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Revolut - Kids & Teens Terms

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This version of terms will apply from 24 June 2025 except where indicated otherwise. Please click here to see the previous terms that apply until 24 June 2025.



1. Why this information is important

This document sets out the terms and conditions for the use of Revolut - Kids & Teen and other important things that you need to know about it. We call this document the Revolut - Kids & Teen Terms.


To set up Revolut - Kids & Teen, you must have a Revolut personal account. These Revolut - Kids & Teen Terms apply on top of our Personal Terms when you choose to use Revolut - Kids & Teen, but our Personal Terms still apply as well. If there is any inconsistency between the Personal Terms and these Revolut - Kids & Teen Terms, these Revolut - Kids & Teen Terms will apply.


If you do choose to use Revolut - Kids & Teen these Revolut - Kids & Teen Terms will form part of the legal agreement between you (the account holder) and us (Revolut Bank UAB). There is no legal agreement between us and any Revolut - Kids & Teen Users ("User") you allow to use your Revolut - Kids & Teen account.

In these Revolut - Kids & Teen Terms:


  • When we say “Lead Parent”, we mean the Revolut personal account holder who originally set up the Revolut - Kids & Teen account.
  • When we say “Co-Parent”, we mean any Revolut personal account holder who the Lead Parent has selected to have certain limited access to the Revolut - Kids & Teen account.
  • When we say 'User’, we mean any person who the Lead Parent has allowed to use the Revolut - Kids & Teen account.


If the Lead Parent does not add a Co-Parent, any terms applying only to Co-Parents do not apply.

Where the same terms apply to both Lead Parents and Co-Parents alike, we just use the term “you”. Where terms apply to Lead Parents and not Co-Parents, or vice versa, we specify who we mean by “you” in these instances.


When we say the “Revolut app” in these Revolut - Kids & Teen Terms, we mean the Revolut app that the Lead Parent uses to access their personal account. When we say the “Revolut - Kids & Teen app”, we mean the app that Revolut - Kids & Teen Users use to access the Lead Parent's Revolut - Kids & Teen account. These are separate apps. You cannot access the Revolut - Kids & Teen app and Users cannot access the Revolut app.


You can ask for a copy of these Revolut - Kids & Teen Terms through the Revolut app at any time.

2. What is Revolut - Kids & Teen?

Revolut - Kids & Teen is designed for parents and guardians who want their children to gain financial skills and to learn how to use and manage money. If you use Revolut - Kids & Teen for something else, you may breach the Revolut - Kids & Teen Terms.


Revolut - Kids & Teen account is a sub-account of the Lead Parent's Revolut personal account that they allow a User to use. As it is a sub-account of the Lead Parent's personal account, the Lead Parent is responsible for everything a User does using it as if they had done it themselves.


The Revolut - Kids & Teen can view any transactions made on their Revolut - Kids & Teen account using the Revolut - Kids & Teen app.


The User may also be issued with cards linked to the account that they can use to spend and withdraw cash(“Revolut - Kids & Teen Cards”). They may be able to add it to Apple Pay or Google Pay as well (subject to Apple Pay or Google Pay’s terms and eligibility requirements).


Users (who meet the minimum age requirements and subject to the Lead Parent’s approval) can also make transfers to other Users (who meet the minimum age requirements) by using the Revolut - Kids & Teen app (“Revolut - Kids & Teen Payments”).


Users cannot make or receive any other kinds of transfers by using the Revolut - Kids & Teen app.


The Lead Parent can send money to (and from) the Revolut - Kids & Teen account, and keep track of how the User is spending that money, using the Revolut app.


The Co-Parent can send money to the Revolut - Kids & Teen account and keep track of how the Users are spending their money. However, the Co-Parent will not be able to withdraw that money once it has been sent to the Revolut - Kids & Teen account. The Lead Parent can withdraw any money that the Co-Parent has sent to the Revolut - Kids & Teen account.


The Lead Parent or the Co-Parent can also control how Revolut - Kids & Teen Users can use their - Kids & Teen Cards.



A Revolut - Kids & Teen account and Revolut - Kids & Teen Cards can be used to spend the money in the Revolut - Kids & Teen account. If your User attempts a transaction using your Revolut - Kids & Teen Card and there are insufficient funds in the Revolut - Kids & Teen account then the transaction will be declined, even if there are sufficient funds in your Revolut Personal account (whether you are the Lead Parent or the Co-Parent).



