You are not allowed to use your Revolut account to make speculative currency trades or to exploit foreign exchange rate discrepancies for profit. The currency exchange feature is intended for personal spending and travel, not currency speculation.
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
Revolut may suspend or close your account if it determines you are using the currency exchange feature speculatively. Users who exchange large amounts of currency frequently or in patterns that resemble speculative trading may be at risk of account action.
Interpretive note: The boundary between permissible personal currency exchange and impermissible speculation is not precisely defined in the document, creating ambiguity for high-frequency but legitimate personal currency users.
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 →Using your Revolut account for currency speculation or arbitrage is a terms violation that could result in account suspension or closure. The agreement does not precisely define what volume or pattern of exchange constitutes speculative use, leaving some ambiguity for frequent travelers or currency holders.
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"the Revolut app or Revolut Card must not be used (directly or indirectly) as follows: to trade in foreign currencies for speculative purposes (that is, to take advantage of any expected rise or fall in the value of a currency) or to take advantage of discrepancies in the foreign exchange market.Excerpt from Revolut's Terms of Service (Superseded URL)
REGULATORY LANDSCAPE: Restrictions on speculative currency trading in retail prepaid accounts may intersect with Commodity Futures Trading Commission jurisdiction over retail foreign exchange transactions and FinCEN requirements for reporting unusual transaction patterns.
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Revolut may suspend or close your account if it determines you are using the currency exchange feature speculatively. Users who exchange large amounts of currency frequently or in patterns that resemble speculative trading may be at risk of account action.
Using your Revolut account for currency speculation or arbitrage is a terms violation that could result in account suspension or closure. The agreement does not precisely define what volume or pattern of exchange constitutes speculative use, leaving some ambiguity for frequent travelers or currency holders.
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