Terms & Policies

Pre-contractual Information Instant Access Savings Account

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Deposit Information Sheet


This document was changed on 15 October 2026 and will take effect on 15 October 2026. Please click here to see the previous terms.


This document contains a summary of the most important features of the Instant Access Savings demand deposit product.

Product data


Product

Instant Access Savings

Bank

Revolut Bank UAB, acting via its branch in the Netherlands (our “Netherlands Branch”)

Establishment number 000053153170

Address: Barbara Strozzilaan 201, 1083HN Amsterdam, the Netherlands.

Revolut bank UAB Address: Konstitucijos ave 21B, LT-08130, Vilnius, Lithuania Company No: 304580906

Product type

Demand deposit

Currency

EUR

Other currencies may also be available

Term

Indefinite. The Instant Access Savings can be closed at any time.

Deposit amount

No minimum amount established.

The total amount of money you can add to your personal Instant Access Savings (and cumulatively across all your savings with Revolut, in the same currency) is limited to EUR 5,000, 000 (or currency equivalent).

Different balance limits also apply to Kids & Teens Instant Access Savings as detailed in the terms.

When you are adding money to your Instant Access Savings, the funds in your Instant Access Savings are protected in the following way:

  • If held directly in Revolut Bank UAB, then through the Lithuanian Public Institution “Deposit and Investment Insurance” (VĮ "Indėlių ir investicijų draudimas"), the maximum warrantied amount is EUR 100,000 for a single depositor for all his/her deposits held with Revolut Bank UAB. More information can be found in the Deposit Insurance Information | Revolut Netherlands document; and
  • If held in Deutsche Bank through our Trust Account, then according to clause 7 of the Instant Access Savings Terms, through the Entschädigungseinrichtung deutscher Banken GmbH, the maximum warrantied amount is EUR 100,000 for a single depositor for all his/her deposits held with Deutsche Bank. More information can be found in the Deutsche Bank - Depositor Information Sheet.

Deposits in excess of €100,000 are not covered or protected by the relevant Deposit Insurance Scheme.

Deposit start date

The date when the money is received in the Instant Access Savings . This happens immediately after you deposit funds from your current account to the Instant Access Savings .

While we aim to process these requests immediately, there may be exceptional occasions where deposits are delayed due to operational reasons. If a delay occurs, we will provide updates through the Revolut app.

To what Company Deposit and Investment Insurance are we adhered?

Depending on where your funds are deposited:

  • If directly in Revolut, to Lithuanian Public Institution “Deposit and Investment Insurance” (VšĮ "Indėlių ir investicijų draudimas") . The maximum warrantied amount is EUR 100,000 for a single depositor for all his/her deposits held with Revolut Bank UAB.

Contact information:

Public Institution "Deposit and Investment Insurance"

Address: Savanorių av. 5, LT-03116, Vilnius

Telephone: +370 5 213 5657

Fax: +370 5 213 5546

Email: idf@idf.lt

More detailed information: www.iidraudimas.lt

  • If in Deutsche Bank through our Trust Account according to clause 7 of the Instant Access Savings Terms, to Entschädigungseinrichtung deutscher Banken GmbH. The maximum warrantied amount is EUR 100,000 for a single depositor for all his/her deposits held with Deutsche Bank.

Contact information: Entschädigungseinrichtung deutscher Banken GmbH

Address: Burgstraße 28, 10178 Berlin

Telephone: +49 (0)30 59 00 11 960

Email: info@edb-banken.de

More detailed information: www.edb-banken.de


For Kids and Teens Instant Access Savings and Joint Instant Access Savings only the Lithuanian Public Institution “Deposit and Investment Insurance” (VĮ "Indėlių ir investicijų draudimas") applies.

Risks

Risk in the event of insolvency of the bank

Depending on where your funds are deposited:

  1. If directly in Revolut, to Lithuanian Public Institution “Deposit and Investment Insurance” (VĮ "Indėlių ir investicijų draudimas"). The maximum warrantied amount is EUR 100,000 for a single depositor for all his/her deposits held with Revolut Bank UAB. More information can be found in the Deposit Insurance Information document.
  2. If in Deutsche Bank through our Trust Account according to clause 7 of the Instant Access Savings Terms, to Entschädigungseinrichtung deutscher Banken GmbH. The maximum warrantied amount is EUR 100,000 for a single depositor for all his/her deposits held with Deutsche Bank. More information can be found in the Deutsche Bank - Depositor Information Sheet.

    For Kids and Teens Instant Access Savings and Joint Instant Access Savings only the Lithuanian Public Institution “Deposit and Investment Insurance” (VĮ "Indėlių ir investicijų draudimas") applies.

