Banking reimagined for the modern world

Opening a Revolut account takes just 3–5 minutes. Download the Revolut app, enter your phone number, and follow the on-screen steps. You'll need to:

• Provide a valid government-issued photo ID (passport, national ID, or driving licence)
• Take a short selfie video for identity verification (powered by our AI system)
• Confirm your address — no proof of address documents needed in most countries

Once submitted, most accounts are verified automatically within minutes. In rare cases, manual review may take up to 24 hours. You can start using your virtual card immediately after verification completes.

Revolut is transparent about its fees — no surprises. Here's what you need to know:

• Standard plan (free): No monthly fee. Currency exchange up to a fair usage limit at the real interbank rate, with no markup. ATM withdrawals free up to $200/month.
• Premium ($9/mo) and Metal ($16/mo): Higher ATM limits, travel insurance, and priority support.
• Weekend surcharge: A small 0.5–1% markup applies on weekends when global markets are closed.
• Crypto trades: A spread of up to 2.5% applies depending on market conditions.

There are no hidden maintenance fees, inactivity charges, or foreign transaction fees. You always see the exact fee before confirming any transaction.

Revolut is available in over 150 countries for spending and transfers. Full account services (card issuance, IBAN, local bank details) are available in:

• All EEA countries (30+ European nations) — regulated by the Bank of Lithuania
• United Kingdom — regulated by the FCA
• United States — partnered with Metropolitan Commercial Bank (FDIC insured)
• Australia, Singapore, Japan, Switzerland, and more

We're expanding rapidly. Check the Revolut website or app for the latest availability in your region. Even if full account features aren't available, you can often use the app for international transfers.

Revolut uses multiple layers of protection to keep your money safe:

• Real-time fraud detection: Machine learning monitors every transaction for suspicious patterns and alerts you instantly.
• Biometric authentication: Face ID, fingerprint, or PIN required to access the app and approve transactions.
• Instant card controls: Freeze or unfreeze your card in one tap directly from the app.
• Disposable virtual cards: Generate a new card number for each online purchase (Premium/Metal).
• Location-based security: Optionally block transactions in countries you haven't visited.
• 3D Secure: All online payments require additional authentication.

If you ever notice an unauthorised transaction, our in-app dispute tool allows you to raise a chargeback immediately, and we offer zero-liability protection for fraudulent card transactions.

Revolut gives you seamless access to the crypto market alongside your regular finances:

• 100+ cryptocurrencies: Buy, hold, and sell Bitcoin, Ethereum, Solana, and many more tokens directly in the app.
• Instant exchange: Convert between crypto and any of your fiat currencies in seconds at competitive rates.
• Recurring buys: Set up automated daily, weekly, or monthly crypto purchases — perfect for dollar-cost averaging.
• Price alerts: Get notified when your chosen assets hit target prices.
• Crypto transfers: Send crypto to external wallets (Premium/Metal plans).
• Staking: Earn rewards by staking supported cryptocurrencies.

Crypto assets are not covered by the Financial Services Compensation Scheme (FSCS). As with any investment, crypto values can go up as well as down.

Revolut offers several card options to suit every need:

• Virtual card: Available instantly upon sign-up. Use it for online payments, Apple Pay, and Google Pay before your physical card arrives.
• Standard physical card: Contactless Mastercard delivered within 3–9 business days. Accepted globally at 80+ million locations.
• Premium card: A premium-finish card with enhanced perks and higher ATM limits ($400/month).
• Metal card: Our iconic 18g stainless steel card with 1% cashback, $800/month ATM limit, and airport lounge access.

Daily spending limits vary by plan. Standard customers can spend up to $25,000/day. You can adjust your own custom limits anytime in the app under Card Settings. Card delivery is free on all plans.

