Code of conduct

We’re on a mission to reinvent the way the world does money. To make it easier, more useful and more rewarding for everyone. We all have a part to play in building the world’s first financial super app. This Code of Conduct is designed to make sure we win the right way.

Message from Nik Storonsky, CEO

We believe that brilliant people, working together in an honest, high-achieving culture, are the key to delivering the amazing products and services our customers love. And we know that our behaviour towards one another is critical to that success. Our Code of Conduct sets out the principles that must guide the ways we behave and the decisions we make. Yes, it’s a little formal, but it has to be to ensure that we all act with integrity and in the best interests of our customers, people, communities and stakeholders, at all times.

Vision, values and conduct

Our vision is to build the world’s first financial super app and to do this we need to assemble and retain a brilliant Dream Team, who are happy and fulfilled at work. Our culture is true to our values; where everyone is accountable for their actions, are encouraged to speak up, strive for excellence and always do the right thing.

We expect all our people to uphold the conduct rules set by our regulators:

  • Act with integrity
  • Act to deliver good consumer outcomes
  • Act with due skill, care and diligence
  • Be open and co-operative with regulators
  • Observe proper standards of market conduct

Our approach to conduct

Our reputation is founded on the trust and integrity of our people and the people we do business with. At Revolut, we expect all our people to uphold the highest ethical and legal standards, as defined in our global and local policies and procedures. We uphold our reputation by doing the right thing.

Key guidance for Revolut employees

  • Policies and procedures
  • Training material
  • Employee handbook
  • Speak Up portal
  • Your line manager
  • Risk and Compliance service desk
  • Legal service desk

Our customers

Our customers always come first. We put customers at the heart of our business and deliver with good outcomes. Every product and service we consider, design and build starts with their needs, not ours. Because when we truly understand our customers, we deliver outstanding products that work harder for them and their money.

What good looks like:

  • We always put consumers at the heart of what we do
  • We design our products to be easy to use and meet consumers' needs
  • We stay connected with our customers by keeping them informed about new products and services, relevant updates or changes in policies
  • We provide our customers with fair value
  • We provide useful information to consumers that meets their needs and is clear, fair and not misleading, fostering a positive customer experience
  • We provide our customers with support that enables them to utilise the benefits of our products
  • We ensure our customers do not face unreasonable barriers whilst using our products
  • We are responsive and we aim to resolve our customers' complaints and queries promptly and fairly
  • We respect and safeguard customers' personal data and privacy rights
  • We avoid any conflicts between our personal interests and those of Revolut and its customers

Our people

Our ‘Dream Team’ philosophy is simple: Attract, hire and retain the best people, and create the conditions to allow them to do brilliant things for our customers.

What good looks like:

  • We act with integrity and obey the law
  • We trust our people because we hire the best
  • We treat everyone with courtesy and respect
  • We promote a safe and healthy work environment
  • We support career progression
  • We share our knowledge
  • We encourage people to speak up
  • We take any employment-related complaints seriously

Our communities & stakeholders

We’re committed to making a difference. To ‘leaving the world better than we found it’ - whether by minimising our environmental footprint, promoting fair competition or improving the communities in which we live and work. At Revolut, we recognise that we have an important role in supporting the long-term wellbeing of the communities we serve.

What good looks like:

  • We engage with governments and regulators to help develop policies that protect our customers
  • We promote competition by offering customers more choice, value and services
  • We combat financial crime and fraud
  • We care about the impact of our decisions on society and the environment
  • We give customers the chance to donate to charities easily in-app
  • We’re transparent across our business relationships
  • We understand our supply chains

Risk management

Revolut’s Enterprise Risk Management Framework sets out our approach to identifying, measuring, monitoring, mitigating and reporting risks. It sets out the roles and responsibilities of everyone involved and asks all of us to be accountable for our actions.

What good looks like:

  • We have the skills and knowledge to perform our roles competently
  • We understand the compliance rules and laws that apply to us
  • We drive responsible and sustainable growth
  • We don’t sacrifice quality for speed
  • We make sure all staff complete mandatory training modules

Our approach to decision making

We consider the ethical implications of our decisions and only act if appropriate to do so. Ask yourself these questions. If the answer is yes, the decision to move forward appears appropriate. If the answer is no or not sure, seek help first. Ask for guidance

Ask yourself these questions

  1. 1

    Customer outcome

    Will the customer receive good outcomes based on the decision I've made?

  2. 2

    Honesty and Integrity

    Would I feel proud of my decision if it were reported on the news?

  3. 3

    Compliance with laws, regulations & policies

    Do my actions comply with all regulatory and legal requirements?

  4. 4

    Long-term vision

    Will this decision still seem like a good idea five years from now?

Closing thoughts

Martin Gilbert, Revolut Chairman

Our core values are the heart and soul of everything we do. They guide us in difficult as well as good times and should be the measure against which we judge ourselves as leaders. Managers set the tone from the top and should demonstrate that we live and breathe Revolut’s values. This Code of Conduct is endorsed by Revolut’s Board of Directors and provides the principles of good conduct that we uphold