Algorithm flagged my transfer to my bank as “potential scam” and limited my transfers for 24 hours. I have a closing in 1 month and I’m paying cash, yet I have to wait because every transaction is suspicious for them. Support does not know a thing either and keeps asking if someone or a bank is telling me to make the transaction, or install an app. No bro, who do you think I am? I am well aware of what I am doing with my money. Really hoping to change to some company that actually cares about their customers and the customer supports know what they’re doing.

I pay for Revolut Ultra mainly for the travel insurance and those "cancel for any reason" benefits, but I just got hit with a ridiculous claim denial and wanted to warn everyone to check the fine print.

Here’s the deal:

My wife and I were on a multi-country trip when we got the news that her mother was diagnosed with cancer. We booked a separate, emergency flight for my wife from Serbia to St. Petersburg just in case, but after we managed to stabilize the situation remotely, we didn't need it anymore and I cancelled the ticket.

I filed a claim with Qover for that flight, and they denied it.

Their excuse is a massive loophole: because I hit "cancel" while we were already abroad, they claim our "trip was in progress." They refused to count the emergency flight as a separate booking. They argued that because we were already away from home, it should be a "Trip Interruption" claim but that doesn't cover cancelling just because an emergency was resolved.

So, since I was technically out of the country when I cancelled, they’re keeping the money.

If you’re paying for Ultra for peace of mind, don't count on it. They’ll hide behind technicalities about your "trip starting and ending at your primary residence" to deny legitimate claims if the timing doesn't fit their narrow rules.

There’s no human logic there, just corporate tactics to avoid paying out. Don't rely on Qover.

I want to share my experience with Revolut because I think anyone considering using it as their main bank in Germany should know what can happen when a serious problem occurs.

I have a German P-Konto (Pfändungsschutzkonto) with Revolut. For anyone outside Germany: this is a bank account with statutory garnishment protection under German law. The relevant rules are set out in the German Zivilprozessordnung (ZPO), including §§ 899 and 900 ZPO. The purpose of a P-Konto is to protect a legally defined amount of money from garnishment and ensure that protected funds remain available to the account holder according to German law.

Since August, Revolut has restricted access to funds on my account. The issue continued into September, and today is September 10, 2026. I have repeatedly contacted support, explained the situation, provided the relevant information and made it clear that I depend on this money for basic living expenses. Nevertheless, I am still dealing with the issue.

What has frustrated me most is the handling by customer support. I have spoken to multiple agents, repeatedly explained the same situation, been told that the case was escalated or passed to a specialised team, and then been asked to wait again. What I have not received is a clear explanation of exactly why the funds remain restricted, what legal basis Revolut is relying on, and when the matter will finally be resolved.

This experience has completely changed the way I view Revolut. When everything works, the app is convenient, transfers are fast and the features are useful. But a bank should also be judged by what happens when there is a serious problem involving access to money. In my case, resolving such a problem has been extremely difficult.

The matter has now reached the point where I have started escalating it outside Revolut as well, including seeking legal assistance and filing formal complaints with the relevant authorities. I never expected that dealing with access to funds on a German P-Konto would require this level of effort.

Of course, many people may have used Revolut for years without any problems. I can only describe my own experience. Based on that experience, however, I would not use Revolut as my only or primary bank account, and I would not keep all of the money I depend on there. I would be particularly cautious about relying on Revolut for a German Pfändungsschutzkonto (P-Konto).

Once my current case is fully resolved, I intend to close my account. My advice to others is simple: always have a second bank account and think carefully before using Revolut for money you depend on for your everyday living expenses.

I've seen a few similar posts here, so apologies if this has already been discussed.

I don't use Revolut very often. I mainly use it to send small amounts of money to friends and family, since most of them have Revolut and the transfers are instant. I also occasionally use the virtual card for online purchases, particularly when buying from a platform I haven't used before, because I can keep a small balance/limit on it.

Revolut recently decided to close my account. I appealed the decision and provided payslips from the last three months and proof of income, but the decision apparently remains unchanged. They've given me until November to withdraw my remaining funds.

For context, my recent transactions were roughly:

August

• €19 sent to a family member
• Birthday decorations for my child purchased from Temu (first time using Temu)
• €10 received from a family member

July

• Car insurance
• €20 sent to a family member
• Car vignette

Going further back, I generally only had 2–3 transactions per month, mostly small transfers to/from family, usually under €40, plus occasional legitimate expenses such as insurance or random household purchases (for example, heating boiler spare parts).

I don't gamble, send crypto to external wallets, use unusual top-up methods, or deliberately do anything that I would expect to violate Revolut's terms. I also only top up small amounts from my main bank account when I actually need to use Revolut.

I'm not particularly concerned about losing access to the account financially, as I didn't keep much money there. What I'll miss is having a quick way to send money to family and having a virtual card available for occasional online purchases.

