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If you have a dispute with Revolut, you must resolve it through individual binding arbitration rather than through a lawsuit, jury trial, or class action. You give up the right to join with other users in a collective legal claim against Revolut.
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
This clause significantly limits how you can seek legal redress if Revolut makes an error, charges you incorrectly, or otherwise harms you. Without the ability to file a class action, the practical cost of arbitrating a small individual claim may outweigh the potential recovery.
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 →You lose access to courts and jury trials for disputes with Revolut, and you cannot join other users in a class action lawsuit. This is particularly relevant for small-dollar financial disputes where individual arbitration costs may exceed the amount at stake.
How other platforms handle this
If, however, this Class Action Waiver is deemed invalid or unenforceable with respect to a particular Dispute...neither you nor Chegg will be entitled to arbitration of such Dispute.
Neither you nor we may elect arbitration of any claims seeking only individualized relief asserted by you or us in small claims court, so long as the action remains in that court and is not removed or appealed de novo...
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"ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE BREACH, TERMINATION, ENFORCEMENT, INTERPRETATION OR VALIDITY THEREOF, INCLUDING THE DETERMINATION OF THE SCOPE OR APPLICABILITY OF THIS AGREEMENT TO ARBITRATE, SHALL BE DETERMINED BY ARBITRATION. YOU AND REVOLUT WAIVE THE RIGHT TO A JURY TRIAL AND WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION.Excerpt from Revolut's Terms of Service (Superseded URL)
REGULATORY LANDSCAPE: This provision implicates the Federal Arbitration Act, which generally permits arbitration agreements in consumer contracts, and the CFPB's consumer financial protection authority. The CFPB previously issued a rule limiting mandatory arbitration clauses in consumer financial products, which was subsequently overturned by Congress; however, the CFPB retains supervisory authority over unfair, deceptive, or abusive acts or practices (UDAAP) and may examine arbitration disclosures for adequacy. State AGs in California and New York have historically challenged class action waivers in consumer financial contracts. GOVERNANCE EXPOSURE: High. Mandatory arbitration combined with class action waivers in consumer financial services is a recurring area of regulatory and litigation attention. While the Federal Arbitration Act generally supports enforceability, state courts in California have at times limited enforcement under unconscionability doctrines, particularly where the waiver is not prominently disclosed or the opt-out mechanism is not adequately communicated. JURISDICTION FLAGS: California presents heightened exposure due to its consumer protection framework and judicial scrutiny of arbitration clauses. New York state law and DFS oversight create additional considerations. The provision's enforceability against minors (who may hold Revolut under-18 accounts through a guardian) is uncertain, as minors generally retain the right to disaffirm contracts under applicable state law. CONTRACT AND VENDOR IMPLICATIONS: B2B or institutional partners contracting with Revolut should confirm whether this clause applies to commercial relationships or solely to personal account holders. The clause appears directed at personal account holders and may not extend to Revolut Business Terms counterparties. COMPLIANCE CONSIDERATIONS: Compliance teams should verify that the arbitration opt-out mechanism is prominently disclosed at the point of account creation and that the 30-day opt-out window is clearly communicated in onboarding flows. CFPB examination readiness should include documentation of how the arbitration clause is presented and whether users are given a genuine opportunity to opt out prior to being bound.
Regulatory citations, enforcement risk, and due diligence action items.
Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and how the opt-out process works.
561 arbitration provisions across 197 platforms. ConductAtlas tracks how dispute resolution is being restructured across the internet.
Provision-level monitoring, governance timelines, and regulatory mapping built from archived source documents and historical version tracking.
This clause significantly limits how you can seek legal redress if Revolut makes an error, charges you incorrectly, or otherwise harms you. Without the ability to file a class action, the practical cost of arbitrating a small individual claim may outweigh the potential recovery.
You lose access to courts and jury trials for disputes with Revolut, and you cannot join other users in a class action lawsuit. This is particularly relevant for small-dollar financial disputes where individual arbitration costs may exceed the amount at stake.
ConductAtlas has identified this type of provision across 211 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Revolut.