Messages you send through Revolut's in-app chat are encrypted end-to-end, meaning Revolut itself cannot read them — even if you ask Revolut to retrieve them for you or for dispute resolution.
New provision discloses encryption limitation where Revolut cannot assist with disputes involving Revolut Messenger communications, creating potential support gaps for message-related issues.
View full change record →Your Revolut Messenger messages are private from Revolut itself, but this also means that if you are scammed via the messenger or need to prove a disputed payment agreement, Revolut cannot retrieve or provide your message history as evidence.
Cross-platform context
See how other platforms handle End-to-End Encrypted Messenger — No Revolut Access and similar clauses.
Compare across platforms →While end-to-end encryption protects your privacy, it also means Revolut cannot assist you in recovering messages or resolving disputes that involve what was said in the messenger, and messages are not backed up.
(1) REGULATORY FRAMEWORK: End-to-end encryption in financial messaging implicates law enforcement access obligations under the Communications Assistance for Law Enforcement Act (CALEA, 47 U.S.C. §§1001-1010) and potential conflicts with lawful intercept requirements. FinCEN's AML obligations require financial institutions to maintain records sufficient for law enforcement access, and strong encryption that prevents institutional access may create tension with these requirements. ECPA (18 U.S.C. §§2510-2522) governs interception of electronic communications. (2)
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Regulatory citations, enforcement risk, and due diligence action items.
Watcher: regulatory citations. Professional: full compliance memo.