Governance document

CA-D-000267

Revolut Terms of Service (Superseded URL)

Revolut

Last change detected April 29, 2026 Terms of service

SHA-256: 26a63fe3761615abe87… 3 versions captured 2 changes documented

Get the research letter

Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.

View original document at Revolut ↗

This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology

64 Total

37 High severity

24 Medium severity

3 Low severity

Key Facts

What use is the Revolut account restricted to?

Revolut restricts the Revolut account to personal use only and prohibits its use for business purposes.

What does Revolut limit its liability for card unavailability to?

Revolut limits its liability for card unavailability, for any reason, to replacing the card only.

Do charges already incurred remain payable after account closure?

Revolut requires that charges already incurred remain payable after account closure.

Who is designated as the owner of the Group Pocket?

Revolut designates the user who set up the Group Pocket as the owner with exclusive automatic visibility of all transactions and exclusive control over closing the pocket, adding or removing members, and allowing member withdrawals.

What exclusive control does the owner have?

Who has exclusive automatic visibility of all transactions?

Can a person open more than one Revolut personal account?

Revolut prohibits a person from opening more than one Revolut personal account and from opening a new Revolut personal account if Revolut has previously closed a Revolut account they held.

Can a person open a new Revolut personal account if Revolut has previously closed a Revolut account they held?

Revolut prohibits a person from opening more than one Revolut personal account and from opening a new Revolut personal account if Revolut has previously closed a Revolut account they held.

Does Revolut prohibit use of the Revolut app or Revolut Card, directly or indirectly, for illegal purposes?

Revolut prohibits use of the Revolut app or Revolut Card, directly or indirectly, for illegal purposes.

Can Revolut prevent a user from making payments?

Revolut may prevent a user from making payments from their account or with their Revolut Card if Revolut is reasonably concerned about the account's security or that it might be used fraudulently or without the user's permission.

Stay ahead of the changes

Track Revolut and get the diff the day its terms change.

Monitor Revolut + up to 20 platforms — $4.99/mo →

Summary

This document sets the rules for using your Revolut account and card, which are limited to personal use only — not business use. Revolut can immediately suspend or close your account if it believes, in its sole discretion, that you are behaving fraudulently, and it can change its terms at any time for any reason allowed by law. If your card is lost or stolen, you must report it through the Revolut app as soon as possible.

Analysis

This document establishes the terms governing individual use of Revolut's account, card, and services. It restricts accounts to personal use only, prohibits illegal use, and caps each person at a single account with eligibility conditioned on being at least 18 years old. Revolut reserves the right to modify terms for any reason subject to applicable law, to block payments upon reasonable concern about security or fraud, and to immediately close or suspend accounts in exceptional circumstances — including suspected fraud — at Revolut's sole discretion. Liability for card unavailability is limited exclusively to card replacement, and financial obligations incurred before account closure survive that closure.

What this means for you

As an individual user, your account is strictly personal — business use is prohibited and can result in Revolut taking action against your account. You may not hold more than one personal account, and a prior closure by Revolut bars you from opening a new one. Revolut may block your payments if it is reasonably concerned about security or unauthorized use, and may immediately close your account based solely on its own determination of fraudulent behavior. Any charges you incur remain payable even after your account is closed. If your card is lost or stolen, your specific action is to contact Revolut through the Revolut app as soon as possible.

Institutional Analysis

Stay ahead of the changes

Institutional analysis available with Insight

Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.

Monitor Revolut + up to 20 platforms — $4.99/mo → Get the research letter, free

2 important changes detected

3 versions captured · Last updated: April 2026

April 29, 2026

low

What changed Revolut added a new feature called 'Move Money Rules' that lets you automatically transfer funds between pockets in your account or exchange currencies based on conditions you set. The terms note that limits and fees may apply depending on your plan. This is a new product feature disclosure rather than a change to your rights or protections.

Why this matters Revolut introduced a new optional feature allowing you to set up automatic transfers between account pockets and currency conversions. The updated terms state that limits and fees may apply depending on your Revolut plan, meaning some users may incur costs when using this feature. You should review your specific plan details to understand what limits and fees apply before setting up automated rules.

View full change record →

March 23, 2026

medium

What changed Revolut removed three sentences from its Terms of Service on March 23, 2026 that described the Move Money Rules feature, which allowed users to automate fund movements across account pockets or currency exchanges based on custom conditions. The updated terms no longer include any mention of this feature or its associated limits and fees. Users who relied on this feature will no longer find documentation of it in the current terms.

Why this matters The updated Terms of Service no longer document the Move Money Rules feature, which previously allowed users to set up automatic fund transfers across account pockets or currency exchanges based on custom conditions. The removal of this documentation means users cannot point to the terms as a reference for how this feature operates, what limits apply, or what fees may be charged. If the feature remains available in the app, its operational parameters are no longer formally described in the binding terms document.

View full change record →

Featured, High severity

Account Restricted to Personal Use Only Compare →

Revolut can take action against accounts used for business purposes, as such use violates the stated restriction.

Added July 10, 2026 Standard Seen across 282 platforms
Card Unavailability Liability Limited to Replacement Compare →

Revolut excludes all other forms of liability — including financial loss or consequential harm — arising from card unavailability, regardless of the cause.

Added July 10, 2026 Standard Seen across 287 platforms
Charges Remain Due After Account Closure Compare →

Closing an account does not extinguish outstanding financial obligations to Revolut.

Added July 10, 2026 Standard Seen across 231 platforms
Group Pocket Owner Controls All Member Funds Compare →

All material control over a Group Pocket — including member funds and access — is concentrated exclusively in the owner, leaving other members dependent on the owner's actions.

Added July 10, 2026 Standard Seen across 265 platforms
Minimum Age Requirement for Account Opening Compare →

Anyone under 18 is ineligible to open a Revolut account, making age a hard precondition for access.

Added July 10, 2026 Standard Seen across 265 platforms
One Account Per Person Only Compare →

These two prohibitions together prevent circumvention of account closure and cap each person at a single personal account.

Added July 10, 2026 Standard Seen across 265 platforms
Prohibition on Illegal Use of App or Card Compare →

The prohibition covers both direct and indirect illegal use, meaning facilitating illegal activity through the app or card is also prohibited.

Added July 10, 2026 Standard Seen across 282 platforms
Revolut May Block Account for Security or Fraud Compare →

Revolut's ability to block payments is conditioned on reasonable concern, meaning the trigger is not unlimited but is defined by a reasonableness standard.

Added July 10, 2026 Standard Seen across 277 platforms
Revolut May Change Terms for Any Reason Compare →

Revolut's discretion to modify terms is expressly unlimited as to reason, constrained only by applicable law, meaning users' contractual conditions can change broadly.

Added July 10, 2026 Standard Seen across 289 platforms
Revolut May Close Account for Fraud Suspicion Compare →

Revolut retains sole discretion to determine fraudulent behaviour as a basis for immediate account closure or suspension, with no notice implied.

Added July 10, 2026 Standard Seen across 277 platforms
SSA Authorized to Verify SSN with Lead Bank Compare →

The user is required to grant a federal agency the authority to verify and share sensitive personal identifying information with named third parties as a condition of the process.

Added July 10, 2026 Standard Seen across 288 platforms
User Must Report Lost or Stolen Card Immediately Compare →

The obligation to report promptly and specifically through the Revolut app may affect the user's liability for unauthorised transactions if they fail to report in time or through the correct channel.

Added July 10, 2026 Standard Seen across 282 platforms