You begin receiving interest when your money arrives with the partner bank. However, your money may not arrive with the partner bank immediately.
For example, when you top-up your Revolut account using a debit/credit card, although you see the top-up in your Revolut account straight away, this does not mean the money has actually arrived with us. It can actually take up to five working days for us to receive a card top-up. The reason you are able to spend the top-up straight away is because Revolut “pre-funds” it for you. However, we don’t pre-fund Savings Vaults, meaning that your deposit will only be sent to the bank after it actually arrives with us.