Revolut offers multiple support channels to help you 24 hours a day, 7 days a week:

• In-app live chat: The primary support channel, available around the clock. Start by searching our help centre, then connect with a support agent if needed.
• Revolut Assistant (AI): An intelligent chatbot that resolves the most common queries instantly — no wait time.
• Help Centre: An extensive library of articles, guides, and how-to videos at help.revolut.com.
• Priority support: Premium and Metal customers receive faster response times and dedicated queues.

Average response times are under 5 minutes for Premium/Metal customers. Standard customers typically receive replies within 1–2 hours during peak times. We do not offer phone support, but our in-app chat is just as fast.

Transfer speed depends on the type of transfer and destination:

• Revolut-to-Revolut: Instant, 24/7/365, regardless of amount or destination country.
• SEPA transfers (Europe): Same business day or next business day. SEPA Instant available in supported countries — arrives in seconds.
• UK Faster Payments: Usually within 2 hours, often immediate.
• International SWIFT transfers: Typically 1–3 business days depending on the destination bank and any intermediary banks involved.
• USD ACH (US): Standard 1–3 business days; expedited same-day options available.

You can track every transfer in real-time within the app. If a transfer is delayed beyond the expected timeframe, our support team will investigate immediately.

Revolut gives you access to the real interbank (mid-market) exchange rate — the same rate banks use to trade with each other, and the fairest rate available:

• No hidden markups on weekday currency exchanges (Standard plan: up to a fair use limit; unlimited on Premium/Metal)
• You can hold balances in 36+ currencies simultaneously in your Revolut account
• Exchange happens in real-time directly in the app — you see exactly what you'll receive before confirming
• Set rate alerts to exchange at your ideal rate automatically
• A small weekend surcharge (typically 0.5–1%) applies on Saturdays and Sundays when FX markets are closed

For comparison, traditional banks typically charge 2–5% above the mid-market rate, often hidden in the quoted rate. With Revolut, you can see the real rate and our fee clearly separated.

Your data privacy is fundamental to how we operate. Revolut adheres to the strictest international data protection standards:

• GDPR compliant: All EU/EEA customers' data is processed in full compliance with the General Data Protection Regulation.
• No selling your data: We never sell your personal information to third parties for marketing purposes.
• Bank-grade encryption: All data is encrypted in transit (TLS 1.2+) and at rest using AES-256 encryption.
• Your rights: You can request a full export of your data, correct inaccuracies, or request deletion through the app at any time.
• Minimal sharing: Data is only shared with trusted partners necessary to provide the service (e.g., payment networks, compliance providers).

Our full Privacy Policy is available in the app and on our website. If you have any privacy concerns, contact our dedicated Data Protection Officer at dpo@revolut.com.

Yes — Revolut Business is a full-featured business banking solution for freelancers, startups, and established companies:

• Multi-currency accounts: Hold, send, and receive money in 25+ currencies with no markup up to your plan limit.
• Team expense cards: Issue physical and virtual cards to team members with custom spending limits.
• Bulk payments: Pay employees or suppliers in batches — up to 1,000 transfers at once.
• Accounting integrations: Sync automatically with Xero, QuickBooks, Slack, and other tools.
• API access: Automate payments, reconciliation, and reporting with our powerful REST API.

Revolut Business starts from a free tier and scales to $79/month for larger operations. It's available in the UK, EEA, US, and expanding to new markets regularly.

The protection of your funds depends on your region and the Revolut entity you're a customer of:

• UK customers: Revolut holds customer funds in a ring-fenced safeguarding account at major banks. As of 2024, Revolut holds a full UK banking licence, meaning eligible deposits up to £85,000 are protected by the FSCS.
• EEA customers: Funds are safeguarded as required under the EU Payment Services Directive 2 (PSD2), held separately from Revolut's own funds.
• US customers: Deposits held through our partner Metropolitan Commercial Bank are FDIC insured up to $250,000.

Safeguarding means even if Revolut ceased operations, a liquidator would be required to return customer funds first — before paying any creditors. Your money is always held separately from Revolut's business funds.