    Interest

    Interest type

    Variable

    Interest rate, for EUR savings












    Kids & Teens Instant Access Savings












    Joint Account Instant Access Savings


    Standard:

    • 2.50% p.a (per annum) up to EUR 2,500
    • 1.25% p.a. (per annum) for excess amounts over EUR 2,500

    Plus:

    • 2.50% p.a (per annum) up to EUR 2,500
    • 1.25% p.a. (per annum) for excess amounts over EUR 2,500

    Premium:

    • 2.50% p.a (per annum) up to EUR 5.000
    • 1.50% p.a. (per annum) for excess amounts over EUR 5.000

    Metal: 2.50% p.a. (per annum)

    Ultra:

    • 2.75% p.a. (per annum) up to EUR 100.000
    • 2.50% p.a. (per annum) for excess amounts over EUR 100.000


    The plan rate of the account holder with the lowest plan will be applied. If the applicable plan has more than one rate, the second (lower) rate applies


    If you are enrolled in the Student Benefits Promotion and your eligibility has been verified, a gross interest rate boost of 0.25 percentage points per annum (p.p.p.a) will be applied on top of the rate applicable to your Plan.

    The boost applies only to our Instant Access Savings products, across all Plans, rates and currencies in which they are offered in your Market, excluding Revolut Kids & Teens Instant Access Savings and Joint Instant Access Savings (the Eligible Products).

    The interest rate boost applies up to a limited maximum amount of 10 000 EUR from your balance in the Eligible Products.

    The boost applies for as long as you remain eligible for the Student Benefits Promotion and the promotion runs, subject to Student Benefit Terms and Conditions.

    Interest rate, for USD savings

    Standard: 1,50% p.a. (per annum)

    Plus: 1.50% p.a. (per annum)

    Premium: 1.65% p.a. (per annum)

    Metal: 1.90% p.a. (per annum)

    Ultra: 2.15% p.a. (per annum)


    If you are enrolled in the Student Benefits Promotion and your eligibility has been verified, a gross interest rate boost of 0.25 percentage points per annum (p.p.p.a) will be applied on top of the rate applicable to your Plan.

    The boost applies only to our Instant Access Savings products, across all Plans, rates and currencies in which they are offered in the Market, excluding Revolut Kids & Teens Instant Access Savings and Joint Instant Access Savings (the Eligible Products)

    The interest rate boost applies up to a limited maximum amount of 10 000 USD from your balance in the Eligible Products.

    The boost applies for as long as you remain eligible for the Student Benefits Promotion and the Promotion runs, subject to Student Benefit Terms and Conditions.

    Interest calculation and payment

    The interest is calculated based on the actual number of days in a year, and the actual number of days in a month.

    The interest is calculated daily on the balance of the Instant Access Savings and paid daily to this account.

    The interest will begin accruing on the same calendar day after you deposit funds from your current account to your Instant Access Savings.

    If you have an Ultra Plan and your personal Instant Access Savings balance exceeds EUR 100,000, two different interest rates will apply as follows:

    1. Rate 1 - Instant Access Savings balance up to and including EUR 100,000; and
    2. Rate 2 - Instant Access Savings balance in excess of EUR 100,000 and up to EUR 5,000,000.

    This applies to the combined balance across all of your individual Instant Access Savings in Euros.

    If two different interest rates apply to your Instant Access Savings, this will be displayed to you in App as one interest rate calculated as a weighted average between Rate 1 and Rate 2, based on your total savings.

    Deposits in excess of €100,000 are not covered or protected by the relevant Deposit Insurance Scheme.

    You’ll earn interest on your balance in the Instant Access Savings until the calendar day prior to you withdrawing the funds from the Instant Access Savings.

    Interest rate change

    Revolut has the right to change the interest rate. If the rate is decreased, then we’ll let you know at least 15 calendar days before the change is made.

    If the rate is increased, Revolut can make the change immediately. We may notify you about it prior or after the change.

    Costs

    Total costs

    You can open the Instant Access Savings and deposit funds free of charge.

    Availability

    During the term

    You can deposit and withdraw funds from the Instant Access Savings at any time from within the Revolut app.

    While we aim to process these requests immediately, there may be exceptional occasions where withdrawals are delayed due to operational reasons. If a delay occurs, we will provide updates through the Revolut app.

    Taxation

    Tax

    Revolut Bank does not charge any tax that applies to you for and in relation to Revolut Bank services under this agreement.

    You have sole responsibility for the management of your tax and legal obligations.

    Under Dutch tax regulations, Revolut is required to keep records of, and report to the Dutch authorities, information pertaining to the Instant Access Savings . Under these reporting obligations

    (“RENSAGEG reporting”), Revolut are obligated to provide certain details such as the interest payments made to the account.

    Further information regarding general conditions of this product can be found in the Instant Access Savings Terms.

    Other deposit requirements

    Rejection of deposit

    Revolut reserves the right to reject deposits without giving any reasons.

    Further information regarding general conditions of this product can be found in the Instant Access Savings Terms.