Captured before automated identity checks (Oct 14, 2026): accurate as of its capture on May 5, 2026, not verified as current.
This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
“Access credit or any other lending-based products that Revolut offers including Buy Now Pay Later.”
“You may be entitled to reimbursement if you have been victim of an APP scam from 7 October 2024 onwards. You must notify us within 13 months of the last relevant transaction...”
“Each claim is subject to a £100 excess, with a maximum reimbursement limit of £85,000.”
“It is a breach of this Agreement to use your Account for business purposes.”
“If you add your Revolut card to a device, anyone with access to that device will have access to your Revolut Card. If you share your OTP, anyone who you share it to may also use it to access your Revolut Card or account. When you do either of these things, you have authorised that device or person to make payments using your Revolut card...”
“We may close or suspend your Account immediately (including access to other Revolut services like trading, crypto, and precious metals), in exceptional circumstances.”
These are the rules that govern your Revolut Personal Account: what you can use it for, how your money is protected, and when Revolut will or will not reimburse you. Your money is safeguarded in dedicated bank accounts or regulator-approved assets rather than covered by the Financial Services Compensation Scheme. If you are scammed into making a payment, you may be able to claim up to £85,000 back, but you must report it within 13 months and each claim carries a £100 deduction.
This document establishes the core contractual framework governing Revolut Personal Accounts, defining the conditions of access, permitted use, and the financial rights and obligations of both parties. It restricts personal accounts to non-commercial use, prohibits account duplication and re-registration after prior closure, and treats the addition of a card to a device as blanket authorisation for any user of that device to make payments. It sets explicit financial limits on APP scam reimbursement — a £85,000 ceiling and £100 excess per claim, conditioned on a post-7 October 2024 occurrence and 13-month notification window — while excluding refund obligations where customer fraud, intentional failure, or carelessness contributed to loss. The document further reserves Revolut's right to offset debts from any sole or joint account balance without notice, to suspend or close accounts and linked services immediately in exceptional circumstances, and to modify its terms on two months' notice through the Revolut app.
For an individual user, the most consequential aspects of this document are: your account is for personal use only and Revolut treats business use as a breach that can lead to account closure; adding your card to a device authorises anyone with access to that device to make payments, making you responsible for resulting transactions; Revolut can deduct money you owe it from any Revolut balance you hold — including joint accounts — without prior notice; and users aged 16–17 cannot access any lending products, including Buy Now Pay Later. If you believe you have been a victim of an APP scam that occurred on or after 7 October 2024, you can notify Revolut of your claim — but you must do so within 13 months of the last relevant transaction to be eligible for reimbursement.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
We withheld clauses we had published from this document. Each withholding is recorded in our correction log:
“Access credit or any other lending-based products that Revolut offers including Buy Now Pay Later.”
“Each claim is subject to a £100 excess, with a maximum reimbursement limit of £85,000.”
“You may be entitled to reimbursement if you have been victim of an APP scam from 7 October 2024 onwards. You must notify us within 13 months of the last relevant transaction...”
“It is a breach of this Agreement to use your Account for business purposes.”
“If you add your Revolut card to a device, anyone with access to that device will have access to your Revolut Card. If you share your OTP, anyone who you share it to may also use it to access your …”
“We may close or suspend your Account immediately (including access to other Revolut services like trading, crypto, and precious metals), in exceptional circumstances.”
“The money in your Account isn't covered by the Financial Services Compensation Scheme (because it's safeguarded instead).”
“We won't refund any money if you've acted fraudulently, or you intentionally or carelessly failed to keep your security details or Revolut Card safe...”
“We may, at any time, without notice or demand take the amount you owe us from any amount we are due to pay to you including any other Account you hold with us either solely or jointly. We call this …”
“We quickly either: place it into one of the dedicated client money bank accounts that we hold with large commercial or central banks... or invest it in low-risk assets that have been approved by our regulator...”
“You can't: open more than one Revolut Personal Account; use a Revolut Personal Account for business purposes; or open a new Revolut Personal Account if we've previously closed a Revolut Personal Account in your name.”
“We'll give you two months' notice through the Revolut app before we make any change. We'll assume you're happy with the change unless you tell us that you want to close your Account before the change is made.”
Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
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