Governing Law and Jurisdiction

What it is

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.

Why it matters (compliance & governance perspective)

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.

Consumer impact (what this means for users)

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.

Institutional analysis (Compliance & governance intelligence)

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.

Applicable regulations

Provision details

Other risks in this policy

• FSCS Non-Coverage and Safeguarding Regime high
• Account Suspension and Closure Without Prior Notice high
• Terms Change Notification and Deemed Acceptance medium
• Data Sharing with Third Parties and Credit Reference Agencies medium
• Prohibition on Business Use of Personal Account medium
• Account Closure Process and Linked Balance Liquidation Requirement medium