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| 0 | Terms & Policies Revolut Privacy Policy Download PDF History CUSTOMER PRIVACY POLICY Effective date: December 18, 2025 Previous versions: Available here We're committed to protecting and respecting your privacy. | 0 | Terms & Policies Revolut Privacy Policy Download PDF History CUSTOMER PRIVACY POLICY Effective date: June 18, 2026 Previous versions: Available here At a glance: how we handle your personal data ● What we collect: we collect information you give us (like your ID documents and fi nancial details), information from your device (like location or IP address) and information from others (such as credit reference agencies). |
| 1 | We will: - always keep your personal data safe and private - never sell your personal data - allow you to manage and review your marketing choices at any time 1. | 1 | We also create new information about you based on how you use the Revolut app. ● How we use it: we use your personal data to run our services, stop fraud, make decisions about whether you're eligible to use certain products, improve our products, and send you relevant offers (where allowed). ● Who we share it with: we share your personal data with companies that help us provide our products and services, credit reference agencies, people or companies you send money to or receive money from, and government agencies (if the law requires it). ● Your rights: you have control over your personal data. |
| 2 | You can ask for a copy of it, ask us to delete it or ask us to stop using it (especially for marketing) by contacting dpo@revolut.com. | ||
| 3 | You can also manage your privacy preferences directly in-app. ● Our promises: we will always keep your personal data safe. | ||
| 4 | We will never sell your personal data. | ||
| 5 | We will always try to give you as much control as possible over how we use your personal data. 1. | ||
| 12 | We may provide this policy in languages other than English. | 16 | Speci fi c Revolut products, and services, or processes you use may have standalone privacy notices. |
| 17 | Here are some examples: - Revolut Messenger Privacy Notice - Revolut Kids & Teens<18 Privacy Notice These notices: - give you more detail about how Revolut collects, uses and protects your personal data when you use speci fi c Revolut products or services, or go through speci fi c in-app processes - will be provided to you through the relevant Revolut app when you start using relevant Revolut products or services, or begin those processes - can be accessed at any time through the Revolut website (see here) Sometimes, we may also provide you with 'just in time' privacy explanations in our apps. | ||
| 18 | When you use a new Revolut product or service for the fi rst time: - these explanations will help you to understand what speci fi c personal data Revolut collects, uses or shares about you for that product or service - where relevant, you will be prompted to review your in-app privacy preferences We may provide this policy in languages other than English. | ||
| 17 | Type of personal data Details Information you give us We collect information you provide when you: ✓ fill in any forms ✓ correspond with us ✓ respond to any of our surveys ✓ register to use any of our apps ✓ register, or approve a registration for, a child to use the Revolut–Kids & Teens app ✓ open an account or use any of our services ✓ give us access to your other financial accounts ✓ take part in online discussions or promotions ✓ speak with a member of our social media or customer support teams (either on the phone or through our apps) ✓ enter a competition, promotions, or share information with us on social media ✓ contact us for other reasons We will collect the following information: ✓ your name, address, social security number, and date of birth ✓ your email address, phone number and details of the device you use (for example, your phone, computer or tablet) ✓ your Revolut username which is known as your 'Revtag' (this is random and is automatically assigned to you when you fi rst join but you will be able to change it) ✓ your registration information ✓ details of your bank account, including the account number, sort code and ABA routing number or SWIFT code ✓ details of your Revolut debit cards and credit cards (or other debit or credit cards you have registered with us) including the card number, expiry date and CVC (the last three digits of the number on the back of the card) ✓ copies of your identi fi cation documents (for example, your passport or driver's license) and any other information you provide to prove you are eligible to use our services ✓ your country of residence, tax residency information, and tax identification number ✓ information you provide when you apply for credit, including details about your, or your spouse's, income, employment, and fi nancial obligations ✓ information you provide when you sign up for wealth and trading products, including details about your employment and salary ✓ information you provide when you register or approve your children to use Revolut–Kids & Teens ✓ information about any existing accounts or holdings you hold with other companies that you want to transfer to Revolut ✓ records of our discussions, if you contact us or we contact you (including records of phone calls) ✓ your image in photo or video form, and facial scan data extracted from your photo or video (known as 'biometric data'), to verify your identity during onboarding as part of our Know-Your-Customer (KYC) checks, to authenticate you as an authorized user of our services, or to detect and prevent fraud ✓ information about other people (such as a joint account holder, your spouse or family) when we ask you to give us this information to enable us to comply with our obligations under KYC, anti-money laundering laws and other laws to assist with fraud monitoring If you give us personal data about other people (such as a joint account holder, your spouse or family), or you ask us to share their personal data with third parties, you con fi rm that you have brought this policy to their attention beforehand. | 23 | Type of personal data Details Information you give us We collect information you provide when you: ✓ fill in any forms ✓ correspond with us ✓ respond to any of our surveys ✓ register to use any of our apps ✓ register, or approve a registration for, a child to use the Revolut–Kids & Teens app ✓ open an account or use any of our services ✓ give us access to your other financial accounts ✓ take part in online discussions or promotions ✓ speak with a member of our social media or customer support teams (either on the phone or through our apps) ✓ enter a competition, promotions, or share information with us on social media ✓ contact us for other reasons We will collect the following information: ✓ your name, address, place of birth, social security number, date of birth, and citizenship ✓ your email address, phone number and details of the device you use (for example, your phone, computer or tablet) ✓ trusted locations you have identi fi ed for security purposes (such as your home or work to use Street Mode) ✓ your Revolut username which is known as your 'Revtag' (this is random and is automatically assigned to you when you fi rst join but you will be able to change it) ✓ your registration information ✓ details of your bank account, including the account number, sort code and ABA routing number or SWIFT code ✓ details of your Revolut debit cards and credit cards (or other debit or credit cards you have registered with us) including the card number, expiry date, CVC (the last three digits of the number on the back of the card), and any of your personalized QR payment codes ✓ copies of your identi fi cation documents (for example, your passport or driver's license) and any other information you provide to prove you are eligible to use our services ✓ your country of residence, tax residency information, and tax identification number ✓ information you provide when you apply for credit, including details about your, or your spouse's, income, employment, and fi nancial obligations ✓ information you provide when you sign up for wealth and trading products, including details about your employment and salary ✓ information you provide when you register or approve your children to use Revolut–Kids & Teens ✓ information about any existing accounts or holdings you hold with other companies that you want to transfer to Revolut ✓ records of our discussions, if you contact us or we contact you (including records of phone calls) ✓ your image in photo or video form, and facial scan data (known as 'biometric data'), or voice data, extracted from your photo or video, to verify your identity during onboarding as part of our Know-Your-Customer (KYC) checks, to authenticate you as an authorized user of our services, or to detect and prevent fraud ✓ information about other people (such as a joint account holder, your spouse or family) when we ask you to give us this information to enable us to comply with our obligations under KYC, anti-money laundering laws and other laws to assist with fraud monitoring If you give us personal data about other people (such as a joint account holder, your spouse or family), or you ask us to share their personal data with third parties, you con fi rm that you have brought this policy to their attention beforehand. |
| 18 | Information collected from your use of our products and services Whenever you use our website or the apps, we collect the following information: ✓ technical information, including the internet protocol (IP) address used to connect your computer to the internet, your login information, the browser type and version, the time zone setting, device language, the operating system and platform, the type of device you use, whether your device uses a virtual private network (VPN), a unique device identi fi er (for example, your device's IMEI number, the MAC address of the device's wireless network interface, or the mobile phone number used by the device), mobile network information, your mobile operating system and the type of mobile browser you use ✓ information about your visit, including the links you've clicked on, through and from our website or app (including date and time), services you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling and clicks), and methods used to browse away from the page ✓ information on transactions and your use of Revolut products (for example, payments into and out of your account), including the date, time, amount, currencies, exchange rate, bene fi ciary details, details of the merchant or ATMs associated with the transaction (including merchants' and ATMs' locations), IP address of sender and receiver, sender's and receiver's name and registration information, messages sent or received, details of devices used to arrange the payment and the payment method used. | 24 | Information collected from your use of our products and services Whenever you use our website or the apps, we collect the following information: ✓ technical information, including the internet protocol (IP) address used to connect your computer to the internet, your login information, the browser type and version, the time zone setting, device language, the operating system and platform, the type of device you use, whether your device uses a virtual private network (VPN), a unique device identi fi er (for example, your device's IMEI number, eSIM ICCID, eSIM matching ID, the MAC address of the device's wireless network interface, or the mobile phone number used by the device), mobile network information, your mobile operating system and the type of mobile browser you use ✓ information about your visit, including the links you've clicked on, through and from our website or Revolut app (including date and time), services you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling and clicks), and methods used to browse away from the page ✓ information on transactions and your use of Revolut products (for example, payments into and out of your Revolut account), including the date, time, amount, currencies, exchange rate, bene fi ciary details, details of the merchant or ATMs associated with the transaction (including merchants' and ATMs' locations), IP address of sender and receiver, sender's and receiver's name and registration information, messages sent or received, details of devices used to arrange the payment and the payment method used. |
