Revolut can change these terms with two months' notice via the app. If you keep using your account after the notice period, you are treated as having agreed to the new terms. If you object, Revolut will treat that as a request to close your account.
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
Consumers who do not regularly check the Revolut app may miss important changes to fees, rights, or service conditions, and will be bound by those changes simply by continuing to use their account.
If Revolut changes its terms to your disadvantage and you miss the in-app notification, you will be treated as having accepted those changes after two months, with the only alternative being to close your account entirely.
How other platforms handle this
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
Starbucks reserves the right to modify these Terms at any time. We will post the most current version of these Terms on the Service. If we make material changes, we may notify you by email or by posting a notice on the Service prior to the effective date of the changes. Your continued use of the Ser...
We may change, discontinue, or deprecate any of the Services (including the Services as a whole) or change or remove features or functionality of the Services from time to time. We will notify you of any material changes to or discontinuation of any Service. We may modify this Agreement (including a...
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"We will tell you about any changes to these Terms at least 2 months before they take effect by sending you a notification in the Revolut app. If you don't tell us that you disagree with the changes before they take effect, you'll be treated as accepting them. If you do tell us you disagree, we will treat this as notification that you want to close your Account.— Excerpt from Revolut's Revolut Terms of Service
REGULATORY LANDSCAPE: This provision engages the Payment Services Regulations 2017 (regulation 51) which requires payment service providers to notify customers of changes to a framework contract at least two months in advance and permit customers to terminate without charge before changes take effect. The FCA's Consumer Duty also requires firms to ensure communications are clear, fair, and not misleading. The two-month notice period and deemed acceptance mechanism are consistent with PSR 2017 requirements, though the adequacy of in-app-only notification for all customer segments warrants scrutiny under Consumer Duty. GOVERNANCE EXPOSURE: Medium. The deemed acceptance mechanism is standard in UK payment services contracts and is explicitly permitted under PSR 2017. However, if a material change disadvantages customers and the notification was not clearly surfaced in the app, the FCA could view this as inconsistent with Consumer Duty outcome requirements, particularly for vulnerable customers who may not regularly access the app. JURISDICTION FLAGS: This mechanism is specifically structured to comply with PSR 2017 and is UK-specific. EU customers under PSD2 have equivalent protections. The adequacy of in-app notification as the primary change communication channel may face scrutiny in jurisdictions with stricter written notice requirements. CONTRACT AND VENDOR IMPLICATIONS: B2B partners and API integrators who rely on Revolut's personal terms as a baseline should build change monitoring into their compliance workflows, as terms changes could affect embedded product terms downstream. COMPLIANCE CONSIDERATIONS: Compliance teams should assess whether the in-app notification mechanism alone meets Consumer Duty standards for all customer segments, including those with accessibility needs or limited app engagement. A review of how change notifications are surfaced (e.g. whether they require active acknowledgement or are passive banner notifications) would be advisable to assess whether the deemed acceptance mechanism is operationally fair.
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Consumers who do not regularly check the Revolut app may miss important changes to fees, rights, or service conditions, and will be bound by those changes simply by continuing to use their account.
If Revolut changes its terms to your disadvantage and you miss the in-app notification, you will be treated as having accepted those changes after two months, with the only alternative being to close your account entirely.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Revolut.