Revolut Terms of Service (Superseded URL)

This document governs the Revolut personal account and associated services offered by Revolut Technologies Inc. to US-based consumers, forming a legal agreement alongside the Cardholder Agreement, Fees pages, and Privacy Policy, with banking services provided by Lead Bank (FDIC member) as card issuer. The agreement states users must be 18 or older, may hold multi-currency balances on a prepaid Visa or Mastercard, and authorizes Revolut to block, suspend, or close accounts at its discretion for policy violations or regulatory compliance; the terms also authorize fee charges including foreign exchange markups, ATM fees, and subscription cancellation fees. Notably, the agreement includes a broad mandatory arbitration clause with a class action waiver, limiting users to individual claims resolved through binding arbitration rather than court proceedings, and reserves broad unilateral amendment rights requiring only 30-day notice before changes take effect; the agreement asserts English-language supremacy over any translated versions, which may create additional complexity for non-English-speaking users. The document engages US federal frameworks including the Electronic Fund Transfer Act, Bank Secrecy Act, and FDIC deposit insurance rules, as well as state money transmission regulations and consumer financial protection requirements enforced by the CFPB; applicable law may constrain some asserted rights, particularly regarding arbitration enforceability and unilateral amendment powers in certain state jurisdictions.