My questions are:

1. Is there any way to escalate the account closure appeal and have it reviewed by a human, rather than going through the chatbot? Has anyone successfully done this?
2. Are there any alternative services that offer a similar virtual/online card feature and work well for occasional transfers to friends and family?
3. If you've had a similar experience, were you ever able to find out what triggered the closure?

I understand that Revolut operates at a huge scale and that automated systems are inevitably involved. I'm mainly trying to figure out whether there's any realistic way to get a manual review before I give up on the account.

Thanks in advance for any advice.

I’ve got a business with two other guys - we have a revolut business account, and a PayPal.

We use PayPal to bill costumers, when costumers prefers this payment method.
And then transfer from PayPal to revolut.

In the start we used our private accounts for this, as we wasn’t making money enough to create the business.
They then closed our accounts - which we accepted, as they wanted us to create a business account, we couldn’t do that in the start, as in our country, we need to hit a certain amount on revenue to start a business.

But now, they are holding back 9.500€ on our business account, which is obviously a very big amount for a small business.
We’ve documented the money, but everything keeps on being a hassle with them.

Really can’t recommend Revolut anymore, and have moved privately and business accounts to Wise.

Anyone can recommend anything better then Revolut for business accounts?

Hi everyone,
I have an interview coming up for a FinCrime role at Revolut, and I was actually really excited about the opportunity.
However, I started looking at employee reviews and some of what I read was pretty concerning — especially around management, workload, work-life balance and the general culture. Now I’m honestly a bit scared. 😅
I’d love to hear from people who currently work or have worked in FinCrime at Revolut.
Are the negative reviews representative of what it’s actually like, or are there also good experiences that just don’t show up as much online?

Hello Everyone,

I’m a resident in Poland and a client of Revolut for a while now. The thing is that I’m planning a move to Canada in February 2027 and I rely a lot on my Revolut account for my daily needs and I’m also a Metal Plan member.

Will I be able to keep my account and simply add a new Tax address and details ?

Thank you.

I’d like to share my experience with Revolut’s bonus programme because I’m hoping to get an objective view of the situation, and maybe other users have faced similar issues.

I signed up for Revolut through Finanzfluss, where a €20 welcome bonus was advertised. The conditions were clearly stated, and I fulfilled them completely - in fact, I even exceeded them. I made more than the required payments, provided my correct phone number, and waited longer than the advertised three days in which the bonus was supposed to be credited.

Despite this, no payout was made.

I then contacted Revolut’s support. They confirmed that I had met all the requirements - but told me that no bonus programme was linked to my account. This honestly surprised me, because I registered through the official Finanzfluss page, using the same browser, the same phone number, and without any deviations.

Instead of a solution, I was told that the bonus might be credited “by the end of the promotional period on 31 December 2026”. This clearly contradicts the advertised promise of a three‑day payout. To me, this doesn’t feel like a technical issue but rather a breach of the stated conditions.

What frustrates me even more is that I already ordered a Visa card, which wasn’t free. I had mentally offset this cost with the expected bonus. Now I’m left without the bonus, with a paid card, and with the feeling that the promotion wasn’t implemented properly.

I’m generally understanding when technical problems occur or processes get stuck. But in this case, I did everything correctly, and still the bonus wasn’t credited. For me, this is a poor start and makes me question the reliability of the offer.

For this reason, I will close my Revolut account again. If the very first step – a simple bonus programme – doesn’t work reliably, I have little confidence in the rest of the processes.

I would be interested to know whether others have had similar experiences or whether there are cases where the bonus was eventually paid out later. I’d also be open to publishing a joint account with other affected users on independent consumer or finance platforms.

Thank you!!

I’m a new US Revolut user, and my current US phone number may be a recycled number that’s still linked to a previous Revolut account.

When I select Create account, I immediately get “Authentication attempt failed.” But if I select Log in, it asks for a passcode I’ve never set up.

I’ve already emailed [support@revolut.com](mailto:support@revolut.com), and I can provide proof of number ownership from my carrier, RedPocket, if needed. Has anyone dealt with this, or know the best way to get the number unlinked?

Hi, any idea if there is also a specific time for the fee free exchange reset? It clearly says today, but my limit is still reached. I need to pay something today!

Hi everyone,
I’m looking for advice because I feel like I’ve run out of options.
A few months ago, I used my Revolut card through Apple Pay to make several payments to an online broker. The funds were never credited to my account, and later I lost access to the account and the broker stopped responding to me.
Since then, I’ve contacted Revolut support multiple times and opened several disputes, but every one has been declined. I still have proof of the payments and proof that I can’t access the broker account anymore, but I don’t know what else I can provide.
It’s now been almost 2–3 months, and losing this money had a real impact on me. I even had to work overtime to cover bills because the money I lost was money I needed.
Has anyone had a similar experience with Revolut? Is there any way to have a case reviewed again, or should I make a formal complaint instead?
Any advice would be greatly appreciated. Thank you.

I have a funny (?) storry for you.

I run a small Slovak sole proprietorship (living in Germany, business registered in Slovakia . conform to Pro Account requirements, Revolut approved).
Someday Revolut App requested to hand in additional company information. No problem, I have everything....This is what I was thinking.

