Revolut — Attraction in London

I used Revolut for over 5 years without ever contacting them for anything. I work in technology, I'm very comfortable with online and mobile banking and I had no problem at all using my phone for managing everything: savings, online purchases, bank transfers, etc.

I knew that, specially at the beginning, I was taking risks using them because money had no FSCS protection. This was all good for me because I valued the convenience they gave me. Things like disposable cards that I could use to pay for online purchase was ahead of their time and extremely valuable to me.

However, In June 2025, they updated the app and my phone wasn't compatible anymore. I tried to contact them several times and they simply said that I had to use a compatible phone. End of. No help or alternative ways provided.

It is true that I use a custom firmware on my android, but I tried to install the app on my wife's phone (not custom) and I also had to ask friends and family. It wouldn't work either. Custom/rooted phones is something they've blocked, but also they are expecting every phone to be on the latest version of everything. Noone I know has the latest iPhone or Samsung phone, so after bothering a few people, I had to give up and went back to Revolut.

I explained everything I'd tried and said I wanted to move all my money and close my account since Revolut wasn't an option for me anymore.

Guess what they said? You can do all that from the app! That's right, after explaining my situation, the agent simply said... do all that from the app. They couldn't care less.

And this is where my beef with Revolut starts and the reason for the 1 star. I don't agree with the checks they've implemented since June 2025. But this is ok, I can go elsewhere. Nowadays there are many alternatives.

But Revolut, without warning, locked me out of my account by tagging my phone as "dangerous". At the very least, they could've released a version that says... "careful, your phone will not be compatible in the next version, you have X days/weeks to migrate".

They didn't. They simply locked me out of my account and then wouldn't help regain access. They have no shame.

It was only when I threatened them with making a complaint with the Financial Ombudsman that they started moving a bit. But even after that, it took me more than 1 month to get my money transferred and the account closed. Lots of angry messages back and forth and 2 official complaints through their joke of a complaints procedure.

Ladies and gentlemen of Revolut. If you want to reply my message or ask me for more details or feedback, I'm happy to speak to you, but please don't waste my time or insult me by using any of the following:

"We take all feedback seriously" "all procedures were correctly followed" "we do this for your own safety" "we apologise for the inconvenience" "please reach out to the support team for further assistance"

or any similar nonsense. I'm not coming back, so don't waste your energy on me.

And before you reply anything at all, please read my complaint carefully. I believe that your "security" measures are absolutely and completely nonsensical, but my actual complaint is how much effort it took me to get to my money and that you were not moving a finger for me unless I used a compatible phone.

How you treated me is shameful and I will make sure that no-one I know will ever...

Dear Revolut Legal & Compliance Team,

This letter serves as a formal complaint regarding unauthorized transactions made on my bank account and your subsequent negligent, dismissive, and hostile handling of my repeated attempts to resolve this matter. I do not have an account with you nor have I ever made one. You have no right to take money from me.

I have already contacted your support team, only to be met with complete inaction and an unprofessional response that amounts to an abdication of your legal duties. I am hereby putting you on notice: unless this issue is resolved immediately and in full, I will pursue regulatory, legal, and reputational consequences with full force.

Summary of Complaint:

Revolut has fraudulently debited funds from my account without consent.

My requests for resolution were ignored or mocked, violating FCA’s consumer protection standards.

No investigation was conducted. Your conduct demonstrates willful negligence and systemic failure to uphold due diligence obligations.

You Are In Violation Of:

Financial Services and Markets Act 2000 (UK)

— Failure to treat customers fairly and maintain transparent complaint handling.

FCA Principles for Businesses

— Principle 6: Customers’ interests must be treated fairly

— Principle 7: Clear, fair and not misleading communications

Consumer Rights Act 2015

— Engaging in unfair commercial practices by failing to address legitimate financial concerns.

FOS Complaint Rules

— Refusal to follow proper escalation procedures.

You Have 7 Days to Respond With:

Full reimbursement of the unauthorized funds withdrawn.

A formal apology and documentation of the investigation.

Confirmation of which internal team or third party caused the transaction(s).

If I do not receive this within 7 calendar days, I will proceed with:

Filing a case with the Financial Ombudsman Service and include full correspondence.

Lodging a report with the FCA’s Enforcement Division for potential breach of your license obligations.

Publishing a public exposé with documented evidence across media platforms (Reddit, LinkedIn, Trustpilot, TikTok, X) detailing how Revolut engages in abusive practices and fails to protect its customers.

Initiating a pre-action legal letter through a solicitor for negligence and breach of statutory duty, including damages.

This is NOT a request. It is a notice of intent. You are expected to act lawfully, professionally, and immediately. I will NOT hesitate...

I can barely bring myself to select the 1 star !

I have had a Revolut account for a few months now. Initially on opening I also requested a pro account, but according to them the documentation provided wasn’t sufficient. Anyway, I have been using my main account to receive payments from customers along with my regular spending and general day to day purchases without issue. Yesterday they blocked a payment transferred from a customer and asked me to verify the transaction, I answered some questions and then they asked me to evidence it, so I uploaded an invoice relating to that transaction. They then advised they was going to review it and put a restriction on my account, returning the payment back to my customers bank account ! Earlier today, they emailed me at 11:38 to say all checks had been done and restrictions lifted shortly after which I tried to purchase a cat for my daughter for Christmas only to have that blocked and be told they have put further restrictions on my account !! They are now asking me to verify the source of my income even though all prior payments received have been authorised by the payees along with their banks !

I have around 5k in the Revolut account and have just tried to transfer 2k over to my Barclays account which they have also blocked !! I am absolutely furious, I have had to correspond with multiple people via their chat and so far have waited nearly two hours for a response as I have asked to transfer my money out and over to my Barclays account and then close my account with them as I have never ever experienced anything like it with any bank or account I have ever / or currently hold with another bank. I have openly asked if I am being accused of some kind of crime… because it very much feels that way and I cannot believe they are doing this with MY money on the final lead up to Christmas !! I was attracted to them initially due to the points thing and potential perks, but based on my experience in the last 24 hours I definitely will not be banking with them any further and want access to my money as to transfer it to Barclays or Monzo.

I would strongly advise anyone thinking of signing up with them to AVOID AT ALL COSTS AND DO NOT TRUST THEM WITH...