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 gives Revolut very broad discretion to cut off access to your funds without prior notice, which could cause serious financial disruption if your account is your primary payment account.
Revolut's personal terms govern an e-money account, not a traditional bank account, which means your balance is not covered by the FSCS up to £85,000 as it would be at a high street bank; instead, your funds are held in segregated client accounts under a safeguarding regime that provides protection in insolvency but through a different process. Revolut reserves the right to suspend or close your account, restrict access to funds, and share your information with third parties including law enforcement and credit agencies, all of which can have material financial and practical consequences. You can export your account transaction history from the Revolut app at any time, and you should do so before closing your account as historical data may not be accessible after closure.
How other platforms handle this
Company may, but is not obligated to (1) monitor or review the Services and Content at any time; and (2) review User reports of violations of this Agreement. Without limiting the foregoing, Company shall have the right, in its sole discretion, to remove any of Your Content for any reason, including ...
Walgreens reserves the right to terminate your access to all or any part of the Site at any time, with or without cause, with or without notice, effective immediately.
Lime reserves the right to (a) modify or discontinue, temporarily or permanently, the Services (or any part thereof); (b) refuse any user access to the Services for any reason, including if Lime believes that user has violated this Agreement; at any time and without notice or liability to you or to ...
Monitoring
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"We can restrict or close your Account, or stop you from using your Revolut Card or any of our services at any time if: we believe it's necessary or advisable for legal, regulatory, or security reasons; you've broken any important part of this Agreement or repeatedly broken any part of this Agreement; you've put us in a position where we might break the law or regulations if we allow you to continue to use your Account or our services; we reasonably believe that your Account is being used for an illegal purpose or in a way that could damage our reputation.— Excerpt from Revolut's Revolut Terms of Service
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This clause gives Revolut very broad discretion to cut off access to your funds without prior notice, which could cause serious financial disruption if your account is your primary payment account.
ConductAtlas has identified this type of provision across 6 platforms. See the full comparison.
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