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    Common FAQ's

    How can I get a Revolut card?

    As long as you have legal residence in one of the countries mentioned in the section "Where is Revolut available" you can order a RevolutCard directly through the Revolut App. Just go to "Cards” and set one up. As from the 26 June 2017, the first Revolut card that you order will be delivered to the address linked to your Revolut account.

    Delivery times:

    UK: Up to 9 business days. (£5)
    Europe: Up to 9 business days. (€6)
    The United States or Canada: Up to 2 - 4 business days (€30).
    Elsewhere: Up to 3 business days (€30).

    Please do not block your card after ordering it as this may cancel the order.

    Where can I use my Revolut card?

    Our multi-currency card is accepted globally at all Mastercard® or Visa locations and the card automatically converts into the local currency at perfect interbank rates so you don't have to worry about it. This means that even if you hold GBP but spend in Indian Rupee the card will convert from GBP to INR at the time of the transaction. You can use your Revolut card at home or abroad, it will act like a local card everywhere.

    Can I change my mobile number?

    Go to the 'More' section of the app and tap ‘Profile’ and 'Personal details'. You can edit your phone number here.Then, you should log out at the bottom of the 'Profile' page and log back in with your new mobile number to verify it.

    If you cannot access the app as you need a 6-digit verification code message, please attempt to log in with your old mobile number and then select the option 'I haven't Received Code' to speak to our in-app support.

    How can I top up my Revolut account via bank transfer?

    You can make a transfer to Revolut via online/mobile banking or in branch.

    Hit the 'Top Up' button and tap 'Bank transfer'. Next, select the currency you would like to top up your Revolut account in. The rule is that you should top up in the currency that your bank account is held in. For example, if you have a UK bank account make sure you top-up in GBP.

    You will be directed to a page which shows the account details you need to make a transfer to.

    Topping up in GBP:

    If you are making a transfer from a bank account in the UK, select 'Local' to find the details for your own current account - with a unique account number and sort-code. Alternatively, select 'Iban' to find our GBP Iban and SWIFT code. Direct debits are not supported.

    Topping up in EUR:

    If you are making a transfer from a European bank account, please use your personalised IBAN details. Make sure that the funds are sent as a SEPA payment. Any inbound international payments will be rejected by our payment processor and returned with any applicable fees.

    Topping up in USD/ PLN/ CHF/ SEK/ NOK/ DKK/ RON/ AUD/ NZD/ SGD/ HKD/ ILS/ TRY/ AED/ CAD/ HUF/ INR/ JPY/ MAD/ MXN/ QAR/ THB/ ZAR:

    Please ensure the reference/description for your transfer is the 8-digit reference number highlighted in pink on this page with no other text. This will ensure that your funds go straight into your account. If you forget to use this reference, please message the in-app support.

    Our accounts support third party payments, and as with all payments, will be subject to our usual fraud checks. This may mean that the funds will take a bit longer to reach your account, but we are working to bring this time down and to streamline the process.

    Are there any charges?

    Account


    Mobile App
    Free
    Revolut Mastercard or Visa
    Standard Delivery £5 or currency equivalent
    Account management
    Free
    Security Features
    Free
    Replacement RevolutCard
    £6/€8/$10
    Express delivery for RevolutCard
    UK (£12), Europe (€20), Elsewhere (€30) or currency equivalent

    Spare RevolutCard


    Revolut Virtual Mastercard or Visa
    £5 or currency equivalent
    Revolut Mastercard or Visa
    £10 (£5 Spare Card Fee + Standard Delivery £5) or currency equivalent
    Global Express Delivery
    UK (£12), Europe (€20), Elsewhere (€30) or currency equivalent

    Top-up


    Bank Transfer
    Free
    Debit card
    Free
    Credit Card
    1%
    USD debit/credit card
    3%/4%

    Revolut Transactions


    Instant transfers (Revolut to Revolut)
    Free
    Bank transfers
    Free
    ATM withdrawals
    Free up to £200/ €200/ Fr200/ 800zl (or currency equivalent) per month. A 2% fee applies thereafter.
    Currency exchange transactions (Currency exchange and cross-currency card purchases, withdrawals, and bank transfers)
    Live market rate\* with no fees, up to £5,000/ €6,000/ Fr6,000/ 20,000zl (or currency equivalent) per month. A 0.5% fee applies thereafter**

    Please note, if you joined before 16 March 2017 your billing cycle for all charges goes by Calendar month. If you joined after 16 March 2017, you go by Rolling month. If you joined before 16 March 2017 and upgraded your Revolut account from Standard to Premium, you'll also be on a Rolling month cycle.

    What currencies are supported for spending?

    Revolut currently supports spending, and ATM withdrawals in over 120 currencies. The current list of supported currencies include:

    AED, ALL, AMD, AOA, ARS, AUD, AZN, BAM, BBD, BDT, BGN, BHD, BMD, BND, BOB, BRL, BSD, BWP, BYN, BYR, BZD, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, DZD, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GIP, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, IQD, ISK, JMD, JOD, JPY, KES, KGS, KHR, KRW, KWD, KYD, KZT, LAK, LBP, LKR, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SRD, THB, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, VEF, VND, VUV, WST, XAF, XCD, XOF, XPF, ZAR, ZMW.

    More currencies will be added soon.

    Advice before you travel

    Verify your identity

    You will need to verify your identity before you jet off on your travels! You'll need to do before you can top up your Revolut account and order a Revolut card. To verify your account, please navigate to the 'More' tab, select 'Profile' and 'Verification & limits'.

    Topping up before travelling

    Make sure to top up before you leave. You can do this either via bank transfer or using a bank card. Transfers by debit and credit cards occur instantly, however, bank transfers take 1-5 working days depending on their origin – so bear that in mind if you need funds urgently. We would also recommend enabling auto top-up to ensure that you don't need to manually top-up your account whilst abroad.

    Use your own debit and credit card to top up

    To make things easier for you, make sure to use your own debit and credit card when topping up your Revolut account. Doing so will simplify the security verification process on our side and will make sure your money gets to your Revolut account without a hitch. A little trick we suggest is to get your friends/partners/families to create their own Revolut account, top up, and send the money to you via the app! In-app transfers occur instantly – so you’ll have your money in the blink of an eye!

    What type of card is my Revolut card?

    A Mastercard© or Visa Debit.

    What is Revolut and how is it different?

    Revolut is an app-based banking alternative. Revolut brings freedom to your money with our multi-currency card and mobile app. With Revolut you can now send, spend and exchange money instantly with intuitive ease.

    You can set up an account in 30 seconds, enabling you to instantly send free money transfers in 26 currencies to banks around the globe; spend fee-free in 130 currencies with a contactless Revolut card; and exchange currencies at interbank rates in the app.

    Once you've topped up your Revolut account you can use your Revolut Mastercard® or Visa at millions of locations worldwide using the real exchange rate. The card automatically converts into the local currency at the real exchange rate so you don't have to worry about it.

    Getting Started

    What is Revolut and how is it different?

    Revolut is an app-based banking alternative. Revolut brings freedom to your money with our multi-currency card and mobile app. With Revolut you can now send, spend and exchange money instantly with intuitive ease.

    You can set up an account in 30 seconds, enabling you to instantly send free money transfers in 26 currencies to banks around the globe; spend fee-free in 130 currencies with a contactless Revolut card; and exchange currencies at interbank rates in the app.

    Once you've topped up your Revolut account you can use your Revolut Mastercard® or Visa at millions of locations worldwide using the real exchange rate. The card automatically converts into the local currency at the real exchange rate so you don't have to worry about it.

    How can I get the Revolut App?

    As long as you have legal residence in the countries mentioned in the section "Where is Revolut available" you can download our app directly from the Google Play or App Store.

    At the moment our app is available for iPhones (iOS 8), iPads or Android (4.3) supported phones with a minimum screen size of 3.5 inches.

    Unfortunately Android tablets are not currently supported.

    Where is Revolut available?

    Revolut is available to legal residents of the following countries:

    Aland Islands, Austria, Azores, Belgium, Bulgaria, Canary Islands, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Saint Helena, Slovakia, Slovenia, Spain, St. Martin, Sweden, Switzerland and United Kingdom.

    In the future we aim to become available worldwide!

    Is there an age limit?

    You need to be a minimum of 18 years old to open a Revolut account.

    How can I get a Revolut card?

    As long as you have legal residence in one of the countries mentioned in the section "Where is Revolut available" you can order a RevolutCard directly through the Revolut App. Just go to "Card” and set one up. As from the 26 June 2017, the first Revolut card that you order will be delivered to the address linked to your Revolut account.