| 21 | The relevant Revolut app will regularly gather this information to keep everything up to date, based on your device settings Information about your location If you turn location services on in the relevant Revolut app, we track your location using GPS technology. | 27 | The relevant Revolut app will regularly gather this information to keep everything up to date, based on your device settings ✓ behavioral biometric data (such as how you scroll or type) and detailed device settings (such as your language, timezone, and plugins) which we use to detect potential fraud Information we infer or create about you We create new data about you by analyzing the information we already have. |
| 22 | Information from others We collect personal data from third parties or other people, such as credit reference agencies, fi nancial or credit institutions, price comparison websites, o ffi cial registers and databases, as well as joint account holders, fraud prevention agencies, other third parties providing fraud prevention services, and partners who help us to provide our services. | 28 | This includes: ✓ pro fi les based on your spending behavior and interests (to personalize our services and marketing) ✓ risk scores (such as credit or fraud risk scores) based on your transaction history and application details ✓ predictions about your likely fi nancial needs or status We explain more in the following sections below: ● Do you make automated decisions about me? ● Do you run credit checks on me? ● How do you use my personal data for marketing? |
| 29 | Information about your location If you turn location services on in the relevant Revolut app, we track your location using GPS technology. | ||
| 30 | Information from others We collect personal data from third parties or other people, such as credit reference agencies, e-KYC providers, fi nancial or credit institutions, price comparison websites, o ffi cial registers and databases, as well as joint account holders, fraud prevention agencies, other third parties providing fraud prevention services, and partners who help us to provide our services. | ||
| 28 | Information from social media Occasionally, we'll use publicly available information about you from selected social media websites or apps to carry out enhanced due diligence checks. | 36 | Information from social media Occasionally, we'll use publicly available information about you from selected social media websites or apps to: ✓ carry out enhanced due diligence checks. ✓ identify you for promotions (for example, by matching your RevTag if you post it publicly) Publicly available information from social media websites or apps may also be provided to us when we conduct general searches on you (for example, to comply with our anti-money laundering or sanctions screening obligations). |
| 29 | Publicly available information from social media websites or apps may also be provided to us when we conduct general searches on you (for example, to comply with our anti-money laundering or sanctions screening obligations). | — | Removed |
| 33 | Our legal basis will be one of the following: - Keeping to our contracts and agreements with you We need certain personal data to provide our services and cannot provide them without this personal data. - Legal obligations In some cases, we have a legal responsibility to collect and store your personal data (for example, under anti-money laundering laws we must hold certain information about our customers). - Legitimate interests We sometimes collect and use your personal data because we have a legitimate reason to use it and this is reasonable when balanced against your human rights and freedoms. - Substantial public interest Where we process your personal data, or your sensitive personal data (sometimes known as special category personal data), to adhere to government regulations or guidance, such as our obligation to prevent fraud. - Consent Where you've agreed to us collecting your personal data, or sensitive personal data, for example when you tick a box to indicate you're happy for us to use your personal data in a certain way. | 40 | Our legal basis will be one of the following: - Keeping to our contracts and agreements with you We need certain personal data to provide our services and cannot provide them without this personal data. - Legal obligations In some cases, we have a legal responsibility to collect and store your personal data (for example, under anti-money laundering laws we must hold certain information about our customers). - Legitimate interests We sometimes collect and use your personal data because we have a legitimate reason to use it and this is reasonable when balanced against your human rights and freedoms. - Substantial public interest Where we process your personal data, or your sensitive personal data (sometimes known as special category personal data), to adhere to government regulations or guidance, such as our obligation to prevent fraud or support you if you are, or become, a vulnerable customer. - Vital interests We may need to use your personal data to protect your life or the life of another person (for example, in a medical emergency or where we have concerns about potential self-harm). - Consent Where you've agreed to us collecting and using your personal data, including sensitive personal data, for example when you tick a box to indicate you're happy for us to use your personal data in a certain way. |
| 40 | This may include facial scan data extracted from any photo or video you submit (known as 'biometric data'). | 47 | This may include facial scan data (known as 'biometric data'), or voice data, extracted from any photo or video you submit. |
| 41 | We do this to keep you and other Revolut customers safe by: - con fi rming you are who you say you are - preventing fraudsters getting access to your account - making sure you're not somebody we've previously told we cannot provide services to We will also check your identity at other times. | 48 | We do this to keep you and other Revolut customers safe by: - con fi rming you are who you say you are - preventing fraudsters getting access to your Revolut account - making sure you're not somebody we've previously told we cannot provide services to We will also check your identity at other times(or example, if your identi fi cation documents expire and we need you to update them). |
| 42 | For example, if you register a new device to access your Revolut account or try to chat with customer support while not logged in, we'll need to verify that it's really you. | 49 | If you register a new device to access your Revolut account or try to chat with customer support while not logged in, we'll also need to verify that it's really you. |
| 43 | Sometimes, you can choose to add extra protection to your Revolut account using biometric data checks. - Legal obligations - Substantial public interest - Consent (where we are required to collect your consent by law) Providing our services Whenever you apply for or use a Revolut product or service, we'll use your personal data to: - decide whether or not to approve your application - meet our contractual and legal obligations relating to any products or services you use (for example, making payments into and out of your Revolut account, withdrawing cash or making payments with your Revolut card) - help you understand your spending behavior, how you use Revolut products and services, and to help you save money (for example, by providing you with product usage and spending insights) - provide you with customer support services. | 50 | Sometimes, you can choose to add extra protection to your Revolut account using biometric data checks. - Legal obligations - Substantial public interest - Consent (where we are required to collect your consent by law) - Legitimate interests (to ensure we do not provide services to customers who have previously breached our Personal Terms) Providing our services Whenever you apply for or use a Revolut product or service, we'll use your personal data to: - Keeping to contracts and agreements between you and us - decide whether or not to approve your application - meet our contractual and legal obligations relating to any products or services you use (for example, making payments into and out of your Revolut account, withdrawing cash or making payments with your Revolut card) - enable any Payment Links relating to your Revolut account (including processing personal data of non-Revolut customers) to facilitate payments to or from your account carry out con fi rmation of payee checks (where we con fi rm the name of the recipient to the payer) to ensure payments are sent to the correct person - help you understand your spending behavior, how you use Revolut products and services, and to help you save money (for example, by providing you with product usage and spending insights) - provide you with customer support services. |
| 44 | We may record and monitor any communications between you and us, including phone calls, to maintain appropriate records, check your instructions, analyze, assess and improve our services, and for training and quality control purposes - Keeping to contracts and agreements between you and us - Legitimate interests (we need to be e ffi cient about how we meet our obligations and we want to provide you with good products and services) - Legal obligations - Consent (where we are required to collect your consent by law) Protecting against fraud We use your personal data to check your address and identity, protect against fraud, keep to fi nancial crime laws and to con fi rm that you're eligible to use our services. | 51 | We may record and monitor any communications between you and us, including phone calls, to maintain appropriate records, check your instructions, analyze, assess and improve our services, and for training and quality control purposes - Legitimate interests (we need to be e ffi cient about how we meet our obligations and we want to provide you with good products and services) - Legal obligations - Consent (where we are required to collect your consent by law) Protecting against fraud We use your personal data to check your address and identity, protect against fraud, keep to fi nancial crime laws and to con fi rm that you're eligible to use our services. |
