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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.
How other platforms handle this
If we learn that we've collected the personal data of a child under the age of 13 or 16, as applicable, we'll take reasonable steps to delete the personal data. This may require us to delete the Skillshare account...
Our moderators will thoughtfully consider any explanations and supplemental information provided by the Member when deciding whether to take action or reinstate access.
If we become aware that a child has provided us with personal data without parental consent, we remove such data and terminate the child's account (except where we are required to retain all or a portion of such data for compliance purposes).
Monitoring
Revolut has changed this document before.
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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. The terms prohibition is consistent with typical prepaid card program restrictions, but the boundary between permissible personal use and impermissible speculation is not precisely defined in the document. GOVERNANCE EXPOSURE: Low. This is a standard restriction in multi-currency prepaid card programs. The risk is primarily to users who engage in high-frequency or high-volume currency exchanges in patterns that Revolut's monitoring systems flag as speculative. Enforcement is at Revolut's discretion under the account suspension provisions. JURISDICTION FLAGS: US CFTC jurisdiction over retail forex applies where retail customers engage in leveraged or margin currency transactions, which is distinct from the spot exchange offered by Revolut. However, the terms prohibition on speculation is broader than regulatory definitions and applies to any perceived speculative behavior at Revolut's discretion. CONTRACT AND VENDOR IMPLICATIONS: Partners or integrators building products on Revolut's platform should ensure their use cases do not facilitate speculative currency transactions by end users, as this could trigger account closures affecting their customer base. COMPLIANCE CONSIDERATIONS: Compliance teams should note that the speculative trading restriction is enforced through account monitoring and suspension, not through explicit transaction limits. Users engaged in legitimate multi-currency activity (such as international business payments through a personal account) should be aware of the risk of being flagged. The restriction also reinforces that this product is designated for personal use only.
Regulatory citations, enforcement risk, and due diligence action items.
Provision-level monitoring, governance timelines, and regulatory mapping built from archived source documents and historical version tracking.
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.
ConductAtlas has identified this type of provision across 281 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Revolut.