    Delivery times:

    UK: Up to nine business days. (£5)
    Europe: Up to nine business days. (€6)
    The United States or Canada: Up to two business days (€30).
    Elsewhere: Up to three business days (€30).

    Please do not block your card after ordering it as this may cancel the order.

    Can I get expedited delivery?

    We can arrange for a Revolut card to be posted via Express Delivery.

    • UK (£12)
    • European Economic Area (EEA) countries (€20)
    • Outside EEA (€30)

    To do this, just go the 'Card' section of the app and tap the button 'Physical' under 'Add new Revolut Card'. Choose 'Express Delivery', add your address and the delivery cost will be deducted from your Revolut account. Please make sure you've topped up your Revolut account first.

    Can I open a business account?

    Yes! Revolut for Business is the ultimate low-cost banking alternative designed for your business needs. Available for businesses across Europe, customers can sign up in 5 minutes and instantly hold and receive 25 currencies at interbank rates; send money to banks and businesses around the globe without ridiculous transfer fees; and spend fee-free in 120 currencies with Revolut corporate cards.

    You can sign up and learn more here.

    Advice before you travel

    Verify your identity

    You will need to verify your identity before you jet off on your travels! You'll need to do before you can top up your Revolut account and order a Revolut card. To verify your account, please navigate to the 'More' tab, select 'Profile' and 'Verification & limits'.

    Topping up before travelling

    Make sure to top up before you leave. You can do this either via bank transfer or using a bank card. Transfers by debit and credit cards occur instantly, however, bank transfers take 1-5 working days depending on their origin – so bear that in mind if you need funds urgently. We would also recommend enabling auto top-up to ensure that you don't need to manually top-up your account whilst abroad.

    Use your own debit and credit card to top up

    To make things easier for you, make sure to use your own debit and credit card when topping up your Revolut account. Doing so will simplify the security verification process on our side and will make sure your money gets to your Revolut account without a hitch. A little trick we suggest is to get your friends/partners/families to create their own Revolut account, top up, and send the money to you via the app! In-app transfers occur instantly – so you’ll have your money in the blink of an eye!

    Card

    What currencies are supported for spending?

    Revolut currently supports spending, and ATM withdrawals in over 120 currencies. The current list of supported currencies include:

    AED, ALL, AMD, AOA, ARS, AUD, AZN, BAM, BBD, BDT, BGN, BHD, BMD, BND, BOB, BRL, BSD, BWP, BYN, BYR, BZD, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, DZD, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GIP, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, IQD, ISK, JMD, JOD, JPY, KES, KGS, KHR, KRW, KWD, KYD, KZT, LAK, LBP, LKR, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SRD, THB, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, VEF, VND, VUV, WST, XAF, XCD, XOF, XPF, ZAR, ZMW.

    More currencies will be added soon.

    What if I lose my Revolut card?

    Customers can block and deactivate their pre-paid card instantly via the Revolut app. This can be done in three clicks. Go to "Cards”, press the button “Disable", then “Report lost or stolen”. This will deactivate your card. Then swipe to the right to order a replacement card. We will deliver the new card to you.

    A replacement card will cost £5 or currency equivalent.

    Using a MetroCard Vending Machine in the United States

    If you use your RevolutCard at a MetroCard Vending Machine (MVM) in the United States, you will be asked to enter your 'zip code' for verification. Please type in “99999” when prompted for a zip code. This indicates that an international card is being used and your transaction will be authorised.

    Using a Travelex/Cardtronics ATM

    Please be aware that when you withdraw funds from a Travelex ATM, Travelex will convert your money using their own exchange rate (even if you opt to be charged in the local currency). This is unlikely to be the interbank rate, so we would advise waiting until you find another ATM to withdraw money if possible so you benefit from our exchange rates.

    Where can I get my Revolut card delivered via Express Delivery?

    If you need your card in a hurry, or you misplace your card whilst you're travelling, you can use our Global Express Delivery service to get your card really fast!

    We can send a card via recorded delivery to the following countries in 1-3 working days:

    Albania, Andorra, Anguilla, Antigua and Barbuda, Argentina, Armenia, Aruba, Austria, Azerbaijan, Bahamas, Bahrain, Barbados, Belgium, Belize, Bermuda, Bolivia, Plurinational State of Bonaire, Sint Eustatius and Saba, Botswana, Brazil, Brunei Darussalam, Bulgaria, Canada, Cayman Islands, Chile, China, Colombia, Costa Rica, Croatia, Curaçao, Cyprus, Czech Republic, Denmark, Dominica, Dominican Republic, El Salvador, Eritrea, Estonia, Ethiopia, Fiji, Finland, France, French Guiana, Georgia, Germany, Ghana, Gibraltar, Greece, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Holy See (Vatican City State), Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kenya, Korea, Republic of Kuwait, Kyrgyzstan, Latvia, Liberia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malawi, Malaysia, Maldives, Mali, Malta, Martinique, Mexico, Republic of Monaco, Montserrat, Morocco, Netherlands, New Zealand, Nicaragua, Northern Mariana Islands, Norway, Oman, Palestine, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, Russian Federation, Saint Barthélemy, Saint Kitts and Nevis, Saint Lucia, Saint Martin (French part), Saint Vincent and the Grenadines, San Marino, Saudi Arabia, Serbia, Singapore, Sint Maarten (Dutch part), Slovakia, Slovenia, South Africa, Spain, Sri Lanka, Sweden, Switzerland, Taiwan, Province of China, Thailand, Timor-Leste, Trinidad and Tobago, Turkey, Turks and Caicos Islands, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Vietnam, Virgin Islands, British Virgin Islands, U.S., Zambia.

    For these countries, we estimate up to 4 working days:

    Australia, Bangladesh, Belarus, Botswana, Ecuador, French Polynesia, Gabon, Lesotho, Macao, Mauritius, Federated States of Micronesia, Mozambique, Namibia, Nepal, New Caledonia, Norfolk Island, Palau, Réunion, Samoa, Senegal, Seychelles, Swaziland, United Republic of Tanzania, Timor-Leste.

    For these countries, we estimate up to 7 working days:

    Wallis and Futuna, Uzbekistan, Tonga, Togo, Suriname, Rwanda, Papa New Guinea, Niger, Mongolia, Republic of Moldova, Mauritania, Marshall Islands, Madagascar, Kazakhstan, Greenland, Gambia, Faroe Islands, Djibouti, Cook Islands, Chad, Cabo Verde, Cameroon, Bhutan, Benin, Angola, American Samoa.

    What is a card issuer?

    A card issuer provides Revolut users with their payment instruments (cards) and enables users to give instructions to Revolut to make Revolut card transactions from their linked Revolut wallets.

    When Revolut acts as the card issuer, the card scheme will be Visa or Mastercard. However, when a card is issued by Paysafe Financial Services Limited or Wirecard Card Solutions Limited, it will be Mastercard only.

    Where can I use my Revolut card?

    Our multi-currency card is accepted globally at all Mastercard® or Visa locations and the card automatically converts into the local currency at the perfect interbank rate so you don't have to worry about it. This means that even if you hold GBP but spend in Indian Rupee the card will convert from GBP to INR at the time of the transaction. You can use your Revolut card at home or abroad, it will act like a local card everywhere.

    Are there any charges?

    Account


    Mobile App
    Free
    Revolut Mastercard or Visa
    Standard Delivery £5 or currency equivalent
    Account management
    Free
    Security Features
    Free
    Replacement RevolutCard
    Standard Delivery £5 or currency equivalent
    Express delivery for RevolutCard
    UK (£12), Europe (€20), Elsewhere (€30) or currency equivalent

    Spare RevolutCard


    Revolut Virtual Mastercard or Visa
    £5 or currency equivalent
    Revolut Mastercard or Visa
    £10 (£5 Spare Card Fee + Standard Delivery £5) or currency equivalent
    Global Express Delivery
    UK (£12), Europe (€20), Elsewhere (€30) or currency equivalent

    Top-up


    Bank Transfer
    Free
    Debit card
    Free
    Credit Card
    1%
    USD debit/credit card
    3%/4%

    Revolut Transactions


    Instant transfers (Revolut to Revolut)
    Free
    Bank transfers
    Free
    ATM withdrawals
    Free up to £200/ €200/ Fr200/ 800zl (or currency equivalent) per month. A 2% fee applies thereafter.
    Currency exchange transactions (Currency exchange and cross-currency card purchases, withdrawals, and bank transfers)
    Live market rate\* with no fees, up to £5,000/ €6,000/ Fr6,000/ 20,000zl (or currency equivalent) per month. A 0.5% fee applies thereafter**

    Please note, if you joined before 16 March 2017 your billing cycle for all charges goes by Calendar month. If you joined after 16 March 2017, you go by Rolling month. If you joined before 16 March 2017 and upgraded your Revolut account from Standard to Premium, you'll also be on a Rolling month cycle.