| 50 | We might publish your review but will make sure that you cannot be identi fi ed. | 57 | We might Remember, you can ask us to stop sending you marketing information by adjusting your marketing choices (the How do you use my personal data for marketing? section below explains how to do this). |
| 51 | Remember, you can ask us to stop sending you marketing information by adjusting your marketing choices (the How do you use my personal data for marketing? section below explains how to do this). - Legitimate interests (to send direct marketing, ensure our direct marketing is relevant to your interests, develop our products and services, and to be e ffi cient about how we meet our legal and contractual duties) - Consent (where we're legally required to get your consent to send you direct marketing about our products or services, or partners' promotions or offers, or for you to receive marketing from other organizations) To keep our services up and running We use your personal data to manage our website and the apps, (including troubleshooting, data analysis, testing, research, statistical and survey purposes), and to make sure that content is presented in the most effective way for you and your device. | 58 | To keep our services up and running We use your personal data to manage our website and the apps, (including troubleshooting, data analysis, testing, research, statistical and survey purposes), and to make sure that content is presented in the most effective way for you and your device. |
| 52 | We also use your personal data to: - authenticate you as an authorized user of our services when necessary (for example, if you contact our customer support or social media teams) - allow you to take part in interactive features of our services - tell you about changes to our services - help keep our website and the apps safe and secure - Keeping to contracts and agreements between you and us - Legitimate interests (to be e ffi cient about how we meet our obligations and keep to regulations that apply to us and to present content as effectively as possible for you) - Consent (where required by law) Helping with social interactions We use your personal data to help with social interactions through our services, or to add extra functions to provide a better experience. | 59 | We also use your personal data to: - authenticate you as an authorized user of our services when necessary (for example, if you contact our customer support or social media teams) - allow you to take part in interactive features of our services - tell you about changes to our services - help keep our website and the apps safe and secure - Keeping to contracts and agreements between you and us - Legitimate interests (to be e ffi cient about how we meet our obligations keep to regulations that apply to us and to present content as effectively as possible for you) - Consent (where required by law) Helping with social interactions We use your personal data to help with social interactions through our services, or to add extra functions to provide a better experience. |
| 53 | For example, if you give us permission, we'll use the contacts list on your phone so you can easily make payments to, or message, your contacts using the relevant Revolut app. - Legitimate interests (to develop our products and services and to be e ffi cient in meeting our obligations) - Consent (to access information held on your phone, for example, contacts in your contacts list, to track you when you have location services switched on) Providing location-based services If you turn location services on in the relevant Revolut app, we use your personal data to: - provide you with products and services - Keeping to contracts and agreements between you and us - Legitimate interests (to develop and market our products and keep to regulations that apply to us) - provide relevant advertising to you (for example, information about nearby merchants) - protect against fraud - Consent (to track you when you have location services switched on) Preparing anonymous statistical datasets We prepare anonymous statistical datasets about our customers' spending patterns: - for forecasting purposes - to understand how customers use Revolut - to comply with governmental requirements and requests These datasets may be shared internally or externally with others, including non-Revolut companies. | 60 | For example, if you give us permission, we'll use the contacts list on your phone so you can easily make payments to, or message, your contacts using the relevant Revolut app. |
| 61 | We also use this data to identify if your contacts are users of third party payment schemes that Revolut participates in so you can make peer-to-peer transfers to them. - Legitimate interests (to develop our products and services and to be e ffi cient in meeting our obligations) - Consent (to access information held on your phone, for example, contacts in your contacts list) Providing location-based services If you turn location services on in the relevant Revolut app, we use your personal data to: - provide you with products and services - provide relevant advertising to you (for example, information about nearby merchants) - protect against fraud - Keeping to contracts and agreements between you and us - Legitimate interests (to develop and market our products and keep to regulations that apply to us) - Consent (to track you when you have location services switched on) Preparing anonymous statistical datasets We prepare anonymous statistical datasets about our customers' spending patterns: - for forecasting purposes - to understand how customers use Revolut - to comply with governmental requirements and requests These datasets may be shared internally or externally with others, including non-Revolut companies. | ||
| 56 | Anonymous statistical data cannot be linked back to you as an individual. | 64 | Anonymous statistical data cannot be linked back to you as an individual. - Legitimate interests (to conduct research and analysis, including to produce statistical research and reports) - Legal obligations For example, some countries have laws that require us to report spending statistics and how money enters or leaves each country. |
| 57 | For example, some countries have laws that require us to report spending statistics and how money enters or leaves each country. | — | Removed |
| 61 | It will not be possible to identify any individual Revolut customer. - Legitimate interests (to conduct research and analysis, including to produce statistical research and reports) - Legal obligations Improving our products and services We use your personal data to: understand how our customers are using our products and services. | 68 | It will not be possible to identify any individual Revolut customer. |
| 62 | For example, we might check how you use our apps to see if your salary is paid into your Revolut account help us develop and improve our current products and services. | 69 | Improving our products and services We use your personal data to: - understand how our customers are using our products and services. |
| 63 | For example, we may include you in a focus group to test and develop new products because we think you will be interested based on how you spend or use other Revolut products. | 70 | For example, we might check how you use our apps to see if your salary is paid into your Revolut account - help us develop and improve our current products and services. |
| 64 | This allows us to continue to provide products and services that our customers want to use. - Legitimate interests (to understand how customers use our products so we can develop new products and improve the products we currently provide) Meeting our legal obligations, enforcing our rights, protecting our business, and other legal uses We use your personal data: - to share it with other organizations (for example, government authorities, law enforcement authorities, tax authorities, fraud prevention agencies) - to send you service messages about your Revolut account (for example, updates to your account's terms and conditions or tips on how to protect yourself from the latest scams) - to recover taxes or debts from you (for example, where you hold a credit product with us or have a negative balance in your account) - Legitimate interests (for example, to protect Revolut during a legal dispute or send you anti-fraud communications) - Legal obligations - if this is necessary to meet our legal or regulatory obligations - to protect ourselves, including our rights, property, personnel or products - to enforce our rights we have under any agreement with you - to help prevent and fi ght harmful or unlawful behaviour and spam communications (in line with Revolut's Community Standards) - in connection with legal claims - to help detect or prevent crime You can fi nd out more in the Do you share my personal data with anyone else? section below. | 71 | For example, we may include you in a focus group to test and develop new products because we think you will be interested based on how you spend or use other Revolut products. - develop, train and test our internal models. |
| 72 | This helps us ensure our decisions are accurate, fair and effective - show you only the products you are eligible for so you don't see options that aren't relevant to you[This allows us to continue to provide products and services that our customers want to use. - Legitimate interests (to understand how customers use our products so we can develop new products, improve the products we currently provide, and promote responsible use of our products) Meeting our legal obligations, enforcing our rights, protecting our business, and other legal uses We use your personal data: - to share it with other organizations (for example, government authorities, law enforcement authorities, tax authorities, fraud prevention agencies) - to share information with emergency services if we believe there is an immediate risk to your life or the life of another person - to send you service messages about your Revolut account (for example, updates to your Revolut account's terms and conditions or tips on how to protect yourself from the latest scams) - to recover taxes or debts from you (for example, where you hold a credit product with us or have a negative balance in your Revolut account). | ||
| 73 | This may include pro fi ling you to personalize the content and tone of our debt collection communications - to monitor our risk exposure (for example, collecting fl ight itinerary data to manage the risk of cancellations when providing Revolut Pay services to travel merchants) - if this is necessary to meet our legal or regulatory obligations - to protect ourselves, including our rights, property, personnel or products - Legitimate interests (for example, to protect Revolut during a legal dispute or send you anti-fraud communications) - Legal obligations - Vital interests (to protect your life or the life of another person in an emergency) - to enforce our rights we have under any agreement with you - to help prevent and fi ght harmful or unlawful behavior and spam communications (in line with Revolut's Community Standards) - in connection with legal claims - to help detect or prevent crime You can fi nd out more in the Do you share my personal data with anyone else? section below. | ||