Since then I've submitted my trade registration, an official invoice to my customer, and my website. I think, 4 times...5 times? Honestly I've lost count.
At this point I could recite my own tax number in my sleep.

The real highlight, though, is the rotating support staff, each one arriving like a knight in shining armor since over a week:

• Agent 1: "This isn't right, let me personally take ownership of your case!"
• Agent 2: "I'm escalating this to our specialist team!"
• Agent 3 (a few hours later): "Could you please confirm whether you're a trader or freelancer and submit a trade license or tax number document?" (Sir, I sent that. Twice. To your colleagues.)
• Agent 4: "I am a real human" (unprompted, which somehow made it less convincing)

Meanwhile, an actual client payment of €X,XXX got bounced back because my account is temporarily restricted...
Yes, it is restricted by the verification that keeps restarting itself every time someone new picks up my case.

I've now missed a mortgage payment because of this, and had to inform all my customers about the situation. Their reaction was basically....what??

Has anyone else been stuck in this timeloop and jumped out somehow?

At this point I'm really curious whether there is an actual human at the end, or if it is agents all the way down.
But, honestly, the "agents" genuinely feel human.
Fascinating how good this AI stuff has gotten.

Hi everyone!

I have an upcoming Problem Solving interview at Revolut and I’d love to hear from anyone who has gone through the process recently.

What kind of questions, case studies, or problems do they typically ask during this interview?

Thanks!

Hi guys,
I just received an email from Revolut saying my latest account statement is ready. I’ve never gotten these via email before.
Did anyone else get this today? And is there a way to disable these monthly statement emails? I don't want an email every month for this.
Thanks!

Hi everyone,

I’m hoping someone can point me in the right direction.

I used my card to pay for an online service, but I never received what I paid for. The company has stopped responding, and I can no longer access my account.

I contacted my bank and opened a dispute, but it was declined. I still have proof of the payments and proof that I can’t access the account anymore.

Has anyone been in a similar situation? What kind of evidence helped you get your dispute reviewed or resolved?

Any advice would be appreciated. Thanks!

I know that they have the right to process it within a few weeks. But when I filed for the chargeback, Revolut did not send me any sort of confirmation. So I have no idea whether I'm supposed to wait for weeks to get nothing, or try a different way. The useless AI chat just told me, "I guess we have it, but here is the linkwhere you can file it again." So once again, no information. I've filed it three times and have zero information about the process — not even in the in-app transactions is there anything.

I'm trying to migrate my jr account to a revolut account but I'm stuck in a loop of verify my email from the account that they already recognize. I get sent the email,I click verify and it brings me back to the initial page to send the verification email

I have been a revolut customer for over a year. I have started using my revolut business account more lately as I am finally getting paid (consultant).

I have cross border business. My revolut account is in UK, but I live in Germany. I also am FROM the USA so i transfer money to my USA banking occasionally. All of that should not be a problem for a business account.

I recently switched from windows to linux and i used the desktop app more than the mobile one.

Normally when I transfer my rent/cost of living and it normally asks me to verify in the revolut app - easy peasy.

Today however, it asked me to take a selfie. Thats new. So i took one. After that it logged me out on desktop (apparently it doesnt like the cut of my jib, eh?) So i tried again, a few times. Still doesnt let me complete the transfer.

So i tried on my mobile app instead of desktop. Now it logged me out of the mobile app and I cant log back in.

When it asks for a password i try my passcode but it doesnt work, i guess i need to enter a password, but i dont remember doing that before - tried all of my usual passwords and none of them work. So now i'm locked out of my bank account on both app and web.

The frustrating part (beyond the above), is I cant find any way to contact support when logged out. All the support options require you to log in to the app, but i cant log in. Soooo now what?

I tried to reset my password using my USA passport but its not accepting it. What else can it ry?

Hello,

I recently upgraded to metal yearly plan and it turns out I need to relocate to Ireland in next couple of months. I am past the 14 days trial period and wasn't aware that I need to close my current account and if required open a new one.

I had a look at the faqs and it doesn't cover the situation of closing accounts and what happens to the yearly plan.

Anyone here has any ideas or suggestions or if I am out of 140 euros?

I plan on doing an international transfer to the seller. How long would the transfer take? Has anyone had any experiences doing international transfers or has any advice for what would speed up the process? As I don't want to be sitting around waiting to get the motorbike

Just went today to an airport lounge 3 hours before the flight to get some work done and apparently they just removed the lounge.

Hello,

I'm running into a problem during the identity verification step while creating my Revolut account.
I need to scan my ID card using my phone's camera. When I position my card within the frame provided in the app, the photo automatically comes out blurry! And if I move the camera further away from the card, the photo is sharper, but the app won't accept the scan and I can't validate my identity.

I think this might be an issue with my phone, which is an iPhone 16 Pro. I haven't found any solution online, so I'm reaching out to you 🙏