Swiss Users Beware Metal


Hi, I live in Switzerland and am a Metal subscriber. Now Metal in the App is advertised as having the insurance included but as I wanted to make a claim Barbara from the support told me the T&Cs don’t include residents of Switzerland!! How can this be legal, to be advertised something and then not actually getting what I was promised! I really like revolut and have been loving it so far but this is close to a scam honestly


Nowhere does it say that Switzerland is excluded! @AndreasK


This has been an issue for quite a while now: Swiss residents travel insurance


Oh didn’t know that there already is a thread. Well I’m going to formally complain as this is not ok. Then Revolut should not advertise the insurance in switzerland simple as that. Also in their terms with the metal card it clearly states « we shall provide you with Metal Services.


Enjoy your fight and let us know please :wink:

Found here : Revolut Group Statement of Insurance here if this can help you.


Thank you @Hawkblesker! I have now filed a formal complaint with revolut. Let’s see what happens, they have 8 weeks to reply though. They really need to be careful with this in the US haha otherwise they get a lawsuit after lawsuit.


I actually complained about “Revolut Group Statement of Insurance” claiming that Swiss residents are included in insurance when they introduced Metal.

They told me that Swiss users are not included, and the “Statement of Insurance” claiming otherwise is a “typo”/“mistake”.


Checking the White Horse insurance policy you can see that this insurance is available only to EEA residents. Switzerland is not.

@AndreasK maybe it’s time to correct the sentence inside the Revolut app or to find an insurer who does worldwide coverage.
Otherwise it’s a false statement. Because for now Revolut insurance covers only EEA residents.


The thing is I have never signed with White Horse directly, they are a partner of Revolut, I have signed up for Revolut Metal that is advertised to me, a Swiss Resident, as having the insurance included. So frankly it is not my responsibility to go and check if I am covered by the insurance. There is no asterisks, no comment that the insurance is not available in Switzerland, nothing. To me a clear misleading ad. Like can I then assume that other insurances are also not available to me in Switzerland, like the global medical insurance? Don’t get me wrong, I love Revolut for what they do best, banking and currency exchange etc. but if I am willingly sold something that then in the end is not was it was sold to me as then I simply cannot just sit here and do nothing about it…


I don’t have a legal background, nor is consumer law part of my job, but my (admitted limited) understanding of these matters is that when registering for the account, you will have made an action - sometimes a tick-box for example, or tapping a labelled button - to acknowledge that you have read, understood and accepted the terms and conditions of the services. Therefore I believe that it is your responsibility to check if you are covered.

Having a Premium or Metal account with Revolut doesn’t guarantee eligibility for the travel insurance. From the General Terms of Service :link::


31.1. If you are a Premium and/or Metal; User, you will, if you qualify, benefit from the Overseas Travel Insurance (…)

Having said that, I completely understand your frustration about any restrictions not being more visible. Perhaps this could be included in a summary or FAQ page going forward.


many similar situations have been reported in the past, and not a single time :r: has actually done something to sort it. until someone actually takes their misleading advertising to court it won’t change.


Hi guys!

Merry Christmas to you and your family. We’re working on this as we speak.