    ATM withdrawals

    Sometimes when you use an ATM, you will be asked to choose between a 'credit', 'checking' or 'savings' account. You should always choose either a 'checking' or 'savings' account.

    If the ATM (or card terminal) asks whether you would like to complete the transaction 'with conversion' or 'without conversion', you should ALWAYS choose 'without conversion'.

    As a rule of thumb, you should always opt to be charged in the local currency of the country you’re in! If you’re in Thailand choose Thai Baht, in Spain, Euros or in the United States, Dollars.

    If you choose 'with conversion', the merchant or ATM provider can apply their own exchange rate. This rate usually has a mark-up on the interbank rate, enabling the ATM provider or merchant to make a profit on your transaction.

    What type of card is my Revolut card?

    A Mastercard© or Visa Debit.

    Can I have more than one card for my Revolut account?

    You can have up to two physical RevolutCards per account, meaning a backup in case of emergencies. The cards can be used in unison, or you can disable the extra card RevolutCard in the App and tap 'Enable Card' as and when you need it.

    If you’ve ever lost your bank card, you’ll know how annoying it is to sift through your accounts for online purchases and update your card details. With Revolut, you can also generate an impossible-to-lose virtual card for all of your online payments (Uber, Deliveroo etc.). You can have up to 5 virtual RevolutCards.

    To order a spare RevolutCard, head to the 'Card' section in the App and swipe left on your virtual RevolutCard. You can also give your cards a 'tag' to help you remember what they're for. Please note, the tag will not be printed on your physical RevolutCard.

    If you ordered a spare Revolut card in the app, it will already be linked and ready to use.

    If you have received a physical card given to you by a member of our team, go to the 'Cards' section of the app and choose the option 'Link existing Revolut card. Enter the 16-digit number on the front of your new card or scan your card details by tapping the 'Camera' icon.

    This card should then appear in the ‘Card’ section of the app. If not, log out via the 'Profile' section and log back in. Please remember, the PIN for your card will change.

    If you need to re-link your original Revolut card, please contact the in-app support as it is not possible to do this in the app.

    Where can I find my Revolut card PIN?

    Once your card has been delivered go to the 'Card' section in the Revolut App and tap 'Show my PIN'. Please note, your passcode is NOT your PIN.

    What should I do if I entered the wrong PIN for my Revolut card?

    If you enter the wrong PIN for your Revolut card three times, your PIN will block as a security measure. To reactivate your Revolut card PIN, please contact us via the in-app support so we can reset it for you. Once we have reset your PIN, you just need to reactivate it in a modern chip-enabled ATM by withdrawing a small amount of money.

    To locate a chip-enabled ATM, please use the Mastercard or Visa ATM locator. Just add some information about your location, make sure the terminal has its 'Chip Reader Enabled' and search for an ATM.

    Profile

    How can I edit my profile details?

    Go to the 'More' section of our app, tap 'Profile' and then 'Personal details'. Here you can change your name, address, phone number, email and passcode for the app. Just click on the relevant field and enter the new information.

    If you edit your phone number, you'll need to tap 'log out' at the bottom of the 'Profile' page and log in with your new mobile number to verify it.

    Please note, once you have verified your identity you won't be able to change your personal details in the app.If you need to make any changes just message us on the in-app support. You will need to verify these changes - for example with a marriage certificate.

    Can I change my mobile number?

    Go to the 'More' section of our app, tap 'Profile' and then 'Personal details'. You can edit your mobile number here. Then, you should log out via the bottom of the 'Profile' page and log back in with your new number to verify it.

    If you cannot access the app as you need a 6-digit verification code message, please attempt to log in with your old mobile number and then select the option 'I haven't Received Code' to speak to our in-app support.

    Note : Once your account has been verified, changes can not been done from the app.

    How do I verify my identity?

    Some UK users won't need to verify their identity, as we'll do it electronically behind the scenes. UK users should try and top-up their Revolut account with a debit card first. If we can't verify your identity electronically, you will be prompted to do the following:

    Go to the 'More' section of our app, tap 'Profile' and then 'Verification & limits'. You will be need to take a photo of a valid government issued photo ID and a photo of your face. We may request a copy of your legal right to remain (e.g. visa, residence permit) if you provide a passport issued in a country outside of the European Union.

    Some tips to ensure the ID verification goes smoothly: - Make sure to take a clear photo of your ID, where all details are visible - The photos should be taken somewhere brightly lit - Turn flash off to reduce glare on your ID documents - Make sure the details on your Revolut profile match the details on your legal document - Make sure that your legal document has at least 3 month validity left on it

    Your identity will be verified automatically by our software within 15 minutes. If you are having difficulty or have any questions, please contact us via the in-app support.

    If your passport was issued in a country outside of the European Union, you will also need to provide evidence of your right to remain via the in-app support. This can be a visa, a European passport or a residence permit. Please contact the in-app support for further details.

    Why do I need to verify my identity?

    You need to verify your identity in order to top up and use your Revolut account. This policy is in line with a UK banking regulation called 'Know your Customer’ (KYC) and is the process of a business verifying the identity of its clients. It is simply an anti-corruption and fraud measure.

    Until you have completed this step, you are not bound by Revolut’s General Terms of Service. Any card top ups or bank transfers you send into your Revolut account before verifying your identity will be made at your own risk and are subject to applicable fees. For help with this step, please refer to the question above.

    How can I verify my debit card?

    Verifying your top up card lets us know that the debit card used to add money to your Revolut account is your own. We advice all of customers to do this on the app to help ensure your Revolut experience is as frictionless as possible.

    To verify your top up card, just check your online banking and find a top up to Revolut which looks like Revolut1234. Next, go to the ‘Top up’ section on the app, tap the ‘info’ button beneath the photo of your debit card and enter the code here. That’s it!

    What happens if I lose my phone?

    Your Revolut card will still function the same without your smartphone. You can make ATM withdrawals and card payments, but you will not be able to check your balance or receive notifications on the go. You can top up your Revolut card via transfer - just make sure you know your reference number. Alternatively, contact the in-app support so we can change the mobile number on the account for you. Download the app on a new device, attempt to log in with your mobile number and then choose the option 'I haven't received a code' to chat to support.

    How can I close my Revolut account?

    We don’t advise closing your Revolut account as it can take a bit of time to set up a new account with the same mobile number. Revolut doesn’t charge you to keep an account open that is not in use.

    However, if you would like to close your account you will first need to withdraw all of the funds in the account. Then contact us via the in-app support so we can delete it for you. You will need to answer some security questions first.

    Forgotten your password to access the app?

    No problem, it's really easy to reset. On the main page where you enter your 4-digit code to get into the app select ‘Forgot?’. Enter your mobile number, then select 'Reset Password'. You will be asked to enter your last top-up amount to Revolut accurate to the cent/pence (e.g. £200.00/€200.00), or the last 4 digits of a top up card that you’ve added to the account. If you can’t remember just check your bank statement. Then you should be able to change your 4-digit passcode.

    Top up

    What currency should I top up my account in?

    The rule is that you should top up in the currency that your bank account is held in. For example, if you have a UK bank account make sure you top up in GBP. If you don't your bank will convert the money for you and charge a huge fee!

    We currently support top-ups in 26 currencies - EUR, USD, GBP, PLN, CHF, SEK, NOK, DKK, RON, AUD, NZD, SGD, HKD, ILS, TRY, AED, CAD, HUF, INR, JPY, MAD, MXN, QAR, THB and ZAR. Once you have loaded your account, you can exchange between the currencies in the app; send free money transfers in 26 currencies to banks around the globe; or spend in 120 currencies with a Revolut card.

    We'll take care of the conversion for you when you use your Revolut card abroad. For example in you're in Thailand, we'll convert your GBP balance to THB automatically when you spend with your card.

    Please note, if you are topping up via a bank transfer outside of the EU your bank may charge you a large international wire transfer fee as such transfer would go via SWIFT.

    Can a friend make a transfer to my Revolut account?