Revolut - Kids & Teen Payments

In some countries, there is a minimum age for Revolut - Kids & Teen Payments. This means that a User may meet the minimum age for the Revolut - Kids & Teen app but may not be able to use Revolut - Kids & Teen Payments. The minimum age for Revolut - Kids & Teen Payments varies based on your country of residence. Please check our FAQs to get information on the minimum age for Revolut - Kids & Teen Payments in your country.

To make and receive Revolut - Kids & Teen Payments, both Users must meet the minimum age requirements in their respective countries. If the User wishes to make a Revolut - Kids & Teen Payment, the first payment will require the Lead Parent’s approval. By approving the first payment to the other User, the Lead Parent will also be approving all subsequent payments sent by the User to the same User. This means that if the Lead Parent rejects the first Revolut - Kids & Teen Payment to another User, subsequent Revolut - Kids & Teen Payments to the same User will not be allowed (until the Lead Parent has agreed to it).

Users can make or receive Revolut - Kids & Teen Payments only if the currency of the Lead Parent’s personal account for both Users is the same.


This Section applies from 27 March 2025:

Revolut - Kids & Teen payment links

Users can receive money from other Revolut customers and non-Revout customers through a “payment link”. When a Revolut or User receives a request to send money to a User via a payment link, the money is sent via a transfer from their Revolut or Revolut - Kids & Teen account (if eligible to send payments on Revolut - Kids & Teen). If a non-Revolut customer receives a request to send money to an User via payment link, they can do so via card payment.


The payment link feature is only available to the User to receive money if the Lead Parent enables it in the Revolut app (the Lead Parent can also disable it at any time).


The “Send and receive money through a payment link” section of the Personal Terms (as it applies to “receiving” money through a payment link) and the above “Revolut - Kids & Teen Payments” section of these Terms apply when this feature is enabled.


An User can only receive money through a payment link if:

  • the feature is enabled by the Lead Parent in the Revolut app;
  • the User and payer meet any minimum age requirements in their country; and
  • the amount is within the limit on how much money can be received into the Revolut - Kids & Teen account (please see the “Are there any fees or limits on a Revolut - Kids & Teen account?” section in these Terms).


Users cannot use payment links to send money other than responding to a payment link request from another User.


3. Who can use a Revolut - Kids & Teen account?

The Lead Parent can create a Revolut - Kids & Teen Revolut account at any time in the Revolut app. When you do so, you must nominate the User who you are giving access to the account. If we ask, you also must provide us with the information we need to verify the identity of the User. You can only give a person access as User if they are aged between 6 and 17 and you are their guardian or otherwise have legal responsibility for them.


You can create more than one Revolut - Kids & Teen account, up to a maximum of five, depending on your plan. However, each Revolut - Kids & Teen account can only have one User linked to it, and the User you nominate to have access to the account cannot be changed.


As mentioned above, the Lead Parent can also appoint a Co-Parent to have access to the Revolut - Kids & Teen accounts. Each Revolut - Kids & Teen Revolut account can have a maximum of one Co-Parent attached to it. The Lead Parent can remove the Co-Parent at any time and can replace the Co-Parent attached to a particular Revolut - Kids & Teen account up to three times in one year.


If as the Lead Parent you have multiple Revolut - Kids & Teen accounts, you can appoint different Co-Parents to those accounts. A Co-Parent can be attached to a maximum of five Revolut - Kids & Teen accounts (whether in their capacity as a Lead Parent or Co-Parent).


4. Who is the legal owner of a Revolut - Kids & Teen account and Revolut - Kids & Teen Cards?

This section only applies to Lead Parents.

As a Revolut - Kids & Teen account is a sub-account of the Lead Parent’s Revolut personal account, the Lead Parent is the legal owner of it. You, as the Lead Parent, are responsible for everything a User does using your Revolut - Kids & Teen account as if you had done it yourself.


This includes any Revolut - Kids & Teen Card. Each Revolut - Kids & Teen Card issued for your Revolut - Kids & Teen account is issued to you as the Lead Parent and you authorise your User to use it on your behalf. You, as the Lead Parent, are responsible for it and everything a User does using it as if you had done it yourself.


This also includes any Revolut - Kids & Teen Payments. Each Revolut - Kids & Teen Payment initiated by the User is seen as a payment instruction from you, and each payment request made through a payment link from the Revolut - Kids & Teen app is seen as a request from you.


Although we provide you as the Lead Parent with tools to assist you to control your User's use of the Revolut - Kids & Teen account and Revolut - Kids & Teen Cards (like preventing ATM withdrawals or online purchases, by adding or removing money, and enabling payment links), you remain responsible for that use



Only you, as the Lead Parent, and we (Revolut Bank UAB) have rights under these Revolut - Kids & Teen Terms. Users do not. This agreement is personal to you and you cannot transfer any rights or obligations under it to anyone else.

