Messages sent through Revolut Messenger are end-to-end encrypted, meaning Revolut itself cannot read them. This also means Revolut cannot recover or provide your messages if you lose access to them or need them for a dispute.
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
While end-to-end encryption protects your message privacy, it also means Revolut cannot assist you if you need to retrieve messages for a dispute or legal purpose, and your messages will be permanently lost if you reinstall the app or change devices.
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 →Your Revolut Messenger messages are private from Revolut, but they are also unrecoverable by Revolut. If you change phones or reinstall the app, your message history is permanently deleted, and Revolut cannot restore it.
How other platforms handle this
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"To ensure any communication with your contacts is kept private, Revolut Messenger is protected using end to end encryption. This means that Revolut cannot access messages in your Revolut Messenger in any circumstances. For example, if you contact customer support in relation to something that has occurred on Revolut Messenger, we will not be able to see your thread. It also means we are unable to provide any information about messages in your Revolut Messenger even if you ask us for it.Excerpt from Revolut's Terms of Service (Superseded URL)
REGULATORY LANDSCAPE: End-to-end encryption in financial services messaging may interact with law enforcement access requirements under the Communications Assistance for Law Enforcement Act and applicable state wiretapping statutes.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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While end-to-end encryption protects your message privacy, it also means Revolut cannot assist you if you need to retrieve messages for a dispute or legal purpose, and your messages will be permanently lost if you reinstall the app or change devices.
Your Revolut Messenger messages are private from Revolut, but they are also unrecoverable by Revolut. If you change phones or reinstall the app, your message history is permanently deleted, and Revolut cannot restore it.
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
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