    Yes, you can receive third party transfers from friends and family directly into your Revolut account in any of these supported currencies:

    GBP, EUR, USD, CAD, AUD, CHF, DKK, HKD, HUF, ILS, INR, NOK, NZD, PLN, SEK, SGD, TRY, ZAR.

    Your friends can also open their own Revolut account and then top it up via debit or credit card. They can then transfer funds to you for free and instantly via the 'Send' function.

    Will I be charged to top up my Revolut account via bank transfer?

    Revolut does not charge a fee to top up your account via bank transfer. However, it is important to watch out for third-party fees:

    Topping up from a UK bank in GBP is free. *If your transfer is in EUR or CHF and *your bank is using SEPA (Single Euro Payments Area) then a transfer to Revolut will cost the same as a domestic transfer. SEPA includes the 28 E.U. member states as well as Switzerland, Norway, Iceland, Liechtenstein, Monaco and San Marino. *If your transfer is in PLN, USD or any other currency then it will likely be sent via SWIFT. This means that your bank (and/or an intermediary bank) could charge you an international transfer fee.

    With SWIFT transfers there are a few things to bear in mind:

    1. Your bank is likely to charge a fee to make a SWIFT transfer to Revolut.
    2. When your money is in transit, it may be processed by an intermediary bank. They may also deduct a handling fee.
    3. The amount you receive in your Revolut account therefore may be less money than you sent.
    4. Depending on which fee option (SHA, BEN, OUR, REM) you choose while doing a SWIFT transfer to Revolut, intermediary, originating bank and beneficiary bank (namely Lloyds) can apply a handling fee for that transfer.
    5. As banks charge different amounts and are not always transparent, we cannot provide an accurate amount you would be charged.

    If your top up is in a currency other than EUR, USD, GBP, PLN, CHF, SEK, NOK, DKK, RON, AUD, NZD, SGD, HKD, ILS, TRY, AED, CAD, HUF, INR, JPY, MAD, MXN, QAR, THB or ZAR your bank will convert the money using their exchange rate. This is unlikely to be the interbank rate, and you may also incur a currency-conversion fee.

    How long will my top up via bank transfer take to reach my Revolut account?

    This varies from bank-to-bank and by country.

    1. From a UK account this usually takes 4hrs, and can take up to 1 working day. BACS payments take 3 working days.
    2. International transfers (from Poland, Switzerland and elsewhere) usually take 1-3 working days.
    3. Transfers from Greece typically take up to 4 working days.

    If you are topping up your account with USD, PLN, CHF, SEK, NOK, DKK, RON, AUD, NZD, SGD, HKD, ILS, TRY, AED, CAD, HUF, INR, JPY, MAD, MXN, QAR, THB or ZAR please ensure you use your 8-digit customer reference number as the reference/description for your transfer, or we will have to manually allocate your top up. This will delay the top-up reaching you account.

    How can I top-up by Apple Pay?

    Tap ‘Top Up’ and then select ‘Top up by Apple Pay’. If you haven’t got Apple Pay set up on your device already you'll be prompted to set it up. If you do, you can just choose a card and you’re good to go!

    If you have an Apple Watch you can also top-up your account on the go. Open the Revolut App, scroll to the bottom of the balances screen and hit the ‘( )’ button. Select the amount and then double click the side button quickly to confirm the top-up.

    Please note, American Express isn't supported as a top-up card.

    Do you accept cash deposits?

    Unfortunately we don't accept cash deposits to top-up your Revolut account. They will be returned to the sender with a processing fee deducted.

    Are there any limits to topping up my account?

    Annual limits

    All Revolut users will need to complete our automated ID check in order to top-up their Revolut account. For some UK users, this will happen automatically the first time you top-up your account with a debit card. Other users will be prompted to complete our manual ID check in order to top-up.

    To complete this check, go to the 'More' section of the app, tap ‘Profile’ and then 'Verification & limits'. You will need to submit a photo of your goverment issued photo ID and a live photo of yourself. It takes under two minutes, no matter where you are.

    Once you’ve passed your ID check, your top-up limits will be increased to a much higher annual threshold. You can check this limit in the Profile section under ‘Verification & Limits’. You can increase your annual threshold even further by submitting some additional information. It’s pretty simple: just follow the steps in the ‘Verification & Limits’ page in our app.

    Daily limits

    For newly added cards, most of our users will have a top-up limit between £1000-£3000 (or currency equivalent) per 24 hours. Some users may find they have a lower daily limit to begin with, however, your daily top-up limits will increase over time. We suggest:

    Try and top-up your desired amount. If the amount is over your top-up allowance, you will receive a pop up message notifying you of the daily limit for that card and how much you can top-up today. If you wish to top-up more than your daily limit, you can use another debit or credit card, alternatively top-up via bank transfer. Unfortunately for security reasons we cannot provide the specific details around how your top-up limits are calculated.

    Transfer limits

    If you're making a transfer in GBP in or out of your Revolut account there are daily and weekly limits. The daily limit is £75,000 combined, meaning that you cannot transfer more than £75,000 in or out of the account per 24 hours. The weekly limit is £125,000 combined. If you attempt to make a transfer larger than this amount, it will be automatically rejected by our payment processor.

    How can I increase my annual top up limits?

    To increase your annual top up limits, you’ll need to provide official documents showing the transaction(s) that generated the funds used to top up your Revolut account. In addition, please also provide a copy of a bank statement showing the funds entering/leaving a personal bank account in your name. This does not affect your daily top up limits, as these are system generated.

    Source of funds: Salary

    If your top up was generated from your salary, you’ll need to send us copies of your pay slips (or P60/tax receipts) for three months. We’ll also need to see a bank statement showing the salary being paid into the bank account you topped up your Revolut account from.

    Source of funds: Savings

    If you added money from a savings account, please send copies of your bank statement for that account which should show the top up to your Revolut account.

    Source of funds: Sale of Property

    If you’ve sold a property and used the proceeds to top up your Revolut account, you'll need to send us a copy of the sale contract for the property; a bank statement showing the proceeds of the sale being credited to your bank account; and a statement showing the funds being transferred to your Revolut account.

    How can I top up my Revolut account by card?

    You can top-up your Revolut account instantly with a debit or credit card (Mastercard or Visa) on the app. Credit card top-ups will be recognised as a normal card transaction, not a cash advance. Unfortunately some Maestro, pre-paid debit cards and American Express are not supported.

    Open the Revolut App and tap 'Top Up'. Add your card details including the 16-digit card number, expiry date and CVV code. Make sure you add the correct billing address for your card. If the address doesn’t match, your top-up will fail our security check and it can take up to 5 working days for the money to return to your available balance in your bank account. Next, enter the amount you would like to top-up, and select the tick in the right corner which should take you to your bank's security page. After that - your top-up will appear instantly in your wallet!

    We advise using your own card to top-up your Revolut account. If someone else would like to add money to your Revolut account, they can download the Revolut app and use the 'Send' function to transfer money to your account instantly. Find out how to send money via Revolut here.

    How can I enable auto top-up?

    We’ve added the option to automatically top-up your Revolut account when your balance is running low, so you don’t ever have to worry about it. We'd recommend using this feature if you're travelling.

    Go to ‘Top Up’ in the App, tap ‘Top up by Card’ and choose ‘Auto top-up’ from the drop-down at the top of the page. Next, you’ll need to choose your conditions for auto top-up. You can automatically top-up your account with £100, £200 or £500 when your Revolut balance falls below either £50, £100 or £200.

    The daily auto top-up limit is £500; if you need to add more money to your account you can top-up manually by card in the App. New Revolut users won’t be able to enable auto top-up straight away. We’ll complete regular checks of your risk profile, and let you know with a pop-up in the App when you can use this feature.

    What card can I use to top up?

    You can top-up your Revolut account with a debit or credit card. We currently support Mastercard or Visa Credit cards to top-up. Please note, credit card top-ups will be recognised as a normal card transaction, not a cash advance.

    Unfortunately, some Maestro, pre-paid debit cards and American Express are not supported.

    Will I be charged to top up by card?

    Topping up in GBP, EUR, PLN, DKK, SEK, NOK, RON and CHF with a debit card is completely free.

    Supporting credit cards and top-ups in USD is expensive for us. We’re working to bring these costs down, but until then we have to charge:

    • 1% per top-up with a credit card
    • 3% per USD top-up with a debit card
    • 4% (1% plus 3%) per USD top-up with a credit card.

    In these cases, it might be cheaper for you to top up via bank transfer.

