Adding money to your account

Product · June 10, 2024TEAM REVOLUT JAPAN


Once you've signed up, you can start using virtual cards, sending money, and more. To do this, you’ll need to add money to your account. Let’s check out how.

What top-up methods can you use?

We make it easy to add money to your account in a few quick steps. Plus, you can top up however works for you, including:

  • A debit card
  • A credit card
  • A prepaid card
  • An inbound bank transfer (only through domestic transfer)

Money added by debit, credit, or prepaid card can't be transferred to others or withdrawn at an ATM. These funds can only be used for card payments (i.e. shopping).

What is the fee?

Starting 17 May 2023, we added a 1.7% fee (tax included) when topping up by card. However, we changed the fee structure as shown below effective from 11 June 2024:

  • We're removing our top-up fee for domestic Mastercard credit and debit cards.
  • The top-up fee for domestic Mastercard prepaid cards will be lowered from 1.7% to 1.3%.
  • A top-up fee of 1.7% for all international and commercial Mastercard cards will remain.
  • Money added by Visa debit cards (excluding international and commercial cards) will continue to be free of charge.

For more information, please see this blog post.

We'll clearly display any fees in-app when you're topping up by card, so you'll see what you have to pay before you hit go. Make sure you have updated the app to the latest version so the correct fee is displayed.

What are the limits per charge?

Your card top-up limit is 2,000 - 1,000,000 JPY. As for inbound bank transfers, we allow a maximum of 1 million JPY.

You won’t be able to receive transfers over 1 million JPY to your account. You’ll need to reach out to the source bank for a recall (‘Kumimodoshi’)* to get your money back.

*Please see our T&C for information on this recall process.

How can you add money to your account with card transfers?

  1. Go to the app and tap Add money
  2. Enter the amount you want to charge
  3. Tap Add card securely
  4. Enter the card details
  5. Tap Add money securely

How can you add money to your account with bank transfers?  (only from domestic banks)

  1. Open the app
  2. Tap Details
  3. Check your personal Rakuten virtual account details and make a transfer.

You can only receive JPY from a domestic bank, and won’t be able to receive foreign currencies or JPY through international transfers.

How long will it take?

You'll be able to see the money arrive when you transfer from your bank in minutes. ​​(Delays may occur depending on the transferring bank).

Please note:

  • You won’t be able to use these account details for making direct debits (e.g. automatic monthly utility bills)
  • Domestic bank transfer only. Your bank might incur bank transfer fees ー please refer to your bank’s terms and conditions for more information

It’s that simple to start adding money to your account. Check out the app now to get started.

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