| 66 | For example, we might ask you to explain: - your relationship with a joint account holder or somebody who pays money into your Revolut account - how somebody got the money in the fi rst place to pay it into your Revolut account 6. | 75 | For example, we might ask you to explain: - your relationship with a joint account holder or somebody who pays money into your Revolut account - how somebody got the money in the fi rst place to pay it into your Revolut account Understanding if you need extra support We use your personal data to help us identify if you may need extra assistance. |
| 76 | You can let us know if you need help, or we may analyze your behavior in the Revolut app, customer support chats, and transactions. | ||
| 77 | For instance, we try to spot signs of vulnerability so we can offer better support. - Substantial public interest (if we process your sensitive personal data to keep to legal requirements that apply to us or to safeguard the economic well-being of certain individuals) - Consent (where we are required to collect your consent by law. | ||
| 78 | For example, in some countries, we need your permission to record your vulnerability status) - Legitimate interests (to decide whether to refer you for speci fi c enhanced support if you are a vulnerable customer) 6. | ||
| 76 | For example, we may make automated decisions about you that relate to: Determining credit eligibility: - assessing whether you are eligible to apply for a credit product Approving credit applications: - credit and affordability checks to see whether we can accept your credit application - setting credit limits Monitoring credit agreements: - assessing how you're repaying any credit product you hold with us - amending your credit limit - terminating your credit agreement Opening accounts: - KYC, anti-money laundering and sanctions checks - identity and address checks Detecting fraud: - monitoring your account to detect fraud and fi nancial crime Our legal basis is one or more of the following: - keeping to contracts and agreements between you and us - legal obligations - legitimate interests (to develop and improve how we deal with fi nancial crime and meet our legal responsibilities) - consent (where we are required to collect your consent by law) 7. | 88 | For example, we may make automated decisions about you that relate to: Determining credit eligibility: - assessing whether you are eligible to apply for a credit product Approving credit applications: - credit and affordability checks to see whether we can accept your credit application - setting credit limits Monitoring credit agreements: - assessing how you're repaying any credit product you hold with us - amending your credit limit - terminating your credit agreement Opening accounts: - KYC, anti-money laundering and sanctions checks - identity and address checks Detecting fraud: - monitoring your Revolut account to detect fraud and fi nancial crime Restricting or closing accounts: - deciding, or helping to decide, whether to lock, restrict, or close your Revolut account if we detect fraud, fi nancial crime or a breach of our Personal Terms (or other relevant terms and conditions) Our legal basis is one or more of the following: - keeping to contracts and agreements between you and us - legal obligations - legitimate interests (to develop and improve how we deal with fi nancial crime and meet our legal responsibilities) - consent (where we are required to collect your consent by law) 7. |
| 80 | We'll also share your personal data with credit reference agencies (or other providers of credit information) to: - con fi rm details you have provided when you apply for products or services - make an assessment about whether to accept your credit application - determine an appropriate credit limit for you When you enter into a credit agreement with us, we may continue sharing information with credit reference agencies or other providers of credit information (for example, information about your repayments and whether you repay in full or on time). | 92 | We also use our own internal models to assess your application. |
| 93 | These models process standard fi nancial and credit reference agency information. | ||
| 94 | They may also process additional information such as your pro fi le data, device, and app usage data and data about your Revolut connections (which we use for fraud prevention purposes). | ||
| 95 | We'll also share your personal data with credit reference agencies (or other providers of credit information) to: - con fi rm details you have provided when you apply for products or services - make an assessment about whether to accept your credit application - determine an appropriate credit limit for you If your application is unsuccessful, we will keep your application data for fraud prevention purposes. | ||
| 96 | When you enter into a credit agreement with us, we may continue sharing information with credit reference agencies or other providers of credit information (for example, information about your repayments and whether you repay in full or on time). | ||
| 97 | In addition, where permitted by local laws, we may carry out additional credit checks on you from time to time to make sure that your fi nancial situation hasn't changed over the course of the year. | ||
| 98 | In some cases, we may use this information to offer you different credit products or improved terms (for example, an increased credit limit). | ||
| 99 | If you are a vulnerable customer, we may contact you directly when you apply for a credit product. | ||
| 100 | This is to make sure that we are offering you an appropriate credit product. | ||
| 83 | Our legal basis is one or more of the following: - consent (where we are required to collect your consent by law) - legal obligations - keeping to contracts and agreements between you and us (where you take out a credit product with us) 8. | 103 | Our legal basis is one or more of the following: - legitimate interests (to assess your eligibility for a credit product and ensure it is suitable for you) - consent (where we are required to collect your consent by law) - legal obligations - keeping to contracts and agreements between you and us (where you take out a credit product with us) 8. |
| 109 | We may use generative arti fi cial intelligence technology to help us select and personalize the most relevant content for you. | ||
| 92 | If you do not want to receive personalised marketing messages, and opt out from receiving them, you will not receive any marketing communications. | 113 | If you do not want to receive personalized marketing messages, and opt out from receiving them, you will not receive any marketing communications. |
| 98 | Your right What it means You have the right to be told how we use your personal data We provide this privacy policy to explain how we use your personal data. | 119 | Your right What it means You have the right to be told how we use your personal data We explain how we use your personal data in: ✓ this privacy notice ✓ standalone notices we provide for speci fi c products and processes ✓ through 'just in time' in-app noti fi cations You have the right to ask us for a copy of your personal data If you ask, we'll provide a copy of the personal data we hold about you. |
| 99 | You have the right to ask us for a copy of your personal data If you ask, we'll provide a copy of the personal data we hold about you. | — | Removed |
| 128 | Revolut group companies We share your personal data within the Revolut group of companies to: - provide you with the best service - protect you, other customers and our systems from fraud or harmful behaviour - facilitate you quickly signing up to use other Revolut products or services - improve existing, or develop new, products or services - send you information about Revolut products and services we think you'll be interested in hearing about. | 148 | Revolut group companies We share your personal data within the Revolut group of companies to: - provide you with the best service - protect you, other customers and our systems from fraud or harmful behavior - facilitate you quickly signing up to use other Revolut products or services - improve existing, or develop new, products or services - send you information about Revolut products and services we think you'll be interested in hearing about. |
| 162 | If you send RevPoints to another Revolut customer, we will share your details (such as your name) with them so that they know who the transfer is from. | ||
| 147 | This includes banking and lending partners, banking intermediaries and international payment service providers Identity veri fi cation and KYC service providers To help us verify your identity so we can provide services to you Card manufacturing, personalisation and delivery companies To create and deliver your personalised Revolut card Analytics providers and search information providers To help us improve our website or app Customer-service providers, survey providers and developers To help us to provide our services to you Communications services providers To help us send you emails, push noti fi cations and text messages Debt collection agencies To manage and recover debts that you owe or may end up owing (including if you have a Revolut credit product) Partners who help to provide our services We may share your personal data with our partners to provide certain services you've asked us for, as well as to make sure you, or our partner, get any reward that has been promised (for example, if you make a purchase with a partner, we will share limited information about you to make sure you get the right award or cashback and/or the partner gets a promised payment). | 168 | This includes banking and lending partners, banking intermediaries and international payment service providers In particular, we share your personal data (including your name, contact details, and card details) with Visa and Mastercard so you can use the 'Click to Pay' service. |
