You are not allowed to use your Revolut account to trade currencies speculatively — for example, buying a currency hoping its value will rise so you can profit from the exchange.
New restriction explicitly prohibits speculative forex trading and arbitrage, limiting user's permitted FX market activities beyond normal currency conversion.
View full change record →Frequent or large currency exchanges on Revolut could trigger account suspension if Revolut characterizes the activity as speculative trading, even if the customer's intent is legitimate multi-currency management.
Cross-platform context
See how other platforms handle Speculative Foreign Exchange Trading Prohibition and similar clauses.
Compare across platforms →This restriction could result in account suspension if Revolut determines your currency exchange activity looks speculative, even if you are simply managing legitimate multi-currency needs — the standard for what counts as speculative is determined unilaterally by Revolut.
(1) REGULATORY FRAMEWORK: Restrictions on speculative FX trading in prepaid accounts relate to CFTC jurisdiction over retail forex transactions (7 U.S.C. §2(c)(2)(C)). If Revolut's FX services were characterized as retail forex transactions rather than currency exchange ancillary to payment services, they could trigger CFTC registration and capital requirements. FinCEN's money services business regulations (31 CFR §1022) also apply to currency exchange activities. (2)
Compliance intelligence locked
Regulatory citations, enforcement risk, and due diligence action items.
Watcher: regulatory citations. Professional: full compliance memo.