Consumer Rights Wiki - User contributions [en]

Revolut

2026-05-14T17:48:56Z

SCRIPTERBLOX: /* Repeated failure to prevent fraud */ Added Barcleys v Revolut customer base stats

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Type=Private
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|Industry=Digital Banking
|Logo=Revolut logo.svg
|Founded=2015-07-00}}

'''Revolut''' is a global financial technology company headquartered in London and founded in July 2015 by Nik Storonskiy and Vlad Yatsenko. As of March 2026, Revolut has over 70 million customers and supports transfers across more than 160 countries and regions. It was valued at $75 billion in November 2025. Its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==

===Forced app download===
The web experience cannot be used to make purchases, but only to check account balance, limited transaction history, control cards freezing, PIN lock, and other card security settings. This effectively forces the user to make use of the mobile app.<ref>{{Cite news |last=Gory |first=Colm |date=1 Dec 2020 |title=Revolut launches ‘highly requested’ web app for desktop users |url=https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |url-status=live |archive-url=https://web.archive.org/web/20250211014949/https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |archive-date=11 Feb 2025 |access-date=27 Mar 2026 |work=Silicon Republic |pages=3}}</ref>

===Freemium with personal data concerns===
Revolut earns money from subscriptions plans to access extra features. Most prominent being bigger withdrawal limits and travel insurance.<ref>{{Cite web |last=Emmanuel Chijioke |first=Peter |last2=Hipolito |first2=Mirjan |date=10 Feb 2025 |editor-last=Johnson |editor-first=BJ |title=Revolut Fees Review |url=https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |url-status=live |archive-url=https://web.archive.org/web/20250831230304/https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |archive-date=31 Aug 2025 |access-date=27 Mar 2026 |website=Traders Union}}</ref> Regardless of subscription status, Revolut optionally suggests that customers link their bank accounts to "give a complete picture of your spending and saving." While this access is read-only, it poses serious privacy concerns.<ref>{{Cite web |last=Dunne |first=Eithne |date=14 Mar 2021 |title=Put overspending to bed with a bank syncing app |url=https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |url-status=live |archive-url=https://web.archive.org/web/20251221134625/https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |archive-date=21 Dec 2025 |access-date=27 Mar 2026 |website=The Times and The Sunday Times}}</ref><ref name=":0">{{Cite web |date=12 Oct 2025 |title=Revolut |url=https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |url-status=live |archive-url=https://web.archive.org/web/20251012101646/https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |archive-date=12 Oct 2025 |access-date=12 Oct 2025 |website=εxodus}}</ref> Financial services are required by law to implement extensive Know Your Customer ([[wikipedia:Know_your_customer|KYC]]), but the issue of extracting ''more information than needed'' reflects a broader trend in the digital industry to lure customers into free services where sharing their personal information becomes the revenue strategy, effectively forcing unknowing customers to "pay with their data".<ref name=":0" /><ref>{{Cite web |last=Batista |first=Hugo |date=18 Apr 2020 |title=Revolut is sharing your data with Facebook. Here’s what you need to know. |url=https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |url-status=live |archive-url=https://web.archive.org/web/20260214222032/https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |archive-date=14 Feb 2026 |access-date=27 Mar 2026 |website=Medium}}</ref> Data which includes:
*Phone number
*Date of birth
*Email address
*Full legal name
*Home address
*Aircode
*ID
*Microphone permissions without disclosure as to why

=====Further data Collected:=====

*"details of the device you use (for example, your phone, computer or tablet)"
*IP address
*Browser type and version
*Time zone setting
*Device language
*Operating system and platform
*Type of device used
*Whether a virtual private network (VPN) is used
*A unique device identifier
*Mobile network information
*Mobile operating system
*Type of mobile browser you use
*Links clicked on the website or Revolut app (including date and time stamp)
*Length of visits to certain pages
*Page interaction information (such as scrolling and clicks)
*Methods used to browse away from the page
*Types of apps and other metadata about the device
*Information from devices contacts list
*Behavioural biometric data
*Detailed device settings
*GPS location <ref name=":1">{{Cite web |date=1 Jan 2025 |title=Revolut Privacy Policy |url=https://www.revolut.com/legal/privacy/ |url-status=live |archive-url=https://web.archive.org/web/20260220102621/https://www.revolut.com/legal/privacy/ |archive-date=20 Feb 2026 |access-date=27 Mar 2026 |website=Revolut}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