| 148 | We'll only share your personal data in this way if you've made a qualifying purchase, asked for the relevant service, or if it's provided as part of our membership plans. | 169 | For more information, see: Mastercard's Click to Pay Privacy Notice (for Mastercard cardholders) our Click to Pay Cardholder Notice (Visa) (for Visa cardholders) Identity veri fi cation and KYC service providers To help us verify your identity so we can provide services to you Card manufacturing, personalization and delivery companies To create and deliver your personalized Revolut card Analytics providers and search information providers To help us improve our website or app Customer-service providers, survey providers and developers To help us to provide our services to you Communications services providers To help us send you emails, push noti fi cations and text messages Debt collection agencies To manage and recover debts that you owe or may end up owing (including if you have a Revolut credit product) Partners who help to provide our services We may share your personal data with our partners to: - provide certain services you've asked us for - help you if you have a question or complaint about a product or service they provide - make sure you, or our partner gets any reward that has been promised (for example, if you make a purchase with a partner, we will share limited information about you to make sure you get the right award or cashback and/or the partner gets a promised payment). - test if a new product or partnership is viable (we only share limited data for a short time for these trials) - allow tax relief claims when you use our Donations feature (we may share your personal data with the registered charity for this purpose) - measure how well their ads perform (we share data that doesn't directly identify you with Shops and RevPoints merchants for this purpose) From time to time, we may work with other partners to offer you co-branded services or promotional offers, and we'll share some of your personal data with those partners. |
| 149 | From time to time, we may work with other partners to offer you co-branded services or promotional offers, and we'll share some of your personal data with those partners. | — | Removed |
| 151 | We'll only provide you with tailored offers from third party brands in a Revolut app where you've speci fi cally asked us to. | 171 | If you choose to use RevPoints, we will provide you with tailored offers from third party brands in-app. |
| 152 | You can read more about this in our Tailored Ads Privacy Notice. | 172 | You can read more about this in our RevPoints Privacy Notice. |
| 155 | We may also share your personal data with other fi nancial institutions, or Revolut customers, where you do not ask us to. | 175 | We may also share your personal data with other fi nancial institutions, where you do not ask us to. |
| 176 | For example, if a payment is made to your Revolut account by mistake, we can share your information with the fi nancial institution. | ||
| 177 | This will help the fi nancial institution to try and get the payment back themselves. | ||
| 158 | Other third parties We may share your personal data with other third parties where necessary to facilitate you receiving payments to your Revolut account. | 180 | Other third parties We may share your personal data with other third parties where necessary to: - facilitate you receiving payments to your Revolut account. - progress a complaint you have made (for example, sharing data with a merchant regarding a charging dispute) For legal reasons We also share your personal data with other fi nancial institutions, fi nancial services companies, insurance providers, government authorities, law enforcement authorities, emergency services, tax authorities, companies and fraud prevention agencies to check your identity, investigate, or protect against suspected fraud, keep to tax laws, anti-money laundering laws, or any other laws and con fi rm that you're eligible to use our products and services. |
| 159 | For legal reasons We also share your personal data with other fi nancial institutions, fi nancial services companies, insurance providers, government authorities, law enforcement authorities, tax authorities, companies and fraud prevention agencies to check your identity, investigate, or protect against suspected fraud, keep to tax laws, anti-money laundering laws, or any other laws and con fi rm that you're eligible to use our products and services. | — | Removed |
| 161 | We may also need to share your personal data with other third party organizations or authorities: - if we have to do so under any law or regulation - if we sell our business or credit portfolio - in connection with criminal or fraud investigations - to enforce our rights (and those of customers or others) - in connection with legal claims. | 182 | We may also need to share your personal data with other third party organizations or authorities: - if we have to do so under any law or regulation - if we sell our business or credit portfolio - in connection with criminal or fraud investigations - to enforce our rights (and those of customers or others) - in connection with legal claims - to protect your vital interests or those of another person (for example, in a medical emergency) Social media and advertising companies When we use social media for marketing purposes, your personal data (limited to only your name, email address and app events) may be shared with the social media platforms so that they can check if you also hold an account with them. |
| 162 | Social media and advertising companies When we use social media for marketing purposes, your personal data (limited to only your name, email address and app events) may be shared with the social media platforms so that they can check if you also hold an account with them. | — | Removed |
| 194 | When you use our public services, which includes our social network accounts and the Revolut Community forum, do not share any personal data that you don't want to be seen, collected or used by other customers, as this personal data will become publicly available. 14. | 214 | When you use our public services, which includes our social network accounts, do not share any personal data that you don't want to be seen, collected or used by other customers, as this personal data will become publicly available. 14. |
| 196 | We will keep your personal data: - for as long as necessary to achieve the original purpose we collected it for - in line with relevant laws We are required to keep certain personal data for speci fi ed time periods by KYC, and anti-money laundering laws. | 216 | We will keep your personal data: - for as long as necessary to achieve the original purpose we collected it for - where we have a legitimate interest in doing so (for example, to manage our business risks or to defend legal claims) - in line with relevant laws We are required to keep certain personal data for speci fi ed time periods by KYC, and anti-money laundering laws. |
| 202 | We use cookies to analyse how you use our website. | 222 | We use cookies to analyze how you use our website. |
| 253 | The table below explains what personal data we collect, share, disclose, and use and provide further explanation on the above categories: Type of personal data Details Information you give us We collect information you provide when you: ✓ fill in any forms ✓ correspond with us ✓ respond to any of our surveys ✓ register to use the relevant Revolut app ✓ register, or approve a registration for, a child to use the Revolut–Kids & Teens app ✓ open an account or use any of our services ✓ give us access to your other financial accounts ✓ take part in online discussions or promotions ✓ speak with a member of our social media or customer support teams (either on the phone or through the relevant Revolut app) ✓ enter a competition, sweepstakes, or share information with us on social media ✓ contact us for other reasons We will collect the following information: ✓ your name, address, social security number, and date of birth ✓ your email address, phone number and details of the device you use (for example, your phone, computer or tablet) ✓ your Revolut username which is known as your 'Revtag' (this is random and is automatically assigned to you when you first join but you will be able to change it) ✓ your registration information ✓ details of your bank account, including the account number, sort code and ABA routing number or SWIFT code ✓ details of your Revolut debit cards and credit cards (or other debit or credit cards you have registered with us) including the card number, expiry date and CVC (the last three digits of the number on the back of the card) ✓ copies of your identification documents (for example, your passport or driver's license) and any other information you provide to prove you are eligible to use our services ✓ your country of residence, tax residency information, and tax identification number ✓ information you provide when you apply for credit, including details about your, or your spouse's, income and financial obligations ✓ information you provide when you sign up for wealth and trading products, including details about your employment and salary ✓ information about any existing accounts or holdings you hold with other companies that you want to transfer to Revolut ✓ information you provide when you register or approve your children to use Revolut–Kids & Teens ✓ records of our discussions, if you contact us or we contact you (including records of phone calls) ✓ your image in photo or video form, and facial scan data extracted from your photo or video (known as 'biometric data'), to verify your identity during onboarding (where required as part of our Know-Your-Customer (KYC) checks, to authenticate you as an authorized user of our services, or to detect and prevent fraud to verify your identity if you contact us when logged out of your Revolut account, or where you upload a photo to your Revolut account) ✓ information about other people (such as a joint account holder, your spouse or family) when we ask you to give us this information to enable us to comply with our obligations under KYC, anti-money laundering laws and other laws to assist with fraud monitoring If you give us personal data about other people (such as a joint account holder, your spouse or family), or you ask us to share their personal data with third parties, you con fi rm that you have brought this policy to their attention beforehand. | 273 | The table below explains what personal data we collect, share, disclose, and use and provide further explanation on the above categories: Type of personal data Details Information you give us We collect information you provide when you: ✓ fill in any forms ✓ correspond with us ✓ respond to any of our surveys ✓ register to use the relevant Revolut app ✓ register, or approve a registration for, a child to use the Revolut–Kids & Teens app ✓ open an account or use any of our services ✓ give us access to your other financial accounts ✓ take part in online discussions or promotions ✓ speak with a member of our social media or customer support teams (either on the phone or through the relevant Revolut app) ✓ enter a competition, sweepstakes, or share information with us on social media ✓ contact us for other reasons We will collect the following information: ✓ your name, address, place of birth, social security number, date of birth, and citizenship ✓ your email address, phone number and details of the device you use (for example, your phone, computer or tablet) ✓ trusted locations you have identi fi ed for security purposes (such as your home or work to use Street Mode) ✓ your Revolut username which is known as your 'Revtag' (this is random and is automatically assigned to you when you first join but you will be able to change it) ✓ your registration information ✓ details of your bank account, including the account number, sort code and ABA routing number or SWIFT code ✓ details of your Revolut debit cards and credit cards (or other debit or credit cards you have registered with us) including the card number, expiry