How Revolut protects you from fraud and scams

According to UK Finance, over £1 billion was stolen through fraud in the UK in 2024. At Revolut, there's a dedicated Financial Crime team working behind the scenes whose sole focus is keeping customers safe: from the moment you sign up to every transaction you make. Fraud protection is built into the foundations of how we operate.

At a glance: how we protect you

• Every customer goes through identity verification at sign-up, with ongoing monitoring after that
• Real-time automated systems and human review identify unusual activity
• You can freeze your card instantly in-app if something doesn't look right
• Virtual cards, spending limits, and real-time notifications give you direct control
• Report suspected fraud directly in-app, 24/7

What counts as financial fraud or a scam?

Klaudia Dziergwa, Financial Crime Operations Manager at Revolut, spoke about her role in an episode of The Revolut Insider podcast: "It's all the sorts of things people do to cheat the system — money laundering, fraud, bribery. Basically anything that's illegal and involves money."

Some of the most common types of fraud affecting customers are:

• Authorised push payment (APP) scams: you're tricked into transferring money to a fraudster, often posing as your bank or a family member. According to UK Finance, authorised push payment scams alone accounted for £450.7 million in losses in the UK in 2024.
• Unauthorised fraud: your card details or cheques are stolen or lost and used without your knowledge. Or a criminal gains access to your bank account through a remote banking channel
• Identity fraud: someone uses your personal details to open accounts or make transactions
• Phishing: scammers impersonate trusted organisations to steal your login credentials

How Revolut approaches fraud protection

Revolut has a dedicated financial crime team — and Klaudia, as Financial Crime Operations Manager, works in a department that spans KYC operations, compliance, quality assurance, and working with other internal teams to bring automation into KYC processes.

She's clear on what the team is there to do: "We aim to make sure our customers are protected and we deliver our service to the highest quality. Our environment is built on trust and integrity."

That includes the customer-facing side, too. Klaudia is direct about the investment being made: "My team and I are focused on expanding our Customer Support team and investing in training programmes to empower our team members to provide exceptional service." Our support is available 24/7 via in-app chat. So if you're dealing with a suspected scam, you're not waiting until Monday morning.

In practice, that means a combination of technology and human expertise working together. Our AI systems identify high-risk transactions and suspicious spending patterns immediately, detecting more than 95% of attempted scams. For the highest-risk cases, a dedicated fraud prevention team engages directly with customers to review and act.

How does Revolut detect fraud on your account?

Staying ahead of fraud is an ongoing challenge. As Klaudia puts it: "The bad guys are coming up with new tricks, not just targeting Revolut, but all financial companies. So we have to be one step ahead. That means using the latest technology, keeping an eye on suspicious activity, and making sure our defences are rock solid."

Her team's job is to anticipate those tactics before they reach customers, through prevention, protection, and review. KYC verification at sign-up is the starting point, but as Klaudia explains, the work spans "customer onboarding to ongoing monitoring." It doesn't stop once your account is open. Ongoing monitoring means suspicious activity can be detected and reviewed before it becomes a bigger problem.

What should you do if you've been scammed?

Act as quickly as possible. The sooner you report it, the better the chance of limiting any damage.

1. Freeze your card immediately — you can do this in seconds from the Revolut app
2. Check your recent transactions — identify anything you don't recognise
3. Report the issue in-app — go to Chats to reach our support team, available 24/7, and tell us about the transaction

Find out more about how we keep your money safe.

One thing worth noting: Revolut will never contact you by phone or text to ask you to move money, share your PIN, or confirm account details. Learn how to tell if it's really Revolut contacting you.

What tools does Revolut give you to stay safe?

• Freeze and unfreeze your card instantly — disable your card in seconds, and unfreeze it just as quickly when you're ready
• Virtual cards — a separate card number for online purchases keeps your main card details away from merchants
• Real-time notifications — get an alert the moment money leaves your account
• Biometric login — face ID or fingerprint means only you can access your account

Learn more about setting up a virtual card to protect your main card details when shopping online. T&Cs apply.

How to check your security settings in the Revolut app

1. Tap your profile icon in the top-left corner → Security to review your login method and enable biometric authentication
2. Go to the cards icon → select your card to freeze it, set spending limits, or create a virtual card
3. Tap your profile icon → Account → Notifications to make sure real-time transaction alerts are on
4. If you notice anything unusual, tap your profile icon → Chats to reach our support team or report a transaction

If you don’t have a Revolut account yet, sign up for Revolut and get access to these security tools from day one.