5. What are my responsibilities?

This section only applies to Lead Parents.

As your Revolut - Kids & Teen account’s legal owner, you, as Lead Parent, are responsible for it and all actions taken by your User with it. We do not accept any liability for how or where the Revolut - Kids & Teen Cards are used by your User or for any Revolut - Kids & Teen Payments. You are also responsible for:

  • explaining to your User how to use your Revolut - Kids & Teen account and Revolut - Kids & Teen Cards in line with these Revolut - Kids & Teen Terms (and must do so before they start using these);
  • ensuring that your User's use of your Revolut - Kids & Teen account (for example, the things they buy with it) is acceptable to you;
  • ensuring that you only enable Revolut - Kids & Teen payment links if you are happy for your User to request payments from other Revolut and non-Revolut customers;
  • ensuring that you have agreed to your User’s use of the Revolut - Kids & Teen Payments feature (if applicable) by approving the first and all subsequent transfers to the other User;
  • making sure that the money in the Revolut - Kids & Teen account is sufficient (but not excessive) for your User and in line with the account limits on your Revolut - Kids & Teen account;
  • keeping your Revolut - Kids & Teen Cards and their PINs and details safe, and freezing them and reporting them to us if they are lost or stolen;
  • contacting us to resolve any issues with or ask questions about the account (customer support is not offered in the Revolut - Kids & Teen app).

Remember as Lead Parent, the rules on account, sending money and receiving money and card use set out in the Personal Terms apply to your Revolut - Kids & Teen account as well because it is a sub-account of your Revolut personal account. This means you are also responsible for ensuring that your and your User's use of your Revolut - Kids & Teen account is in line with those Personal Terms. If you have appointed a Co-Parent, you are also responsible for ensuring that their use of the Revolut - Kids & Teen account is in line with the Personal Terms.

6. Who can use a Revolut - Kids & Teen Card and what for?

The Lead Parent must either order one Revolut - Kids & Teen Cards. We may apply limits to the maximum number of each type of Revolut - Kids & Teen Card for each Revolut - Kids & Teen account. These cards must be used by, and only by, the User you have nominated to have access to the account. The Co-Parent cannot order/approve any Revolut - Kids & Teen Cards.

The Revolut - Kids & Teen Card can be used like any other card (on your Revolut personal account) to make purchases online or in person and to make ATM withdrawals. You, whether you are a Lead Parent or Co-Parent, can turn these features on and off from the Revolut app.


The Revolut - Kids & Teen Cards may also be eligible for Apple or Google pay (subject to Apple Pay or Google Pay’s terms and eligibility requirements). This means that your User may be able to use the Revolut - Kids & Teen Cards through their Apple or Android device, as well as just by using the physical or virtual cards. Bear this in mind if you want to take your User's physical card away from them for any reason. We suggest you freeze all Revolut - Kids & Teen Cards in the Revolut app if you want to stop the User from using them.


To make the Revolut - Kids & Teen Cards as safe and secure as possible, we may block merchant types which we think aren't age appropriate for Users. For example, we may block merchants who only sell cigarettes or gambling products. To do this, we rely on the merchant's registered business type (also known as an ‘MCC code’). We may modify our list of blocked MCC codes if we find that legitimate, age-appropriate purchases are consistently being blocked. We cannot ensure that all inappropriate purchases are blocked, for example if a merchant is selling a range of goods or has an inaccurate registered business type. If we block a merchant, you can't turn it back on.


7. Can I use Revolut - Kids & Teen in more than one currency?

The Lead Parent can only open Revolut - Kids & Teen accounts in the base currency of the Lead Parent’s Revolut personal account. This is normally the currency of the country of the address of the Lead Parent’s Revolut personal account. The Lead Parent can only send money to Revolut - Kids & Teen accounts in this currency. The Co-Parent can also only send money to the Revolut - Kids & Teen account in the currency of the Lead Parent’s personal account.


Revolut - Kids & Teen Payments can only be made or received by your User in the currency of the Lead Parent’s personal account and only if the currency of the Lead Parent’s personal account for both Users is the same.


If you or your User uses a Revolut - Kids & Teen Card to make a purchase in a currency other than your base currency (as the Lead Parent), we'll perform a currency conversion in the same way as we would for a transaction on your Revolut personal account.


8. Are there any fees or limits on a Revolut - Kids & Teen account?

It is free to create a Revolut - Kids & Teen account.