date, CVC (the last three digits of the number on the back of the card), and any of your personalized QR payment codes ✓ copies of your identification documents (for example, your passport or driver's license) and any other information you provide to prove you are eligible to use our services ✓ your country of residence, tax residency information, and tax identification number ✓ information you provide when you apply for credit, including details about your, or your spouse's, income and financial obligations ✓ information you provide when you sign up for wealth and trading products, including details about your employment and salary ✓ information about any existing accounts or holdings you hold with other companies that you want to transfer to Revolut ✓ information you provide when you register or approve your children to use Revolut–Kids & Teens ✓ records of our discussions, if you contact us or we contact you (including records of phone calls) ✓ your image in photo or video form, and facial scan data (known as 'biometric data'), or voice data, extracted from your photo or video, to verify your identity during onboarding (where required as part of our Know-Your-Customer (KYC) checks, to authenticate you as an authorized user of our services, or to detect and prevent fraud to verify your identity if you contact us when logged out of your Revolut account, or where you upload a photo to your Revolut account) ✓ information about other people (such as a joint account holder, your spouse or family) when we ask you to give us this information to enable us to comply with our obligations under KYC, anti-money laundering laws and other laws to assist with fraud monitoring If you give us personal data about other people (such as a joint account holder, your spouse or family), or you ask us to share their personal data with third parties, you con fi rm that you have brought this policy to their attention beforehand. |
| 254 | Information collected from your use of our products and services Whenever you use our website or the Revolut apps, we collect the following information: ✓ technical information, including the internet protocol (IP) address used to connect your computer to the internet, your login information, the browser type and version, the time zone setting, device language, the operating system and platform, the type of device you use, whether your device uses a virtual private network (VPN), a unique device identifier (for example, your device's IMEI number, the MAC address of the device's wireless network interface, or the mobile phone number used by the device), mobile network information, your mobile operating system and the type of mobile browser you use ✓ information about your visit, including the links you've clicked on, through and from our website or apps (including date and time), services you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling and clicks), and methods used to browse away from the page ✓ information on transactions and your use of Revolut products (for example, payments into and out of your account), including the date, time, amount, currencies, exchange rate, beneficiary details, details of the merchant or ATMs associated with the transaction (including merchants' and ATMs' locations), IP address of sender and receiver, sender's and receiver's name and registration information, messages sent or received, details of device used to arrange the payment and the payment method used. | 274 | Information collected from your use of our products and services Whenever you use our website or the Revolut apps, we collect the following information: ✓ technical information, including the internet protocol (IP) address used to connect your computer to the internet, your login information, the browser type and version, the time zone setting, device language, the operating system and platform, the type of device you use, whether your device uses a virtual private network (VPN), a unique device identifier (for example, your device's IMEI number, eSIM ICCID, eSIM matching ID, the MAC address of the device's wireless network interface, or the mobile phone number used by the device), mobile network information, your mobile operating system and the type of mobile browser you use ✓ information about your visit, including the links you've clicked on, through and from our website or apps (including date and time), services you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling and clicks), and methods used to browse away from the page ✓ information on transactions and your use of Revolut products (for example, payments into and out of your Revolut account), including the date, time, amount, currencies, exchange rate, beneficiary details, details of the merchant or ATMs associated with the transaction (including merchants' and ATMs' locations), IP address of sender and receiver, sender's and receiver's name and registration information, messages sent or received, details of device used to arrange the payment and the payment method used. |
| 278 | Information we infer or create about you We create new data about you by analysing the information we already have. | ||
| 279 | This includes: ✓ pro fi les based on your spending behavior and interests (to personalize our services and marketing) ✓ risk scores (such as credit or fraud risk scores) based on your transaction history and application details ✓ predictions about your likely fi nancial needs or status We explain more in the following sections: ● Do you make automated decisions about me? ● Do you run credit checks on me? ● How do you use my personal data for marketing? | ||
| 259 | Information from others We collect personal data from third parties or other people, such as credit reference agencies, fi nancial or credit institutions, price comparison websites, o ffi cial registers and databases, as well as joint account holders, fraud prevention agencies, other third parties providing fraud prevention services, and partners who help us to provide our services. | 281 | Information from others We collect personal data from third parties or other people, such as credit reference agencies, e-KYC providers, fi nancial or credit institutions, price comparison websites, o ffi cial registers and databases, as well as joint account holders, fraud prevention agencies, other third parties providing fraud prevention services, and partners who help us to provide our services. |
| 265 | Information from social media Occasionally, we'll use publicly available information about you from selected social media websites or apps to carry out enhanced due diligence checks. | 287 | Information from social media Occasionally, we'll use publicly available information about you from selected social media websites or apps to: ✓ carry out enhanced due diligence checks ✓ identify you for promotions (for example, by matching your RevTag if you post it publicly). |
| 270 | This may include facial scan data extracted from any photo or video you submit (known as 'biometric data'). | 292 | This may include facial scan data (known as 'biometric data'), or voice data, extracted from any photo or video you submit. |
| 271 | We do this to keep you and other Revolut customers safe by: - con fi rming you are who you say you are - preventing fraudsters getting access to your account - making sure you're not somebody we've previously told we cannot provide services to We will also check your identity at other times. | 293 | We do this to keep you and other Revolut customers safe by: - con fi rming you are who you say you are - preventing fraudsters getting access to your Revolut account - making sure you're not somebody we've previously told we cannot provide services to We will also check your identity at other times. |
| 272 | For example, if you register a new device to access your Revolut account or try to chat with customer support while not logged in, we'll need to verify that it's really you. - Legal obligations - Substantial public interest - Consent (where we are required to collect your consent by law) Providing our services Whenever you apply for or use a Revolut product or service, we'll use your personal data to: - Keeping to contracts and agreements between you and us - Legitimate interests (we need to be e ffi cient about how we meet our obligations and we want to decide whether or not to approve your application meet our contractual and legal obligations relating to any products or services you use (for example, making payments into and out of your Revolut account, withdrawing cash or making payments with your Revolut card) help you understand your spending behavior, how you use Revolut products and services, and to help you save money (for example, by providing you with product usage and spending insights) provide you with customer support services. | 294 | (for example, if your identi fi cation documents expire and we need you to update them). |
| 273 | We may record and monitor any communications between you and us, including phone calls, to maintain appropriate records, check your instructions, analyze, assess and improve our services, and for training and quality control purposes provide you with good products and services) - Legal obligations - Consent (where we are required to collect your consent by law) Protecting against fraud We use your personal data to check your address and identity, protect against fraud, keep to fi nancial crime laws and to con fi rm that you're eligible to use our services. | 295 | If you register a new device to access your Revolut account or try to chat with customer support while not logged in, we'll also need to verify that it's really you. - Legal obligations - Substantial public interest - Consent (where we are required to collect your consent by law) - Legitimate interests (to ensure we do not provide services to customers who have previously breached our Personal Terms) Providing our services Whenever you apply for or use a Revolut product or service, we'll use your personal data to: - decide whether or not to approve your application - meet our contractual and legal obligations relating to any products or services you use (for example, making - Keeping to contracts and agreements between you and us - Legitimate interests (we need to be e ffi cient about how we meet our obligations and we want to provide you with good products and services) payments into and out of your Revolut account, withdrawing cash or making payments with your Revolut card) - enable any Payment Links relating to your Revolut account (including processing personal data of non-Revolut customers) to facilitate payments to or from your account - carry out con fi rmation of payee checks (where we con fi rm the name of the recipient to the payer) to ensure payments are sent to the correct person - help you understand your spending behavior, how you use Revolut products and services, and to help you save money (for example, by providing you with product usage and spending insights) - provide you with customer support services. |
