Revolut can suspend or close your account and block your card without warning if it suspects fraud, illegal activity, a security risk, or a serious breach of the terms. This means you could lose access to your funds at short notice.
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
Account suspension can effectively freeze your access to funds you depend on for daily spending, and because Revolut may act on suspicion rather than confirmed wrongdoing, legitimate customers can be affected by automated or precautionary actions.
Interpretive note: The clause uses 'reasonable grounds' which is subject to interpretation, and the absence of a defined suspension timeframe creates uncertainty about the duration of any access restriction.
If Revolut suspends your account, you may be unable to access your money, make payments, or use your card until Revolut completes its enquiries, with no guaranteed timeframe provided in the terms for resolution.
How other platforms handle this
We may suspend or terminate your access to the Services at any time and for any reason, including but not limited to: (i) violation of this Agreement; (ii) our inability to verify your identity or the source of your funds; (iii) a request from law enforcement or government authorities; (iv) unexpect...
Twilio may terminate or suspend your access to or use of the Services at any time, with or without cause, effective upon notice. Twilio may immediately suspend your account upon the occurrence of any of the following: (a) you fail to make a timely payment, or (b) we reasonably believe suspension is ...
GitHub has the right to suspend or terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. GitHub reserves the right to refuse service to anyone for any reason at any time. In the event of termination, we will make a ...
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"We may suspend or close your Account, or stop you from using your Revolut Card or any of our other services, if we have reasonable grounds to do so, such as: a legal or regulatory requirement for us to do so; a serious concern about the security of your Account; we reasonably suspect your Account is being used in an unauthorised way, or for illegal purposes; or you have seriously or persistently broken this Agreement.— Excerpt from Revolut's Revolut Terms of Service
REGULATORY LANDSCAPE: This provision engages the Payment Services Regulations 2017, which permit payment service providers to suspend access under defined circumstances, and the Proceeds of Crime Act 2002 and Money Laundering Regulations 2017 which may require account restrictions without customer notification. The FCA's Consumer Duty (PS22/9) requires firms to consider whether suspension powers are exercised in a way that delivers good consumer outcomes. There is a regulatory tension between anti-money laundering obligations (which may prohibit tipping off) and Consumer Duty's requirement for transparency. GOVERNANCE EXPOSURE: High. Broad account suspension powers without defined timelines create operational and complaints risk. The FCA has scrutinised de-banking and account closure practices across the sector, and firms face reputational and regulatory exposure if suspension decisions are perceived as arbitrary or discriminatory. JURISDICTION FLAGS: UK-specific in its regulatory framing, but the practical scope of this clause affects all Revolut Ltd customers globally who hold accounts under these terms. EU and EEA customers would be subject to PSD2 equivalents under their respective entity's terms. In the UK, the Financial Ombudsman Service (FOS) has jurisdiction over complaints about unjustified account restrictions. CONTRACT AND VENDOR IMPLICATIONS: Businesses relying on Revolut accounts for payment flows (e.g. Revolut Pro or embedded payment services) should assess the operational risk of account suspension when evaluating Revolut as a treasury or payment counterparty. The clause does not specify a maximum suspension period, which may be material to treasury risk assessments. COMPLIANCE CONSIDERATIONS: Legal teams should assess whether the grounds for suspension are sufficiently defined to meet Consumer Duty outcome standards and the FCA's expectations around fair treatment of customers. The interaction between tipping-off prohibitions under POCA 2002 and the customer notification requirements under Payment Services Regulations 2017 should be reviewed to ensure the firm's operational procedures are compliant with both regimes simultaneously.
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Account suspension can effectively freeze your access to funds you depend on for daily spending, and because Revolut may act on suspicion rather than confirmed wrongdoing, legitimate customers can be affected by automated or precautionary actions.
If Revolut suspends your account, you may be unable to access your money, make payments, or use your card until Revolut completes its enquiries, with no guaranteed timeframe provided in the terms for resolution.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Revolut.