The use of your Revolut - Kids & Teen account is subject to the same fees as for your Revolut personal account, other than the following exceptions:

Physical Revolut - Kids & Teen Card

  • If the Lead Parent orders a standard physical Revolut - Kids & Teen card there is no card fee (first and replacement cards), but delivery fees may apply*.
  • If the Lead Parent wants to design and order a customised physical card (“Revolut - Kids & Teen Custom Card”), we’ll tell you what fees apply before you order your card in the Revolut app. A customisation fee for a Revolut - Kids & Teen Custom Card only applies if the Lead Parent is on the Standard plan. There is no customisation fee for a Revolut - Kids & Teen Custom Card (first and replacement cards) if the Lead Parent is on the Plus, Premium, Metal or Ultra Plan. Card delivery fees may apply*. The Revolut - Kids & Teen Custom Card is available subject to stock availability.


* Fees for physical card delivery are the fees that apply to the Lead Parent’s Personal account in line with your plan (see Personal fees). However, if the first physical Revolut - Kids & Teen Card (standard or custom) is ordered within 7 days of the Lead Parent opening their own Revolut Personal account, standard delivery of the physical Revolut - Kids & Teen card is free. Express delivery may still be subject to a fee (we will tell you the fee in the Revolut app).


ATM Withdrawal Fees

  • The value of free ATM withdrawals allowed before a fee applies depends on the Lead Parent’s plan. ATM withdrawals are free on each individual Revolut - Kids & Teen account up to:

- If the Lead Parent is on the Standard plan: 100 EUR per rolling month

- If the Lead Parent is on the Plus or Premium plan: 150 EUR per rolling month

- If the Lead Parent is on the Metal or Ultra plan: 200 EUR per rolling month

  • Withdrawal amounts above these limits are charged a 2% fee on the withdrawal amount


Foreign Exchange Fees

  • The value of foreign exchange allowed before a fee applies depends on the Lead Parent’s plan. References to foreign exchange include all card payments and ATM withdrawals completed in a different currency to your base currency. A 0.5% fee will apply on each individual Revolut - Kids & Teen account for any foreign exchange above:

- If the Lead Parent is on the Standard plan: 500 EUR per rolling month

- If the Lead Parent is on the Plus plan: 1,000 EUR per rolling month

  • If the Lead Parent is on the Premium, Metal, or Ultra plan, no fee is charged for foreign exchange


Usage Limits

The use of your Revolut - Kids & Teen account also has the following limits, which your Revolut Personal account does not. These limits apply to each individual Revolut - Kids & Teen account separately, not across all your Revolut - Kids & Teen accounts if you have more than one:

  • Only 7200 EUR can be received by a Revolut - Kids & Teen account in any one year and only 6000 EUR can be held in it at any one time.
  • Only 120 EUR can be withdrawn at an ATM per day. Also, only 3 ATM withdrawals can be made per day, and 6 per week, in total.


This change applies from 24 June 2025:

  • Only 1200 EUR can be spent by making payments per day (this includes card payments and transfers). Also, a total of 15 card payments can be made per day. This limit applies cumulatively across all Revolut - Kids & Teen Cards.



Any other limits that apply will be shown in the Revolut app.

9. What happens if a Revolut - Kids & Teen account balance is negative?

Just like your Revolut personal account, Revolut - Kids & Teen accounts are not designed to have a negative balance. However, this can happen (for example, because there isn’t sufficient money to cover fees owed to us or because an offline transaction).

Where this happens, we will contact you (if you are the Lead Parent) to remediate the negative balance. If you as Lead Parent do not, we will transfer the amount of the negative balance from your Revolut personal account to your Revolut - Kids & Teen account. If this results in a negative balance on your Revolut personal account, our Personal Terms will apply in the ordinary way.

10. How can a Revolut - Kids & Teen account or Revolut - Kids & Teen Card be closed or cancelled?

The Lead Parent can stop the use of a Revolut - Kids & Teen account at any time by:

  • Freezing or cancelling each Revolut - Kids & Teen Card in the Revolut app.
  • Withdrawing some or all of the money from it back to the Lead Parent's Revolut personal account.


A User may also freeze or cancel Revolut - Kids & Teen Cards.


The Lead Parent can also permanently close a Revolut - Kids & Teen account. This can be done through the Revolut - Kids & Teen settings in the Revolut app or by contacting Customer Support. Upon closure, any remaining money in the Revolut - Kids & Teen account will be returned to the Lead Parent’s Personal account and the relevant Revolut - Kids & Teen Cards will be cancelled. Remember, the rules for account closure in our Personal Terms also apply to your Revolut - Kids & Teen account.


