r/Revolut

(US)

Hi there:

I was wondering how one can avoid any fees using the app. Can one use apple pay or google pay using a credit card to avoid any fees?

How does the credit card recognize any transaction for services that one is paying for internationally.

Many thanks for all your suggestions.

Our corporate account (EMD INFOTECH LIMITED) has been completely restricted and our operational funds frozen for 23 consecutive days without a single explanation or warning.

As a technology company, our daily operations rely heavily on making critical, time-sensitive payments for cloud servers, data centers, and global developers. By locking us out of our own legally earned capital for over three weeks, Revolut Business is causing severe, irreversible commercial and financial damage to our company, disrupting our payroll and core infrastructure.

What is most unacceptable is the complete lack of professional diligence. We have repeatedly offered via chat to provide any invoices, contracts, or corporate documents required. Revolut's support explicitly confirmed in writing: "We have all that is required from you at this stage. No further action is required."

Furthermore, we filed an official complaint, and Revolut partially resolved it by awarding us a €55 compensation—a direct, written admission of their systemic delays and operational failure. Yet, despite paying compensation for their own mistake, their Compliance team continues to keep our funds hostage without any legal or judicial order.

We have fully cooperated, there are zero pending documents, and absolutely no suspicious activity. This abusive, disproportionate practice is intolerable. We are officially filing a dispute with the Bank of Lithuania (their regulatory authority) today.

Avoid Revolut Business if you want your company's funds to be safe and accessible.

I’m looking for some advice because I’m honestly at a loss.

This morning I noticed two charges from Malta Public Transport made at around 6:00 AM (I’m not even sure if that’s Romanian or Maltese time).

Here’s the problem:

• I am currently in Romania.
• I was in Malta about two months ago, but I haven’t been back since.
• I still have the physical card in my possession. It has never left me.

My first thought was that my card had been cloned, so I immediately:

• disputed both transactions with Revolut, and
• froze/blocked the card.

Revolut rejected the dispute, saying the transactions were PIN verified, which means I supposedly authorized them.

How is that even possible when I’m physically in another country and still have the card?

At this point it’s not even about the €4. It’s the principle. If a transaction can supposedly be PIN verified in Malta while both I and my card are in Romania, something is clearly wrong.

Has anyone experienced something similar?

What would be the next step?

• Escalate the complaint within Revolut?
• Contact the European Consumer Centre (ECC Europe)?
• File a complaint with the Bank of Lithuania, since Revolut is regulated there?
• Something else?

Any advice would be greatly appreciated.

Unfortunately, I’ve found conflicting information online.

If my ETFs generate capital gains, does Revolut automatically withhold and pay the taxes in Germany, just like other German brokers do?
From what I’ve read, this apparently wasn’t always the case. However, I also came across a few sources saying that this changed at some point.

Can anyone confirm how it works today?

Hi everyone, my Revolut account was recently forcefully closed and they forcefully liquidated (forced sale) my stock positions on June 2026, without giving me the opportunity to transfer them and without sending me any execution slip/trade confirmation.

I am currently in touch with a specialized law firm in Paris that is already representing other clients facing the exact same situation. We are looking to band together to launch a joint action and mutualize (share) the legal fees. If you are in this precise situation (forced liquidation of assets following an account closure), please send me a DM.

Phil

Revolut is asking for a US SSN/ITIN even though I’m not a US tax resident. Has this happened to anyone?

I’m a PhD student in the UK. I opened my Revolut account in 2023 when I was doing my master’s in the UK and completed all the required identity verification with my UK visa information. I’ve continued updating my visa details whenever required.

I receive monthly financial support from my dad and stepmom, who live in the US, to help cover my tuition and living expenses. That’s the only connection I have to the US.

Today I noticed a red flag in my personal information asking me to provide a US SSN or ITIN. Even stranger, my tax residency is listed as the US.
The problem is that I’m not a US tax resident. I’ve never even set foot in the US. I don’t have a US passport, SSN, ITIN, Green Card, or any US immigration status.

Has anyone else had Revolut incorrectly mark them as a US tax resident?
Could this have happened just because I receive money from family members in the US?
What’s the best way to get Revolut to correct this?
I’m a bit worried because I obviously can’t provide an SSN or ITIN that I don’t have.
Any advice would be appreciat

I am a Canadian about to begin work with the NHS in the UK. I have a Rev account that I set up in Ireland and currently only holds EUR. I'd like to have my first few paycheques (in GBP) deposited into my Rev account while I set up an account with a brick-and-mortar bank.

Is it possible to have an Irish-based Rev account used as my "receiving bank" for paycheques in GBP? I'm not certain if creating a GBP currency account within my main account would be sufficient.

Other info that may complicate things: I don't yet have a UK address or phone number. I could get a phone number but the address would be harder to confirm before moving there.

Just so this place isn't all complaints, with the Hungarian branch office going live, it's now possible to receive salaries directly in Revolut. Tested July 2 with our accountant, the transfer was booked at some ungodly time (02:37), but was received without any issues or holdup, and NAV (Hungary's IRS) didn't raise an eyebrow about it either.

Saw Klarna Max mentioned in a comment here on another ultra thread. Compared it properly against Ultra and its quite damning how poor Ultra is Value for Money.