| 296 | We may record and monitor any communications between you and us, including phone calls, to maintain appropriate records, check your instructions, analyze, assess and improve our services, and for training and quality control purposes - Consent (where we are required to collect your consent by law) Protecting against fraud We use your personal data to check your address and identity, protect against fraud, keep to fi nancial crime laws and to con fi rm that you're eligible to use our services. | ||
| 280 | Remember, you can ask us to stop sending you marketing information by adjusting your marketing choices (the How do you use my personal data for marketing? section below explains how to do this). - Legitimate interests (to send direct marketing, ensure our direct marketing is relevant to your interests, develop our products and services, and to be e ffi cient about how we meet our legal and contractual duties) - Consent (where we're legally required to get your consent to send you direct marketing about our products or services, or partners' promotions or offers, or for you to receive marketing from other organizations) To keep our services up and running We use your personal data to manage our website and the relevant Revolut app, (including troubleshooting, data analysis, - Keeping to contracts and agreements between you and us testing, research, statistical and survey purposes), and to make sure that content is presented in the most effective way for you and your device. | 303 | Remember, you can ask us to stop sending you marketing information by adjusting your marketing choices (the How do - Legitimate interests (to send direct marketing, ensure our direct marketing is relevant to your interests, develop our products and services, and to be e ffi cient about how we meet our legal and contractual duties) - you use my personal data for marketing? section below explains how to do this). |
| 281 | We also use your personal data to: authenticate you as an authorized user of our services when necessary (for example, verify your identity if you contact our customer support or social media teams) allow you to take part in interactive features of our services tell you about changes to our services help keep our website and the relevant Revolut app safe and secure - Legitimate interests (to be e ffi cient about how we meet our obligations and keep to regulations that apply to us and to present content as effectively as possible for you) - Consent (where required by law) Helping with social interactions We use your personal data to help with social interactions through our services, or to add extra functions to provide a better experience. | 304 | To keep our services up and running We use your personal data to manage our website and the relevant Revolut app, (including troubleshooting, data analysis, testing, research, statistical and survey purposes), and to make sure that content is presented in the most effective way for you and your device. |
| 282 | For example, if you give us permission, we'll use the contacts list on your phone so you can easily make payments to, or message, your contacts using the relevant Revolut app. - Legitimate interests (to develop our products and services and to be e ffi cient in meeting our obligations) - Consent (to access information held on your phone, for example, contacts in your contacts list, to track you when you have location services switched on) Providing location-based services If you turn location services on in the relevant Revolut app, we use your personal data to: provide you with products and services provide relevant advertising to you (for example, information about nearby merchants) protect against fraud - Keeping to contracts and agreements between you and us - Legitimate interests (to develop and market our products and keep to regulations that apply to us) - Consent (to track you when you have location services switched on) Preparing anonymous statistical datasets We prepare anonymous statistical datasets about our customers' spending patterns: for forecasting purposes to understand how customers use Revolut to comply with governmental requirements and requests These datasets may be shared internally or externally with others, including non-Revolut companies. | 305 | We also use your personal data to: authenticate you as an authorized user of our services when necessary (for example, verify your identity if you contact our customer support or social media teams) allow you to take part in interactive features of our services tell you about changes to our services help keep our website and the relevant Revolut app safe and secure - Keeping to contracts and agreements between you and us - Legitimate interests (to be e ffi cient about how we meet our obligations, keep to regulations that apply to us, and to present content as effectively as possible for you) - Consent (where required by law) Helping with social interactions We use your personal data to help with social interactions through our services, or to add extra functions to provide a better experience. |
| 306 | For example, if you give us permission, we'll use the contacts list on your phone so you can easily make payments to, or message, your contacts using the relevant Revolut app. | ||
| 307 | We also use this data to identify if your contacts are users of third party payment schemes that Revolut participates in so you can make peer-to-peer transfers to them. - Legitimate interests (to develop our products and services and to be e ffi cient in meeting our obligations) - Consent (to access information held on your phone, for example, contacts in your contacts list) Providing location-based services If you turn location services on in the relevant Revolut app, we use your personal data to: provide you with products and services provide relevant advertising to you (for example, information about nearby merchants) protect against fraud - Keeping to contracts and agreements between you and us - Legitimate interests (to develop and market our products and keep to regulations that apply to us) - Consent (to track you when you have location services switched on) Preparing anonymous statistical datasets We prepare anonymous statistical datasets about our customers' spending patterns: for forecasting purposes to understand how customers use Revolut to comply with governmental requirements and requests These datasets may be shared internally or externally with others, including non-Revolut companies. | ||
| 284 | The information used and shared in this way is never personal data and you will never be identi fi able from it. | 309 | The information used and shared in this way is never personal data and you will never be identi fi report spending statistics and how money enters or leaves each country. |
| 285 | Anonymous statistical data cannot be linked back to you as an individual. | — | Removed |
| 286 | For example, some countries have laws that require us to report spending statistics and how money enters or leaves each country. | — | Removed |
| 290 | It will not be possible to identify any individual Revolut customer. - Legitimate interests (to conduct research and analysis, including to produce statistical research and reports) - Legal obligations Improving our products and services We use your personal data to: understand how our customers are using our products and services. | 313 | It will not be possible to identify any individual Revolut customer. |
| 291 | For example, we might check how you use our apps to see if your salary is paid into your Revolut account help us develop and improve our current products and services. | 314 | Improving our products and services We use your personal data to: - understand how our customers are using our products and services. |
| 292 | For example, we may include you in a focus group to test and develop new products because we think you will be interested based on how you spend or use other Revolut products. - Legitimate interests (to understand how customers use our products so we can develop new products and improve the products we currently provide) Meeting our legal obligations, enforcing our rights, protecting our business, and other legal uses We use your personal data: to share it with other organizations (for example, government authorities, law enforcement authorities, tax authorities, fraud prevention agencies) to send you service messages about your Revolut account (for example, updates to your account's terms and conditions or tips on how to protect yourself from the latest scams) to recover debts from you (for example, where you hold a credit product with us or have a negative balance in your account) if this is necessary to meet our legal or regulatory obligations to protect ourselves, including our rights, property, personnel or products to enforce our rights we have under any agreement with you to help prevent and fi ght harmful or unlawful behaviour and spam communications (in line with Revolut's Community Standards) in connection with legal claims to help detect or prevent crime You can fi nd out more in the Do you share my personal data with anyone else? section below. | 315 | For example, we might check how you use our apps to see if your salary is paid into your Revolut account - help us develop and improve our current products and services. |
| 316 | For example, we may include you in a focus group to test and develop new products because we think you will be interested based on how you spend or use other Revolut products - develop, train and test our internal models. | ||
| 317 | This helps us ensure our decisions are accurate, fair and effective - show you only the products you are eligible for so you don't see options that aren't relevant to you This allows us to continue to provide products and services that our customers want to use. - Legitimate interests (to understand how customers use our products so we can develop new products improve the products we currently provide, and promote responsible use of our products) Meeting our legal obligations, enforcing our rights, protecting our business, and other legal uses We use your personal data: - to share it with other organizations (for example, government authorities, law enforcement authorities, tax authorities, fraud prevention agencies) - to share information with emergency services if we believe there is an immediate risk to your life or the life of another person - to send you service messages about your Revolut account (for example, updates to your Revolut account's terms and conditions or tips on how to protect yourself from the latest scams) - to recover debts from you (for example, where you hold a credit product with us or have a negative balance in your Revolut account). | ||
| 318 | This may include pro fi ling you to personalize the content and tone of our debt collection communications - to monitor our risk exposure (for example, collecting fl ight itinerary data to manage the risk of cancellations when providing Revolut Pay services to travel merchants) - if this is necessary to meet our legal or regulatory obligations - to protect ourselves, including our rights, property, personnel or products - Legitimate interests (for example, to protect Revolut during a legal dispute or send you anti-fraud communications) - Legal obligations - to enforce our rights we have under any agreement with you - to help prevent and fi ght harmful or unlawful behavior and spam communications (in line with Revolut's Community Standards) - in connection with legal claims - to help detect or prevent crime You can fi nd out more in the Do you share my personal data with anyone else? section below. | ||
