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
The safeguarding method determines how customer funds are protected in the event of Revolut's insolvency, and defines the nature of that protection as distinct from FSCS deposit insurance.
Readers can expect their funds to be held in dedicated client money bank accounts or in regulator-approved low-risk assets rather than commingled with Revolut's own money.
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"We quickly either: place it into one of the dedicated client money bank accounts that we hold with large commercial or central banks... or invest it in low-risk assets that have been approved by our regulator...— Excerpt from Revolut's Revolut Terms of Service
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The safeguarding method determines how customer funds are protected in the event of Revolut's insolvency, and defines the nature of that protection as distinct from FSCS deposit insurance.
Readers can expect their funds to be held in dedicated client money bank accounts or in regulator-approved low-risk assets rather than commingled with Revolut's own money.
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