===Revolut verify ID email spam===
{{Main|Revolut verify ID email spam}}
When a customer does not complete their account setup Revolut sends them 7 emails to pressure them to finish account setup.

===Revolut blocking Lyca Mobile automated payment blocking===
{{Main|Revolut blocking Lyca Mobile automated payment blocking}}
Revolut explicitly disables the option to end automated payments to Lyca Mobile

==Repeated failure to prevent fraud==
Revolut has a repeated history of being one the most frequently named financial institutions in UK fraud complaints.<ref>{{Cite news |date=2024-08-14 |title=‘I lost £165k to fraud in an hour’ - customers say they were let down by Revolut |url=https://www.bbc.com/news/articles/cj6epzxdd77o |url-status=live |archive-url=https://web.archive.org/web/20260217213403/https://www.bbc.com/news/articles/cj6epzxdd77o |archive-date=2026-02-17 |access-date=2026-03-31 |work=BBC}}</ref><ref name=":2">{{Cite news |date=2024-04-24 |title=Revolut fraud complaints to Ombudsman outstrip all banks |url=https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |url-status=live |archive-url=https://web.archive.org/web/20260304131535/https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |archive-date=2026-03-04 |access-date=2026-03-31 |work=Which?}}</ref><ref>{{Cite web |title=DRN-4189491 |url=https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |url-status=live |archive-url=https://web.archive.org/web/20250827233450/https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |archive-date=2025-08-27 |access-date=2026-03-31 |website=Financial Ombudsman Service (UK)}}</ref> The number of complaints of fraud reported to [https://www.reportfraud.police.uk/ Action Fraud], the UK reporting centre for fraud and cybercrime, by Revolut customers rose from 567 in February 2023 to 1,086 for February 2024.<ref>{{Cite news |title=I'm a victim of scammers. But Revolut says 'no' to a refund |url=https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |url-status=live |archive-url=https://web.archive.org/web/20251201233704/https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |archive-date=2025-12-01 |access-date=2026-03-31 |work=The Guardian}}</ref> According to the Financial Ombudsman Service (FOS), it issued 3,458 fraud and scam-related 'views' to Revolut and its customers in 2023 surpassing any other provider.<ref name=":2" /> These issues arose in spite of the efforts in to combat fraud, by doubling the number of employs tasked to deal with the matter between 2021 and 2023.<ref>{{Cite news |date=2023-10-31 |title=Revolut doubles financial crime headcount since 2021 to combat fraud |url=https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |url-status=live |archive-url=https://web.archive.org/web/20250915090530/https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |archive-date=2025-09-15 |access-date=2026-03-31 |work=RTE}}</ref> These issues persisted into 2025 with 1,875 new cases on Revolut being more than 700 cases ahead of Barclays, this is whilst Revolut serves a significantly smaller customer base of around 12-13 million whilst Barclays serves more than 20 million.<ref>{{Cite news |last=Cavaglieri |first=Chiara |date=2025-10-01 |title=Revolut still the worst UK firm for fraud complaints, warns Which? |url=https://www.which.co.uk/news/article/revolut-still-the-worst-uk-firm-for-fraud-complaints-warns-which-axqr43W94wLn |url-status=live |archive-url=https://web.archive.org/web/20260424055527/https://www.which.co.uk/news/article/revolut-still-the-worst-uk-firm-for-fraud-complaints-warns-which-axqr43W94wLn |archive-date=2026-04-24 |access-date=2026-05-04 |work=Which?}}</ref><ref>{{Cite news |last=O'Connor |first=Kieran |date=2025-10-02 |title=Rising fraud disputes put Revolut back in the spotlight |url=https://paymentexpert.com/2025/10/02/app-fraud-disputes-revolut-uk/ |url-status=live |archive-date= |access-date=2025-10-02 |work=Payment Expert}}</ref>

Furthermore these issues spark concerns surrounding the aforementioned extensive data collection<ref name=":1" /> not being effective in preventing fraud.

