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Users without a Social Security Number can open a limited Revolut account, but access to certain products and features may be restricted based on immigration status and visa type. Revolut may request immigration documentation as part of the account opening process.
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
Your immigration status can directly affect which Revolut features you can use. Users relying on Revolut for financial services should check whether their visa type qualifies for the features they need before opening an account.
Interpretive note: The specific products and features restricted based on immigration status are not enumerated in the main terms, requiring reference to a separate supported visas page, which creates uncertainty about the full scope of restrictions applicable to any given user.
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 change record →Users without a Social Security Number may face limited product access depending on their immigration status and visa type. Revolut may require immigration documentation, and certain financial features may be unavailable to non-SSN account holders.
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"If you do not have a social security number you may still be eligible to open a limited Revolut personal account. Depending on your immigration status, we may ask you to provide us with a copy of your supported U.S. visa and may limit your access to certain products and features.Excerpt from Revolut's Terms of Service (Superseded URL)
REGULATORY LANDSCAPE: Collection and use of immigration status information in financial services engages the Bank Secrecy Act's KYC requirements, which require financial institutions to verify customer identity but do not mandate SSN collection for all account types. The Equal Credit Opportunity Act and state-level financial access laws may be relevant to the extent that immigration-based product restrictions could constitute impermissible discrimination in the provision of financial services. FinCEN guidance permits alternative identity verification for non-SSN holders. GOVERNANCE EXPOSURE: Medium. Immigration status-based product restrictions are permissible under KYC frameworks but may create exposure under state anti-discrimination laws or consumer financial access regulations. The collection of visa documentation introduces a sensitive data category that requires appropriate data handling and retention controls. JURISDICTION FLAGS: California, New York, and Illinois have enacted laws protecting immigrants' access to financial services and restricting use of immigration status in consumer financial decisions. These jurisdictions present heightened exposure for Revolut's immigration-based restrictions. New York's Community Reinvestment Act-related guidance may also be relevant for financial access obligations. CONTRACT AND VENDOR IMPLICATIONS: The immigration status screening process and associated data collection should be reviewed for compliance with applicable state and federal identity document handling requirements. The data retention practices for visa documentation collected during onboarding should align with Revolut's Privacy Policy and applicable state biometric and identity document laws. COMPLIANCE CONSIDERATIONS: Legal teams should confirm that the list of supported visas is regularly updated to reflect current immigration categories and that the product restriction criteria are documented and consistently applied. Any automated decision-making based on immigration status should be reviewed for potential disparate impact on protected classes under applicable anti-discrimination frameworks.
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Your immigration status can directly affect which Revolut features you can use. Users relying on Revolut for financial services should check whether their visa type qualifies for the features they need before opening an account.
Users without a Social Security Number may face limited product access depending on their immigration status and visa type. Revolut may require immigration documentation, and certain financial features may be unavailable to non-SSN account holders.
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