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 restrict your access to financial services without any human judgment, and the safeguards for challenging those decisions are only available if you proactively request them.
Revolut collects a broad range of personal data including identity documents, financial account details, location, device information, transaction history, and data from your other bank accounts via Open Banking, and uses this data for automated profiling that can affect your eligibility for credit and other financial products. The policy discloses that these automated decisions can have significant legal or similarly significant effects, though the document states users have the right to request human review, object, or seek explanation. You can manage your privacy preferences directly in the Revolut app or contact dpo@revolut.com to exercise your data rights including access, deletion, and objection to marketing or automated decision-making.
How other platforms handle this
For information on how we process personal data through "profiling" and "automated decision-making", please see our FAQ.
For information on how we process personal data through "profiling" and "automated decision-making", please see our FAQ.
ISO/IEC 42001:2023
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"We may use automated processes to make decisions about you. For example, we use automated processes to: make decisions about whether you are eligible to use certain Revolut products or services (for example, credit); help us detect fraud and keep your account safe. If you are affected by an automated decision that has a significant impact on you, you have the right to: ask us to reconsider the decision; ask us to have the decision reviewed by a person (rather than just a computer system). To do this, you can contact us at dpo@revolut.com.— Excerpt from Revolut's Revolut Privacy Policy
How 10 AI platforms describe the use of user data for model training, improvement, and development, based on archived governance provisions.
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Automated credit and fraud decisions can restrict your access to financial services without any human judgment, and the safeguards for challenging those decisions are only available if you proactively request them.
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