| 294 | For example, we might ask you to explain: your relationship with a joint account holder or somebody who pays money into your Revolut account how somebody got the money in the fi rst place to pay it into your Revolut account - Legitimate interests (for example, to protect Revolut during a legal dispute or send you anti-fraud communications) - Legal obligations Sometimes, we help you to provide services to customers. | 320 | For example, we might ask you to explain: - your relationship with a joint account holder or somebody who pays money into your Revolut account - how somebody got the money in the fi rst place to pay it into your Revolut account Understanding if you need extra support We use your personal data to help us identify if you may need extra assistance. |
| 321 | You can let us know if you need help, or we may analyze your behavior in the relevant Revolut app, customer support chats, and transactions. | ||
| 322 | For instance, we try to spot signs of vulnerability so we can offer better support. | ||
| 323 | In some countries, it's a legal requirement for us to proactively identify and assist vulnerable customers. - Substantial public interest (if we process your sensitive personal data to keep to legal requirements that apply to us or to safeguard the economic well-being of certain individuals) - Consent (where we are required to collect your consent by law. | ||
| 324 | For example, in some countries, we need your permission to record your vulnerability status) - Legitimate interests (to decide whether to refer you for speci fi c enhanced support if you are a vulnerable customer) Sometimes, we help you to provide services to customers. | ||
| 299 | Revolut group companies We share your personal data within the Revolut group of companies to: - provide you with the best service - send you information about Revolut products and services we think you'll be interested in hearing about. - protect you, other customers and our systems from fraud or harmful behaviour - facilitate you quickly signing up to use other Revolut products or services - improve existing, or develop new, products or services Other Revolut customers We'll ask you to let us sync your mobile phone contacts. | 329 | Revolut group companies We share your personal data within the Revolut group of companies to: - provide you with the best service - send you information about Revolut products and services we think you'll be interested in hearing about. - protect you, other customers and our systems from fraud or harmful behavior - facilitate you quickly signing up to use other Revolut products or services - improve existing, or develop new, products or services Other Revolut customers We'll ask you to let us sync your mobile phone contacts. |
| 342 | If you send RevPoints to another Revolut customer, we will share your details (such as your name) with them so that they know who the transfer is from. | ||
| 317 | This includes banking and lending partners, banking intermediaries and international payment service providers Identity veri fi cation and KYC service providers To help us verify your identity so we can provide services to you Card manufacturing, personalisation and delivery companies To create and deliver your personalised Revolut card Analytics providers and search information providers To help us improve our website or apps Customer-service providers, survey providers and developers To help us to provide our services to you Communications services providers To help us send you emails, push noti fi cations and text messages Debt collection agencies To manage and recover debts that you owe or may end up owing (including if you have a Revolut credit product) Partners who help to provide our services We may share your personal data with our partners to provide certain services you've asked us for, as well as to make sure you, or our partner, get any reward that has been promised (for example, if you make a purchase with a partner, we will share limited information about you to make sure you get the right award or cashback and/or the partner gets a promised payment). | 348 | This includes banking and lending partners, banking intermediaries and international payment service providers In particular, we share your personal data (including your name, contact details, and card details) with f Visa and Mastercard so you can use the 'Click to Pay' service. |
| 318 | We'll only share your personal data in this way if you've made a qualifying purchase, asked for the relevant service, or if it's provided as part of our membership plans. | 349 | For more information, see: Mastercard's Click to Pay Privacy Notice (for Mastercard cardholders) our Click to Pay Cardholder Notice (Visa) (for Visa cardholders) Identity veri fi cation and KYC service providers To help us verify your identity so we can provide services to you Card manufacturing, personalisation and delivery companies To create and deliver your personalized Revolut card Analytics providers and search information providers To help us improve our website or apps Customer-service providers, survey providers and developers To help us to provide our services to you Communications services providers To help us send you emails, push noti fi cations and text messages Debt collection agencies To manage and recover debts that you owe or may end up owing (including if you have a Revolut credit product) Partners who help to provide our services We may share your personal data with our partners to: - provide certain services you've asked us for, as well as - help you if you have a question or complaint about a product or service they provide - to make sure you, or our partner, gets any reward that has been promised (for example, if you make a purchase with a partner, we will share limited information about you to make sure you get the right award or cashback and/or the partner gets a promised payment). - test if a new product or partnership is viable (we only share limited data for a short time for these trials) - allow tax relief claims when you use our Donations feature (we may share your personal data with the registered charity for this purpose) - measure how well their ads perform (we share data that doesn't directly identify you with Shops and RevPoints merchants for this purpose) From time to time, we may work with other partners to offer you co-branded services or promotional offers, and we'll share some of your personal data with those partners. |
| 319 | From time to time, we may work with other partners to offer you co-branded services or promotional offers, and we'll share some of your personal data with those partners. | — | Removed |
| 321 | We'll only provide you with tailored offers from third party brands in a Revolut app where you've speci fi cally asked us to. | 351 | If you choose to use RevPoints, we will provide you with tailored offers from third party brands in-app. |
| 322 | You can read more about this in our Tailored Ads Privacy Notice. | 352 | You can read more about this in our RevPoints Privacy Notice. |
| 328 | Other third parties We may share your personal data with other third parties where necessary to facilitate you receiving payments to your Revolut account. | 358 | Other third parties We may share your personal data with other third parties where necessary to: - facilitate you receiving payments to your Revolut account - progress a complaint you have made (for example, sharing data with a merchant regarding a charging dispute) For legal reasons We also share your personal data with other fi nancial institutions, fi nancial services companies, insurance providers, government authorities, law enforcement authorities, tax authorities, companies, and fraud prevention agencies to check your identity, investigate, or protect against suspected fraud, keep to tax laws, anti-money laundering laws, or any other laws and con fi rm that you're eligible to use our products and services. |
| 329 | For legal reasons We also share your personal data with other fi nancial institutions, fi nancial services companies, insurance providers, government authorities, law enforcement authorities, tax authorities, companies, and fraud prevention agencies to check your identity, investigate, or protect against suspected fraud, keep to tax laws, anti-money laundering laws, or any other laws and con fi rm that you're eligible to use our products and services. | — | Removed |
| 331 | We may also need to share your personal data with other third party organizations or authorities: - if we have to do so under any law or regulation - if we sell our business or credit portfolio - in connection with criminal or fraud investigations - to enforce our rights (and those of customers or others) - in connection with legal claims. | 360 | We may also need to share your personal data with other third party organizations or authorities: - if we have to do so under any law or regulation - if we sell our business or credit portfolio - in connection with criminal or fraud investigations - to enforce our rights (and those of customers or others) - in connection with legal claims - to protect your vital interests or those of another person (for example, in a medical emergency) Social media and advertising companies When we use social media for marketing purposes, your personal data (limited to only your name, email address, and app events) may be shared with the social media platforms so that they can check if you also hold an account with them. |
| 332 | Social media and advertising companies When we use social media for marketing purposes, your personal data (limited to only your name, email address, and app events) may be shared with the social media platforms so that they can check if you also hold an account with them. | — | Removed |
| 337 | You can also use the privacy settings in the relevant Revolut app to opt out from having your personal data shared in this way. | 365 | You can also use the privacy settings in the Revolut app to opt out from having your personal data shared in this way. |
| 340 | For example, you may authorize third parties to act on your behalf (such as a lawyer, accountant, or family member or guardian under a power of attorney). | 368 | For example, you may authorize third parties to act on your behalf (such as a lawyer, accountant, family member or guardian under a power of attorney). |
| 347 | We will keep your personal data: - for as long as necessary to achieve the original purpose we collected it for - in line with relevant laws We're required to keep certain personal data for speci fi ed time periods by KYC, and anti-money laundering laws. | 375 | We will keep your personal data: - for as long as necessary to achieve the original purpose we collected it for - where we have a legitimate interest in doing so (for example, to manage our business risks or to defend legal claims) - in line with relevant laws We're required to keep certain personal data for speci fi ed time periods by KYC, and anti-money laundering laws. |
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