    It’s still significantly cheaper to use your Revolut card abroad than a typical UK credit card.

    How can I top up my Revolut account via bank transfer?

    You can make a transfer to Revolut via online/mobile banking or in branch.

    Hit the 'Top Up' button and tap 'Bank transfer'. Next, select the currency you would like to top up your Revolut account in. The rule is that you should top up in the currency that your bank account is held in. For example, if you have a UK bank account make sure you top-up in GBP.

    You will be directed to a page which shows the account details you need to make a transfer to.

    Topping up in GBP:

    If you are making a transfer from a bank account in the UK, select 'Local' to find the details for your own current account - with a unique account number and sort-code. Alternatively, select 'Iban' to find our GBP Iban and SWIFT code. Direct debits are not supported.

    Topping up in EUR:

    If you are making a transfer from a European bank account, please use your personalised IBAN details. Make sure that the funds are sent as a SEPA payment and not via SWIFT. Any SWIFT transfers will be rejected by our payment processor and returned with any applicable fees.

    Topping up in USD/ PLN/ CHF/ SEK/ NOK/ DKK/ RON/ AUD/ NZD/ SGD/ HKD/ ILS/ TRY/ AED/ CAD/ HUF/ INR/ JPY/ MAD/ MXN/ QAR/ THB/ ZAR:

    Please ensure the reference/description for your transfer is the 8-digit reference number highlighted in pink on this page with no other text. This will ensure that your funds go straight into your account. If you forget to use this reference, please message the in-app support.

    Our accounts support third party payments, and as with all payments, will be subject to our usual fraud checks. This may mean that the funds will take a bit longer to reach your account, but we are working to bring this time down and to streamline the process.

    Exchange

    What exchange rate will I get?

    Our rates mirror the Spot Interbank exchange rate. The interbank market is the top-level foreign exchange market where banks exchange different currencies. It is a wholesale market through which most currency transactions are channeled and, as such, offers the best possible exchange rate available. This spot interbank exchange rate typically beats that of banks and other consumer foreign exchange services by 3-5%.

    For a few illiquid currencies, we provide the best rate we possibly can. For THB and RUB, we apply a small 1.5% markup on the exchange rate. For UAH we apply a 1% markup.

    At the weekend (Friday 23:59 - Sunday 23:59) we apply a small mark up on the spot rate as the Forex markets are closed. We take the rate from Friday 23:59 and apply a 0.5% mark up on major currencies and 1.0% on other currencies to protect the company from potential losses due to a large fluctuation in the rate. For illiquid currencies like Russian Ruble and Thai Baht, there is 1.5% mark up on weekend.

    Our rates are provided by Morning Star © 2016. All Rights Reserved.

    How can I check the exchange rates on the app?

    You can check the live exchange rates for our supported currencies by clicking ‘Exchange’ then the drop down arrow at the top.

    Click ‘Add New Currency’ and select your first currency (e.g. GBP) and then your second Currency (e.g. CAD) to see the exchange rate you would receive for a GBP-CAD transaction for example.

    Use the ‘Converter’ to check exactly how much foreign currency you would receive in exchange for your chosen currency. Check how many Canadian Dollars (CAD) you would receive in exchange for your British Pounds (GBP) for example by adding GBP and CAD as a currency then entering an amount. The amount of CAD you would receive should appear below instantly. Add as many currencies for comparison as you like, and delete a currency by swiping left and selecting ‘Delete’.

    How can I exchange money on the app?

    You can exchange between USD, GBP, EUR, PLN, CHF, DKK, NOK, SEK, RON, SGD, HKD, AUD, NZD, TRY, ILS, AED, CAD, HUF, INR, JPY, MAD, MXN, QAR, THB and ZAR in the ‘Exchange’ section of the app. The top half of the page represents the currency you will exchange from, and the bottom half represents the currency you will receive. Select currencies that you would like to exchange from the drop-down list.

    Then, just enter the amount of money you would like to exchange on the top and the amount you will receive will appear in the box below. Click exchange, and that's it - your balance will be updated.

    How can I exchange currencies other than the base currencies?

    The card will auto-convert your balance to the currency you're spending in at the best rate so there is no need to pre-purchase currency. You can currently only exchange between USD, GBP, EUR, PLN, CHF, DKK, NOK, SEK, RON, SGD, HKD, AUD, NZD, TRY, ILS, AED, CAD, HUF, INR, JPY, MAD, MXN, QAR, THB and ZAR on the app.

    We will be adding more base currencies later in the year which you will be able to load onto your Revolut account and exchange to lock in a great rate.

    Can you guarantee these rates for the long term?

    Our business is predicated on offering the best exchange rates available, which are offered by the spot interbank exchange rate.

    Send

    How can I send money to another Revolut user?

    This is the best part of the app - it's easy, instant and free!

    Tap the pink button on the main navigation screen in the app and select 'Send money'. Check the 'On Revolut' list at the top of your contact list and find a friend that also has a blue 'R' next to their name.

    Next, click on your friend and enter in the amount you would like to send. You can choose the currency by clicking on ‘GBP’ and selecting from those options, or tap “Other” for the remaining currencies. Then just click ‘Send’ and the money will appear instantly in their Revolut account!

    If your friend doesn't appear in your contact list with a blue ‘R’ - just add a new contact by pressing the (+) in the top right hand corner. Add their name and mobile number as registered on their Revolut profile to your contacts. Then, refresh your contacts by pulling down on the list and they should appear instantly with a blue ‘R’ next to their name.

    Will I be charged to send money to another Revolut user?

    No - it's completely free!

    How can I send money via SMS, Email or Whatsapp?

    If you don't know the recipient's bank account details, you can send a payment link via the Revolut app so they can enter their own bank details.

    Tap the pink button on the main navigation screen in the app and select 'Send money'. Select your contact you would like to transfer money to and add the amount you would like to send. You can choose the currency by clicking on ‘GBP’ and selecting ‘GBP’ , ‘USD’ or ‘EUR’ or tap other to choose one of the other 23 currencies we support for transfers.

    When you tap next, this will generate a payment link which you can then copy and send to your contact via e-mail, WhatsApp or so on. You can also choose to automatically SMS them the payment link. The recipient then has 24 hours to collect the money by clicking on the link and entering their account details.

    If 24 hours elapse and the person hasn't collected the money, the funds will be reverted back to your Revolut account. You can cancel the transfer before the recipient accepts it by clicking on the transaction in your Revolut wallet and selecting ‘Cancel payment’.

    How can I cancel a transfer via SMS, Email or Whatsapp?

    Simply exit the send/request section of the app and tap 'Account'. Then click on the transfer you would like to cancel and choose 'Cancel Transfer'. That's it!

    Bank Transfer

    How can I transfer money to my bank account?

    To transfer any of our supported 26 currencies to your bank account, tap the pink button on the main navigation screen in the app. Select 'To bank account' and tap 'Add a new beneficiary'. Add your bank details, then you can simply enter the amount, currency and hit send.

    Transfers to a UK bank account take a few hours if you have activated your personal GBP account. If not, your transfer should take 1-2 working days. International transfers take up to 5 working days.

    How can I adjust or cancel a Recurring payment?

    To see the list of payments you’ve set up, go to the ‘Payments’ section in the app and select ‘Recurring payments’. Tap on the payment you want to edit and you’ll be able to Adjust, Deactivate, Activate or Delete it anytime you need.

    What FX rate will I get for Recurring payments?

    We’ll use the FX rate on the day of the payment. Please note that in the case of multi currency Recurring payments, you cannot lock the FX rate from the time you set up the payment. Trust us, you’re still getting the best rate around!

    Can I only set up Recurring payments as bank transfers?

    For the moment, yes. However very soon we're going to introduce Recurring payments that you can make instantly to your friends who use Revolut or any of your phone contacts. We’re also working on introducing Recurring payment requests soon!

    How can I transfer money to a business or friend?

    To transfer any of our supported 26 currencies to your bank account, tap the pink button on the main navigation screen in the app. Select 'To bank account' and tap 'Add a new beneficiary'. Add their bank details, then you can simply enter the amount, currency and hit send.

    If you don't know their account details, you can also send them money via the ‘Send’ function in the app. Tap the pink button on the main navigation screen again and select 'Send money'. Scroll through your contact list, select the person you need to send money to and enter the amount you want to transfer. Choose the currency by tapping ‘GBP’ and selecting either 'GBP' , ‘EUR’, ‘USD’ or tap ‘Other’ to send in a different supported currency.

