Revolut uses automated systems to build a profile of you and make decisions about whether you can access products like credit or loans, without a human necessarily reviewing your individual case.
This analysis describes what Revolut's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Automated credit and fraud decisions can directly affect your access to financial products, and you have the legal right to request that a human reviews any decision that significantly affects you.
Interpretive note: The document states the use case at a high level; the full technical scope of automated profiling systems and the specific safeguards in place are not detailed in this notice, creating uncertainty about whether all UK GDPR Article 22 equivalent obligations are fully documented internally.
This provision means a computer algorithm may decide whether you are eligible for a Revolut credit product or flag your account for fraud without a human review, which could result in denial of services or account restrictions.
How other platforms handle this
California residents (and their households) have the right to request certain information about whether we collect, use, disclose and sell personal information about them, and to request to know the personal information that we have.
You can change these to "private" using the "Account Settings" page of the Public website or mobile app.
If you have opted-in for this kind of sharing of your Personal Information, then you may: (i) choose to opt-out of such sharing; and/or (ii) request certain information regarding our disclosure of your Personal Information to such non-affiliated third parties.
"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products, improve our products, and send you relevant offers (where allowed).Excerpt from Revolut's Privacy Policy (Superseded URL)
(1) REGULATORY LANDSCAPE: This provision engages UK GDPR provisions on automated individual decision-making and profiling, equivalent to Article 22, which restricts solely automated decisions producing legal or similarly significant effects unless specific conditions are met.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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Automated credit and fraud decisions can directly affect your access to financial products, and you have the legal right to request that a human reviews any decision that significantly affects you.
This provision means a computer algorithm may decide whether you are eligible for a Revolut credit product or flag your account for fraud without a human review, which could result in denial of services or account restrictions.
ConductAtlas has identified this type of provision across 287 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Revolut.