If you are the Co-Parent and the User’s account is closed, any remaining money in the Revolut - Kids & Teen account at the point of closure will be returned to the Lead Parent rather than to you.


What happens when a User turns 18?

When a User turns 18, they can continue to use the Revolut - Kids & Teen account until the earlier of their 19th birthday or the Revolut - Kids & Teen Cards expiring. We won't issue any new cards to a User who is over 18.

Once a User turns 18, they will be eligible to sign up for a Revolut personal account.

They can choose to sign-up to Revolut by downloading the Revolut app or by following the account migration steps set out in the Revolut - Kids & Teen app. If they select the account migration process, they will be able to transfer any remaining balance and pockets from their Revolut - Kids & Teen account to their new Revolut account.


If, for some reason you would prefer for User not to migrate from the Revolut - Kids & Teen account to a Revolut account, the Lead Parent can close the Revolut - Kids & Teen account before the migration process is initiated. Upon closure, any remaining balance in the Revolut - Kids & Teen account will be returned to your personal account (if you are the Lead Parent).


Once the migration process is initiated the User will be able to transfer the remaining funds from the Revolut - Kids & Teen account to their new Revolut account. If you would prefer they do not transfer the Revolut - Kids & Teen account balance to their new Revolut account, the Lead Parent can withdraw the remaining funds from the Revolut - Kids & Teen account to their own Revolut personal account before the User initiates the account migration process.


If, as Lead Parent, you do not close the Revolut - Kids & Teen account or withdraw the remaining funds from the Revolut - Kids & Teen account by the time the User initiates the migration, you will be deemed to have authorised the account migration or any transfer they chose to make.


Once the account migration is completed, we will automatically close the Revolut - Kids & Teen account and cancel the associated Revolut - Kids & Teen Cards.


If the User decides not to migrate the Revolut - Kids & Teen account to the Revolut account, the Revolut - Kids & Teen account will be automatically terminated on the User’s 19th birthday.


What happens if a Parent closes their Revolut personal account?

As a Revolut - Kids & Teen Account is a sub-account of a Lead Parent's personal Revolut account, closing the personal Revolut account of the Lead Parent means the Revolut - Kids & Teen Account will be closed too. If a Co-Parent closes their personal Revolut account, the Revolut - Kids & Teen Account will continue.

11. What happens if I move countries?

If as the Lead Parent you plan to permanently move to another country, please contact us. You may need to provide us with the information we need to determine if we can continue to offer you Revolut - Kids & Teen in that country. If we can't, your Revolut - Kids & Teen account may need to be closed. Please also be aware that different fees may apply to your Revolut - Kids & Teen account in your new country.

12. Personal data

To provide services under this agreement we need to collect information about Users. Under data protection law, we are what is known as the controller of Users’ personal data. For more information about how we use personal data for the Revolut app , please see our Privacy Notice.


We also have a specific Privacy Notice for Users which you, as Lead Parent,you should ask your User to read and, where necessary, help them understand. This Privacy Notice is made available to Lead Parents and Users during the creation of any Revolut - Kids & Teen account. It is also available to Users through the Revolut - Kids & Teen app and the Revolut website (www.revolut.com).


Where allowed by data protection law, we will ask older Users to provide some limited personal data to Revolut. However, Lead Parents will be required to confirm this personal data. For all other Users, Lead Parents will be required to submit necessary personal data to facilitate the setting up, and operation, of a Revolut - Kids & Teen account.


By entering into these Revolut - Kids & Teen Terms you, as Lead Parent, understand that Revolut will gather, process and store your User's personal data to provide requested services to you and them. This doesn't affect any rights and obligations you, your User, or we have under data protection law.


You can direct Revolut to close a Revolut - Kids & Teen account for which you are a Lead Parent. This will not affect the Personal Terms for your Revolut personal account which will remain in place. When you close a Revolut - Kids & Teen account, we will stop using your User’s personal data to provide them with a Revolut - Kids & Teen account. However, we may be required to retain their personal data after Revolut - Kids & Teen account closure under relevant laws and regulations. See Section 10 for more information about how you can close a Revolut - Kids & Teen account.


13. Everything else

Remember, except as expressly modified in these Revolut - Kids & Teen Terms, our Personal Terms apply to your use of the Revolut - Kids & Teen account and Revolut - Kids & Teen Cards. This means that all the rights you and we have under our Personal Terms also apply to your use of the Revolut - Kids & Teen account and Revolut - Kids & Teen Cards. For this reason, you should read these Revolut - Kids & Teen Terms and our Personal Terms together.