    This will generate a payment link which you can share with the recipient via SMS or any other means. The recipient will receive a message notifying them that you’ve initiated a transfer. The recipient then has 24 hours to collect the money by clicking on the link and entering their account details.

    If 24 hours elapse and the person hasn't collected the money, the funds will be reverted back to your Revolut account. You can cancel the transfer before the recipient accepts it by clicking on the transaction in your Revolut wallet and selecting ‘Cancel Payment’.

    Where can I transfer money?

    International transfers to bank accounts can be transacted in the following currencies: EUR, GBP, USD, AUD, CAD, CZK, DKK, HKD, HUF, ILS, MXN, NZD, NOK, PLN, RON, SGD, ZAR, SEK, CHF, THB, TRY, AED, BGN, QAR, SAR

    Please note, if you transfer money to a bank account which holds a different currency (for example, if you transfer CAD to an account which holds GBP), a conversion fee will be applied. We will be adding more currencies very soon!

    We currently do not support transfers to the following countries:

    AFG, AGO, BIH, BDI, BTN, BVT, BLR, COD, CAF, COG, CIV, COK, CHN, CUB, DZA, EGY, ERI, FSM, GHA, GIN, GUM, GNB, GUY, HTI, IRQ, IRN, KGZ, KHM, PRK, KWT, KAZ, LAO, LBN, LBR, LBY, MDA, MNE, MHL, MMR, MNG, MNP, NAM, NGA, NIC, PAN, PNG, PAK, PRI, PLW, SRB, RUS, SDN, SLE, SOM, SSD, SYR, TJK, TLS, TKM, TUN, UGA, UZB, VEN, YEM, ZWE

    How long does it take to transfer money via Revolut?

    Transfers to a UK bank account take a few hours if you have an activated personal GBP account. If not, your transfer should take 1-2 working days.

    If your UK bank does not use faster payments or you are transferring internationally, it will take 3-5 working days to reach the recipient's account.

    Will I be charged to transfer money via Revolut?

    Revolut does not charge a fee for cross-currency transfers for up to £5,000 / €6,500 / $6,000 / Fr 6,000 / 20,000 zl (or equivalent) per month. A 0.5% fee will apply to any further cross-currency transactions performed during the same calendar month.

    You should also watch out for third party fees. If your transfer is sent in Euros and your bank is using SEPA (Single Euro Payments Area), then a transfer from Revolut is free. SEPA comprises of the 28 E.U. member states as well as Switzerland, Norway, Iceland, Liechtenstein, Monaco and San Marino.

    If your bank is located outside of the E.U. or is not in Euros, then your transfer will be sent via SWIFT (Society for Worldwide InterBank Financial Telecommunications) and you may incur international wire transfer fees.

    With SWIFT transfers, the beneficiary bank could also charge a fee to receive your transfer. When your money is in transit, it may be processed by an intermediary bank who may also deduct a handling fee. Therefore, the amount you receive in your bank may be less than the amount you sent. As banks are not always transparent about their fees, unfortunately, we cannot provide a conclusive amount that you could be charged.

    We can provide an estimate of the potential fees for the following currencies:

    1. 35 AUD
    2. 20 CAD
    3. 50 AED
    4. 16-32 EUR (outside of SEPA)
    5. 7500 JPY
    6. 35 NZD
    7. 20-40 USD

    Can I transfer money to my U.S. bank account?

    Generally, you can transfer money to banks in the United States using Revolut. However, if you are currently living in the United States, you cannot make a bank transfer from Revolut to your local bank account due to licensing restrictions. We're working on resolving this!

    You can still use Revolut by withdrawing your funds from a cash machine.

    What can I do if I transferred money to the wrong account?

    Please contact support as soon as possible, in some cases we may be able to cancel your transfer within 24 hours.

    If you entered the wrong account details, we will try to liaise with our service provider to locate your transfer. If you've transferred via SWIFT we can request an MT103, a recall or a trace on your behalf.

    For local transfers, there is only an option of a recall for transfers in USD. For other currencies, we can only provide an official transfer confirmation and wait for the funds to be returned to us. The best thing to do would be to contact your bank.

    Please note, all of these actions are on a best endeavour basis and their success is not guaranteed.

    Can I set up multiple Recurring payments?

    Yes! You can set up as many Recurring payments as you need. You can name each one so that you can tell them apart in the list of payments that you have. Click the 'Payments' section in the app and select 'Recurring payments' to view what you have set up or add new ones.

    What happens if I set up a Recurring payment, but I don’t have sufficient funds in my account?

    If you don’t have enough funds to complete a payment, we’ll send you a notification 24 hours before so that you have enough time to top up the account and the payment can go through. This way you never miss your payments!

    Account

    Can I hold multiple currencies?

    Yes, Revolut allows you to hold and exchange between separate USD, GBP, EUR, PLN, CHF, DKK, NOK, SEK, RON, SGD, HKD, AUD, NZD, TRY, ILS AED, CAD, HUF, INR, JPY, MAD, QAR, THB, or ZAR balances. We will be adding loads more currencies soon!

    Please note that you can top-up in AED, CAD, HUF, INR, JPY, MAD, QAR, THB, SGD, HKD, AUD, NZD, TRY, ZAR and ILS currencies only via bank transfers. Card top-ups are not supported for the time being.

    Can I pay a security deposit with my Revolut card?

    When you use your card for a security deposit, an amount will be blocked from your card for up to 10 working days. You won't be able to spend the blocked amount during this time.

    We usually suggest paying for the security deposit with your debit/credit card. Then pay the final balance with your Revolut card to avoid any foreign transaction fees. Alternatively, just make sure you account for the security deposit when calculating your holiday budget and topping up!

    Why was I charged twice for my restaurant bill?

    Some restaurants, notably in the United States, pre-authorise your Revolut card with the total amount for your bill, for example $40. When you have signed the receipt and decided whether you would like to leave a tip, they finish the transaction by either finalising the sale or adding a tip then finalising the sale.

    If you add a tip, a second charge including the tip may appear on your Revolut account - for example $47.50. This will appear in your transaction history as a double charge until the merchant cancels the pre-authorisation. This can take up to 10 working days to be credited back to your available balance.

    Can I check my balance at an ATM?

    At most ATMs yes. The ATM will display a total of all of your currency balances (GBP, USD, EUR, PLN, DKK, NOK, SEK, RON, SGD, HKD, AUD, NZD, TRY, ILS, AED, CAD, HUF, INR, JPY, MAD, MXN, QAR, THB, ZAR and CHF) in the local currency. For example, if you check your balance at an ATM in Thailand it will show a total of your five balances in Thai Baht!

    Are there limits to my Revolut account?

    New Revolut users will need to complete our automated ID check to top-up their Revolut account. Once you’ve passed your ID check, your top-up limits will be increased to a much higher annual threshold.

    Using Revolut to send, spend, withdraw and exchange in a foreign currency is free for the first £5,000 / €6,000 / $6,000 / Fr6,000 / 20,000zl per month. A 0.5% fee will apply to any further cross-currency transactions performed during the same month.

    ATM usage is free for up to £200 (€200/ $200/ Fr 200/ 800zl/ 1,500DKK / 2,000SEK / 2,000NOK / 800RON) per month, after which there will be a 2% fee applied to further ATM withdrawals until the end of the month. For example, if you withdrew £250 in one month, this would only cost you £1.

    Card spending is limited to £30,000 or equivalent per year with a sublimit of £5,000 or equivalent per 96 hours meaning that you cannot exceed £5,000 or equivalent in card spending in a 96 hour period. Cash withdrawals from ATMs are limited to £500 or equivalent per day.

    Please note, if you joined before 16 March 2017 your billing cycle for all charges goes by Calendar month. If you joined after 16 March 2017, you go by Rolling month. If you joined before 16 March 2017 and upgraded your Revolut account from Standard to Premium, you'll also be on a Rolling month cycle.

    What balance will my Revolut card use when I am abroad?

    Your Revolut account can hold a balance in GBP, EUR, USD, PLN, CHF, SEK, NOK, DKK, RON, AUD, NZD, SGD, HKD, ILS, TRY, AED, CAD, HUF, INR, JPY, MAD, MXN, QAR, THB, and ZAR. The card selects which balance to use in the following order:

    *The local currency of the merchant/ATM e.g. if you are in Spain, it will deduct funds from your Euro balance.

    *Your base currency - i.e. if you used a UK address to sign-up, your base currency will be GBP.

    *Your largest balance.

