English law governs your agreement with Revolut, and disputes will be handled in English and Welsh courts, though Scottish and Northern Irish residents can also use their local courts.
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
Governing law and jurisdiction clauses affect where and how you can bring a complaint or legal claim against Revolut, and which country's consumer protection laws apply to your account.
If you need to take legal action against Revolut, you would generally need to do so in English and Welsh courts under English law, though customers in Scotland and Northern Ireland have additional options to use their local courts.
How other platforms handle this
This Agreement will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Each party irrevocably submits to the exclusive jurisdiction of the courts of Ontario, Canada for t...
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any disputes not subject to arbitration shall be brought exclusively in the state or federal courts located in San Francisco County, California.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws provisions. Any disputes arising out of or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the state and federal court...
Monitoring
Revolut has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 10 platforms.
"This Agreement is governed by English law. You and we both agree that any disputes will be dealt with by the courts of England and Wales. However, if you live in Scotland or Northern Ireland, you can also bring a claim in the courts of Scotland or Northern Ireland.— Excerpt from Revolut's Revolut Terms of Service
REGULATORY LANDSCAPE: This provision engages the Rome I Regulation (retained in UK law) on contractual choice of law, and the rules on consumer contract jurisdiction under the Civil Jurisdiction and Judgments Act 1982 (as amended). UK consumer protection law generally permits choice of law clauses in consumer contracts but limits their ability to deprive consumers of mandatory protections under the law of their habitual residence. Consumers in Scotland and Northern Ireland retain specific procedural rights to litigate locally. GOVERNANCE EXPOSURE: Low. This is a standard governing law provision for a UK-incorporated company. The carve-out for Scotland and Northern Ireland reflects the devolved court structure and is consistent with standard UK consumer contract practice. EU customers under Revolut's EU entity would be subject to different governing law provisions. JURISDICTION FLAGS: The governing law clause applies only to Revolut Ltd (UK) customers. EU/EEA customers are subject to their respective Revolut entity's governing law. Non-UK consumers who open a Revolut Ltd account should note that their disputes would generally be subject to English law, which may differ from their home jurisdiction's consumer protections. CONTRACT AND VENDOR IMPLICATIONS: Standard commercial practice. No unusual vendor implications. COMPLIANCE CONSIDERATIONS: Confirm that the governing law and jurisdiction provisions in Revolut's various entity-specific terms correctly direct customers to the appropriate regulatory and judicial framework for their jurisdiction. Assess whether mandatory consumer protection provisions in devolved UK jurisdictions (Scotland, Northern Ireland) or other applicable jurisdictions are adequately preserved despite the English law choice.
Full compliance analysis
Regulatory citations, enforcement risk, and due diligence action items.
Free: track 1 platform + weekly digest. Watcher: 10 platforms + same-day alerts. No credit card required.
Professional Governance Intelligence
Need to monitor specific governance provisions?
Professional includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
Governing law and jurisdiction clauses affect where and how you can bring a complaint or legal claim against Revolut, and which country's consumer protection laws apply to your account.
If you need to take legal action against Revolut, you would generally need to do so in English and Welsh courts under English law, though customers in Scotland and Northern Ireland have additional options to use their local courts.
ConductAtlas has identified this type of provision across 175 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Revolut.