Ultra @ £55/mo:Lounge access, FT, WeWork, NordVPN, Tinder Gold and Freeletics

Klarna Max @ £44.99/mo:Same lounge access, Condé Nast Bundle, The Times, Voi ebike credit, 1% cashback on debit. an Online Private GP Plus the one that surprised me: a genuinely unlimited phone plan. 5G data, calls, texts (20gb Global Roaming) all included.

Klarna Max replaces my phone contract too. So its £55 vs whatever's left over from £44.99 once you subtract the phone plan you'd otherwise be paying for anyway.

Also worth noting: if FT+NordVPN is the one perk you actually care about, Klarna Premium (their second tier) plus a Metal Revolut account still comes out cheaper than Ultra alone.

TL;DR: Ultra (£55) = lounges + FT + WeWork + NordVPN + Tinder Gold + Freeletics. Klarna Max (£44.99) = same lounges + Condé Nast + The Times + Voi + cashback + an actual unlimited phone plan with roaming. If you already pay for an unlimited SIM separately, Klarna Max absorbs that cost.

Hi everyone,
I’m in a really difficult situation right now. Revolut has frozen all of my funds without giving me a clear explanation, and I have no access to my money.
Because of this, I can’t pay my rent, my bills, or even cover my everyday expenses. It’s becoming a serious financial emergency.
What’s even more frustrating is that I can’t seem to reach a real human through customer support. Every time I contact them, I just get stuck talking to bots that keep giving me the same generic responses, and I can’t get any meaningful update or even an estimated timeframe.
Has anyone here experienced something similar? If so, how long did it take to get your account or funds unlocked? Were you eventually able to resolve the issue, and if yes, how?
I’m really stressed and would appreciate hearing about your experiences or any advice you might have.
Thank you.

I am posting this out of sheer desperation. Revolut is currently withholding my entire remaining balance, and my family is in an acute existential crisis. My main bank account is deep in overdraft because of this, and I literally have no money left to buy basic necessities and food for my 9-month-old baby.

Here are the absurd facts of my case:

• Locked since May 19, 2026: My account was restricted for a "standard security review".
• Zero Documents Requested: In over 45 days, the compliance team has not asked for a single document, payslip, or source of funds. Nothing.
• They admitted fault: I filed a formal complaint. On June 8, Revolut sent me their "Final Response Letter", officially admitting they made mistakes handling my case. They even paid me €100 as compensation for the trouble.
• But my main balance remains frozen: Despite closing the formal complaint and paying me off with a compensation fee, they refuse to unfreeze my actual money.

I have already submitted all evidence to the German Financial Supervisory Authority (BaFin) and filed an official case with the Ombudsman of Private Banks in Berlin. I have literally done everything by the book.

I don't even want to be a customer anymore. I just want my funds transferred back to my original bank account so I can feed my son.

The in-app support only sends automated copy-paste replies and refuses to manually escalate this to a human in compliance, even though I have stated multiple times that my child's basic needs are at risk.

u/RevolutSupport – I am begging you to look into this specific case manually. You have my formal complaint case number. Release my funds before this escalates into a complete tragedy for my family. Has anyone here experienced a similar nightmare and knows how to force them to close the account and return the funds?

i signed up to transfer £100 to bitcoin and litecoin around a week ago, waited the mandatory forty eight hours, but nothing happened. can anyone help?

I've been a Revolut Ultra user for a while and travel internationally at least once a month. Sometimes more.

The switch from DragonPass to LoungeKey has been a massive downgrade, and I genuinely don't understand the decision or how they will try to justify to existing EU/Asian customers.

In just my recent trips last 1.5 months:

- Tokyo Haneda Terminal 3 (the main international terminal): no lounge access.

- Berlin Brandenburg: Tempelhof Lounge is gone, along with the dedicated immigration/Fast Track benefit.

- London City Airport: no lounge and essentially no meaningful benefit.

- Sofia Airport: lounge access gone.

For a premium subscription that keeps getting more expensive, the travel benefits are moving in the opposite direction.

The lounge benefit was one of the main reasons I paid for Ultra. If this isn't improved, as soon as my contract expires in September, I'll be cancelling and moving to Priority Pass or an American Express Platinum, and I doubt I'll be the only one.

If anyone from Revolut is reading this: please stop degrading one of the key premium benefits. Premium customers are paying for convenience while travelling, not for a shrinking list of exclusions.

Is anyone else considering leaving Ultra because of this?

[GB] Has anyone been able to contact Revolut as my case Support@revolut wont handle its and say I need to go through Chat. Can't access chat as account is closed and they say you can access it anonymously but that doesnt work either. Got no other means of comms as the support just say they cannot handle the case. They have £271.87 of my money that got returned after my account was closed. Even emailed me to say they had it but I cannot get this from them

I opened a dispute with Revolut and wrote a long, detailed explanation of my situation, tried to cover every relevant point. The response came back really fast, which is nice, but it felt generic, like it wasn’t actually tailored to what I wrote.

Has anyone else had this experience? Is the first reply usually just an automated/triage step, or do they actually read everything at that stage? Did it get better once the case moved further along? Trying to figure out if I should be worried or if this is just how the early stage works.

Any insight from people who’ve been through the full process would help.

What’s the most valuable way to redeem Revolut RevPoints: flights, hotel stays, or something else?

Where do you usually find the best offers and the highest value per point?

I have Metal Plan

Please do no open a credit card in Ireland for an interest free balance transfer. They lie and it is not interest free . I was charged interest on a cash balance the following month after I completed a balance transfer. They refused to refund. Bullshit excuses