https://www.revolut.com/en-US/savings/hys/
The devil is in the details
The Annual Percentage Yield (APY) is a variable rate and may change at any time. APYs are accurate as of 8/20/2025. APYs vary by plan and account type. The rates are as follows: Standard Plan: 4.00% APY for balances in a High Yield Account; 3.25% APY for balances in other Savings Accounts.Premium Plan: 4.50% APY for balances in a High Yield Account; 3.35% APY for balances in other Savings Accounts.Metal Plan: 5.50% APY for balances in a High Yield Account; 3.75% APY for balances in other Savings Accounts.Revolut is not a bank. Revolut is not a bank. Plan fees and cancellation fees apply for Premium and Metal plans. This is a variable rate account and the APY may change without notice. T&Cs apply. No min balance to open; $0.01 min. to earn APY. Only 1 High Yield Account is permitted and is limited to $10,000 USD in user initiated deposits. The max combined balance of all Savings Accounts is $250,000 per user. Savings Account services provided by Cross River Bank, Member FDIC, insured up to $250,000.
只有前$10k有这个高利率 
除非要用到其他服务
感觉没有必要升paid membership