    You need to have sufficient funds in one single balance in order to make a transaction. If you don’t have enough funds in the balance of the local currency, it will default to your next largest balance and so on.

    How can I get a statement for my Revolut account?

    This is super easy to do. Go to the 'Account' tab in the app, scroll up on your transactions list and tap the receipt icon in the top-right corner. Choose whether you would like your statement as a PDF or Excel file and set the date range for which you would like a statement. Tap 'Get statement' and you will be able to see your account history on the screen.

    If you would like to export your account statement, simply tap the export icon in the top-right of the screen and you can choose to send it to yourself via SMS, email or print it directly from your phone.

    What is not supported with Revolut?

    There are some merchants that are not supported with your Revolut card. At the moment, this includes:

    1. Financial securities brokers and dealers
    2. Foreign exchange bureaus (including TravelEx ATMs)
    3. Unmanned petrol stations (although you can still pay inside!)

    Some merchants we allow up to a cumulative limit, after which you will need to verify your ID and confirm your top up cards to continue using them:

    1. Payment services ($200 or equivalent)
    2. Prepaid cards ($200 or equivalent)
    3. Dating & Escort services ($200 or equivalent)
    4. Betting/gambling services ($120 or equivalent)
    5. Jewellery & Art dealers

    Merchants are categorized by their merchant category code (MCC), and this is how we recognize what type of merchant they are. A merchant can sometimes wrongfully categorise under an MCC. If you receive a push notification saying 'This merchant isn't supported' when it isn't listed above, it is likely to be because of their MCC.

    What is a pending transaction?

    A pending transaction is a payment which has been authorised but is still awaiting the merchant's confirmation or reversal. The amount won’t be available on your balance until the merchant either cancels the payment or 7 days have passed and the money hasn't been claimed. After this time, your balance should be adjusted automatically.

    Why is my card declined at toll booths & automatic petrol pumps?

    As your Revolut card is pre-paid, when you pay with it the merchant has to authorise that you have sufficient funds on your card to make the payment.

    As some automatic petrol pumps and toll booths do not have online connectivity, you may find that you are unable to use your Revolut card at automatic petrol stations.

    What should I do if I find a transaction I don't recognise?

    Block your Revolut card in the ‘Card’ section of the app straight away. There is no fraud protection for your pre-paid card as stated by ‘The UK Cards Association’, therefore any money used in a fraudulent transaction will not be reimbursed. If you would like to challenge a transaction that has been made an account we can raise a chargeback for you to retrieve the funds. However, this does depend on your transaction’s situation and circumstances. By raising a chargeback we would effectively charge the merchant back for the funds.

    How can I challenge a card transaction?

    If you see a transaction on your Revolut transactions list that you don’t recognise, or you believe should have been refunded, please contact the in-app support so we can investigate for you. Following an internal investigation, we may decide to raise a chargeback on your behalf. This effectively raises a dispute with the merchant on your behalf. Please gather all available supporting evidence to provide to support via the in-app support chat.

    Credit

    What is Revolut credit?

    Revolut customers can apply for a personal loan via the Revolut app in 2 minutes and receive the money instantly in their Revolut account. Simply tell us how much money you need, your monthly income, residential status and that’s it – we’ll provide a personalised quote in seconds.

    You can request amounts ranging from £500 up to £25,000 and adjust your repayment terms between 12 to 60 months. You will also be able to see the total cost of your loan and how much you’ll be required to pay back monthly.

    If you decide to proceed with your credit, just hit accept in the app and the money will be in your Revolut account instantly. Your monthly repayments will automatically be processed as a direct debit from your bank account and there are no fees to repay the loan early.

    Who can apply for Revolut credit?

    Currently only UK residents can apply for credit - but we’re working to launch instant, affordable credit across Europe soon!

    What makes Revolut credit different?

    Revolut credit is instant, affordable and fair. We use peer-to-peer (P2P) lending to give you the best available rates. We match individual lenders with those who want to borrow money. This cuts out the banks entirely and means that Revolut can provide credit at half the cost of a typical UK bank.

    How to apply for Revolut credit?

    In the Revolut app, tap ‘Top up’ and select ‘Get credit’. Let us know how much money you need and how long you would like to borrow it for. Then, continue by answering a few personal details (your monthly income, previous address and residential status).

    We will then provide you with a personalised credit quote which shows you the total cost of your loan and how much you would pay back monthly. If you’re happy with your quote, just accept your T&Cs and the money will be paid into your Revolut account instantly.

    Your monthly payments will automatically be set up by direct debit from the bank account you provided and there are no fees to repay the loan early.

    Questions about your Revolut credit plan

    Once you have accepted your credit agreement, you’ll have up to 14 days to cancel your loan in case you change your mind. You can cancel your loan by contacting our partner via cs@lendingworks.co.uk, 020 7096 8512 or Gray's Inn Road, London, WC1X 8AQ.

    If you have questions about your monthly repayments, or any other aspect of your loan agreement, please check out our credit partner Lending Works’ support centre or get in touch with their team.

    Who are Lending Works?

    Revolut is acting as an intermediary and is not the lender. Credit is provided through Lending Works’ Peer to Peer lending platform. Revolut LTD is an appointed representative of Lending Works Ltd, which is authorised and regulated by the Financial Conduct Authority. Lending Works’ registered offices are at 60 Gray’s Inn Road, London, WC1X 8AQ.

    Security

    Is my money safe?

    Client funds are stored under a segregated account at Lloyd’s or Barclays, depending on the type of account you hold. As an FCA authorised institution, your funds are safeguarded as per FCA requirements, the Electronic Money Regulations 2011 and the Payment Services Regulations 2009. In the event of an insolvency, you will be able to claim your funds from this segregated account and your claim will be paid above all other creditors.

    All your card transactions are processed by the Mastercard or Visa network and are protected by Mastercard or Visa rules.

    Who are Paysafe Financial Services Limited?

    Your Revolut prepaid card may be issued by Paysafe Financial Services Limited (Paysafe), pursuant to a license by MasterCard International. All prepaid cards issued by Paysafe will, with effect from 1 January 2018, migrate to being issued directly from Revolut. This means that your current cardholder terms with Paysafe will end on 1 January 2018. You can move across earlier by agreeing to our cardholder terms by clicking accept in our app. Our cardholder terms can be found here.

    Is Revolut FCA approved?

    Revolut is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money and payment instruments with the reference number 900562.

    Is my private information safe?

    Yes, our policies and procedures are designed to protect both your confidentiality and the security of your information, including your non-public personal information. We store and process your personal information using third party servers located in secure data centers, that are protected by firewalls and have restricted access in compliance with applicable regulations. All data passed between Revolut mobile apps, our servers and third parties is 2048-bit SSL encrypted.

    My account is blocked, what should I do?

    If your account is blocked, there are two key things you should do:

    1. Verify your identity:

    If you open the app you should be given the option to ‘Verify your identity’. You will be prompted to take a photo of your international drivers licence/passport and a photo of yourself. Your account should be verified within 15 minutes. Please go to the Profile section of our support for more information on how to do this.

    1. Confirm your top up card:

    You should also be given the option to ‘Verify your card’. To do this, you just need to look at your online banking and find a recent top up to Revolut which looks like Revolut1234. Then, you need to go onto the app and enter the 4-digit code here. That’s it!

    How does disabling magstripe payments increase my Revolut cards security?

    ‘Magstripe’ (Magnetic stripe = the black strip on the back of your card) transactions are unfortunately more susceptible to fraud than other types of card transaction. Disabling magstripe payments in your app when you don’t need this functionality would significantly reduce the risk of fraud on your Revolut card.

    Keep in mind:

    Whilst most European countries have implemented ‘Chip & Pin’ ATM technology, other countries across the globe have been slower to adopt it.

    If you are in the United States and South East Asia in particular, you should keep in mind that a lot of their ATM’s and merchant terminals still use magstripe technology – so it would be advantageous to leave it enabled.

    How does the location based security feature work?

    Once you turn this feature on in the app, we will use your phone’s location to determine if your card has been compromised and help prevent fraudulent transactions.

    For example, if you and your phone are in Germany and a transaction is attempted in Hong Kong with your card details - we will stop the transaction from going through. The logic behind this is if you’re in Germany, there’s a high chance the person in Hong Kong trying to use your card details isn’t you!

    Don’t worry, we don’t block e-commerce payments so you can still use your Revolut card for international online shopping!

    How does Revolut make money?

    We earn a nominal fee paid to us by merchants every time you spend on your Revolut Card. Revolut was launched to offer a fair and transparent service. It has been designed to offer the best value and the best user experience.

