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Revolut can freeze or permanently close your account at any time for a wide range of reasons, including at their own discretion, with no advance notice required in many circumstances.
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 establishes Revolut's operational authority to unilaterally modify service access based on compliance determinations, regulatory obligations, or fraud/illegality assessments, as well as discretionary termination authority. The provision's operational significance derives from the breadth of suspension triggers and the asymmetric control it allocates to the service provider over account continuity.
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 account and access to your funds can be suspended or closed immediately at Revolut's discretion, including without prior notice, which creates material financial access risk especially for customers using Revolut as a primary account.
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"We can suspend or permanently end your access to the Revolut app or your account at any time if: we reasonably believe you have broken these terms and conditions; we are required or permitted to do so by law or regulation; we reasonably believe that your account is being used fraudulently or for any illegal purpose by you or someone else; or for any reason we decide. If we do this, we will let you know as soon as possible unless we are unable to do so for legal or security reasons.Excerpt from Revolut's Terms of Service (Superseded URL)
(1) REGULATORY FRAMEWORK: Account closure and suspension practices in prepaid accounts are regulated under Regulation E (12 CFR 1005.18) and the CFPB's Prepaid Accounts Rule. The EFTA requires issuers to provide error resolution rights and access to funds. Sudden account closures without adequate notice may also engage state unfair and deceptive acts and practices (UDAP) statutes. FinCEN SAR filing obligations (31 CFR §1020.320) may constrain the ability to notify users in AML-related closures. (2)
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.
This clause establishes Revolut's operational authority to unilaterally modify service access based on compliance determinations, regulatory obligations, or fraud/illegality assessments, as well as discretionary termination authority. The provision's operational significance derives from the breadth of suspension triggers and the asymmetric control it allocates to the service provider over account continuity.
Your account and access to your funds can be suspended or closed immediately at Revolut's discretion, including without prior notice, which creates material financial access risk especially for customers using Revolut as a primary account.
ConductAtlas has identified this type of provision across 269 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Revolut.