    Premium

    What is Revolut Premium?

    The Revolut Premium membership gives Revolut users access to all of the benefits the basic Revolut app and Mastercard© or Visa, plus:

    • Unlimited free FX volume vs £5000/€6000 monthly free limit on standard account (spend, transfer and exchange anywhere in the world without FX fees regardless of the amount transacted)
    • Free Premium cards (with 3 unique custom designs)
    • Free Global express delivery
    • Free overseas medical insurance for EEA residents
    • Free spare cards
    • Double the ATM limit vs Revolut Basic (£400 / €400 / $400 / 400CHF / 1600PLN / 3,000DKK / 4,000SEK / 4,000NOK / 1,600RON or currency equivalent per month)
    • Exclusive 24/7 customer support

    We will be adding loads more exclusive Premium features over the next few months, keep an eye out for updates!

    How much does Revolut Premium cost?

    The Revolut Premium membership is a 12-month subscription, with two payment plans available:

    Monthly payment (annual contract): £6.99 / €7.99 / 8.99USD / 8.99CHF / 29.99PLN / 59.99DKK / 76.99NOK / 76.99SEK / 29.99RON

    Annual: £72 / €82 / 92USD / 92CHF / 300PLN / 620.00DKK / 790.00NOK / 790.00EK / 300.00RON (14% discount)

    We are currently offering a 1-month free trial. Therefore, your Revolut account will be billed with either your first monthly payment or your annual subscription amount exactly 1-month after signing up to Revolut Premium.

    Your Revolut account will be billed in your base currency.

    How can I upgrade to Premium?

    Existing Revolut customers can upgrade to Premium at any time in the app. To upgrade your account and reserve a Premium Revolut card: navigate to the ‘Card’ screen, swipe left on your virtual Revolut card and tap ‘Physical’ to reserve your Premium card and upgrade your account.

    If you would like to upgrade to Premium without reserving a Premium card, go to the ‘Profile’ section of the app and tap ‘Go Premium!’ to change your plan.

    Please note: If you pre-order a Premium Revolut card during your 1-month trial and cancel your Premium membership during this time, a £10 fee delivery fee will be deducted from your Revolut account.

    How do I cancel my Premium Subscription?

    After your 1-month free trial period, your Revolut Premium membership has a 12-month duration. If you order a physical Revolut card during your 1-month trial and cancel your Premium membership during this time, a £10 delivery fee will be deducted from your Revolut account.

    If you would like to cancel your Revolut Premium membership, please send a message to our in-app support so we can help. The cancellation becomes effective on the end date of your membership (exactly 13 months after you signed up).

    Unless you cancel your membership up to one month before the end of your 12 month contract, your membership is automatically renewed for another year. You can check the current end date of your membership in the Revolut app at any time. Go to the ‘Profile’ section of the app and check your ‘Price Plan’.

    You can continue to use your Revolut Premium card until your membership period ends, after which you will need to order a basic Revolut card. You can find further details on the terms and conditions of your Revolut Premium membership here.

    What does the Premium insurance cover?

    Please note that as of 31st July 2017 overseas medical insurance is provided by White Horse to all qualifying Premium users residing in the EEA.

    The group policy covers overseas emergency medical assistance and expenses. The insurance provides cover for unforeseen events and conditions that could affect your health, finances or long-term well-being. You can find a full summary of the cover provided by our insurance provider here.

    How do I make a claim?

    When to make a claim:

    Claims should be made as soon as possible after the date of the incident for which you are claiming.

    Making a claim or requesting assistance in the event of medical emergency:

    All emergency medical claims are handled by our emergency assistance provider who operate a 24/7 service for medical emergencies. Contact the emergency provider service on telephone number: +44 1733 224956.

    Making a non-emergency medical claim:

    For non-emergency medical claims, please call +44 1733 224958. This number is available 8.30am – 6.00pm Monday to Friday and 9.00am to 5.00pm Saturday (GMT)

    What is the period of cover?

    The insurance starts when you depart from your usual place of residence in your home country to commence a trip and finishes when you return home at the end of the trip. You will no longer be eligible for cover, and all cover will automatically end, at midnight on the day the following event occurs:

    • At midnight on the end date shown in the most recent statement of insurance; or
    • When you close the Revolut premium account for which you are eligible to receive benefits under this group policy; or
    • When you reach the age of 71

    Whichever event is sooner.

    Is there a limit to the duration of cover?

    Yes. The maximum number of days covered in any 12 month period is 183 days. You are only covered for a trip if it lasts less than 21 days.

    Where do I find my insurance policy documents?

    If you have a Revolut premium account and are eligible for the insurance you are automatically included in the group policy. The latest statement of insurance, group policy wording and summary of cover can be found here.

    Device Insurance

    What is Revolut Device Insurance?

    Today's smartphones break extremely frequently and the cost of repairing them is insane. While signing up for an insurance plan provided by your mobile network provider may seem convenient, it’s never cheap.

    Revolut customers can protect their precious smartphones, within a few second, straight from their Revolut app at an affordable price. In fact, our insurance is on average 50% cheaper than mobile network insurance plans available across Europe.

    When an accident happens, Revolut device insurance will ensure you are up and running again as quickly as possible.

    How do I make a claim?

    You can make a claim either online or via the phone directly with Simplesurance. You can find the contact details in the Revolut app or the confirmation email you receive as soon as you activate your insurance. Go to the ‘More’ tab on the main navigation bar, tap ‘device insurance’ and select ‘Get help’.

    Who are Simplesurance?

    Simplesurance are an award winning insurance technology service provider that are already protecting hundred thousands of customers all across Europe. They have major financial backers that include Allianz and Rakuten.

    What makes Revolut Device Insurance different?

    Fully digital experience: You can activate device insurance straight from the app in less than a minute and make a claim online with zero hassle.

    Affordable price: Revolut device insurance is on average 50% cheaper than mobile network insurance plans available across Europe.

    Flexible payment plans: We let you choose how you want to pay. Pay as little as £0.90 weekly, or save 13% by paying upfront for the whole year.

    Transparent terms & conditions - Insurance plans tend to have complex terms & conditions with tons of exclusions and hidden fees. We have created a product with fair coverage for all common accidents with no nasty exclusions.

    Who can apply for Revolut Device Insurance?

    Device Insurance is available to all of our customers across Europe!

    My device is not new. Can I still protect it?

    Yes. We’re one of the few companies that let you protect a device up to 6 months old! If your phone is older than 14 days when you buy Revolut Device Insurance, your insurance coverage will start after 4 weeks. If it is less than 14 days, your insurance coverage starts immediately.

    What protection does Revolut Device Insurance provide?

    Revolut provides worldwide protection for everyday accidents: drops, breakages, cracked screens, liquid damage & out-of-warranty breakdowns.

    We haven’t included loss or theft as we don’t believe it provides good value for our customers for the following reasons:

    • Apps such as Find-my-iPhone allow customers to completely lock their device which mean that genuine Loss/Theft cases are now very rare.
    • There are a lot of fraudulent claims for Loss/Theft which are hard to prevent. This means that genuine customers are forced to pay very high prices for loss/theft insurance.
    • The user experience is complex and inconvenient, with trips to a police station required.

    How long does it take to repair/replace my phone?

    Once Simplesurance's repair centre receive your device, they will repair or replace it within 2-3 working days. After you file a claim, Simplesurance will keep you updated on the status of your claim so you know exactly how things are progressing throughout the process.

    How do I pay for Revolut Device Insurance?

    You can either pay per week or pay upfront for the whole year. You will receive a discount of 13% for the whole year if you choose to pay upfront!

    If you pay upfront, the amount will be deducted from your Revolut balance as soon as you activate your insurance. If you opt to pay weekly, the first payment will be taken from your Revolut account when you activate your insurance.

    The term for insurance is always 12 months and cannot be cancelled early.

    Is there a discount for Premium members?

    Of course! Premium customers enjoy a 20% discount, which means you could protect an iPhone 7 for as little at £40 per year! Learn more about our Premium service here.

    Where do I find my insurance policy?

    You can find your policy details in the Revolut app. Go to the 'More' tab on the main navigation bar, tap "Device insurance" and select "View policy". You will also receive a confirmation email with your policy details once you have activated your insurance.

    Copyright (c) 2017 Revolut LtdLegal AgreementsPrivacy PolicyFair Usage
    Revolut Ltd is a company registered in England and Wales (No. 08804411). Revolut Ltd is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900562.