==Poor customer support==
Whilst a broad trend in most industries, Revolut customer support is widely considered severely lacking. According to users most of the time they are put into a conversation with a bot and even if they manage to get through to a human their issues such as fraud will often be ignored<ref>{{Cite web |date=2026-04-26 |title=Revolut is the absolute pits when something goes wrong |url=https://www.reddit.com/r/ireland/comments/1stx2dg/revolut_is_the_absolute_pits_when_something_goes/ |url-status=live |archive-url=https://web.archive.org/web/20260504081220/https://www.reddit.com/r/ireland/comments/1stx2dg/revolut_is_the_absolute_pits_when_something_goes/?solution=53118598e5ad0f7953118598e5ad0f79&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da58617f0226add79df55361ad99316696a63a&jsc_orig_r= |archive-date=2026-05-04 |access-date=2026-05-04 |website=Reddit}}</ref> or they will be continuously told to escalate the ticket where this would repeat.<ref name=":3">{{Cite web |date=2025-08-01 |title=Has anyone had bad experiences with Revolut? |url=https://www.reddit.com/r/CasualIreland/comments/1nbsmnu/has_anyone_had_bad_experiences_with_revolut/ |url-status=live |archive-url=https://web.archive.org/web/20260504075218/https://www.reddit.com/r/CasualIreland/comments/1nbsmnu/has_anyone_had_bad_experiences_with_revolut/?solution=36349442c3f7bef136349442c3f7bef1&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da58616e08d8168d7144b1cca4aef7f2b3d72f&jsc_orig_r= |archive-date=2026-05-04 |access-date=2026-05-04 |website=Reddit}}</ref> In some cases customers claimed that support would poorly handle procedures such as transferring car insurance to another vehicle reportedly "two weeks after [the customer] returned it."<ref name=":3" />

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Aura

2026-05-13T13:40:38Z

SCRIPTERBLOX: Slightly expanded ==Consumer impact summary==

{{Stub}}
{{CompanyCargo
|Description=
|Founded=2014
|Industry=Identity theft prevention
|Logo=Aura logo.png
|ParentCompany=
|Type=Private
|Website=https://www.aura.com
}}

'''Aura''' is an American company founded by Hari Ravichandran in 2014 under the name '''iSubscribed'''.<ref>{{Cite web |author= |title=Who owns Aura? |url=https://help.aura.com/s/article/who-owns-aura |website=Aura |date= |access-date=28 Apr 2026 |url-status=live |archive-url=https://ghostarchive.org/archive/N0mGU |archive-date=29 Apr 2026}}</ref><ref>{{Cite web |author= |title=About Us {{!}} Aura - Digital Security |url=https://www.aura.com/about |website=Aura |date= |access-date=28 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260328213405/https://www.aura.com/about |archive-date=28 Mar 2026}}</ref>

==Consumer impact summary==
{{Ph-C-CIS}}

According to users, Aura locks users out of their accounts when they cancel their membership '''before''' it runs out whilst some users state that it is hard to cancel a subscription.<ref>{{Cite web |author=WastingTime76 |title=Identity Guard Aura - Don't do business with this company |url=https://old.reddit.com/r/IdentityTheft/comments/1ggqa8z/identity_guard_aura_dont_do_business_with_this/ |website=[[Reddit]] |date=31 Oct 2024 |access-date=28 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260429043703/https://old.reddit.com/r/IdentityTheft/comments/1ggqa8z/identity_guard_aura_dont_do_business_with_this/lus0e85/ |archive-date=29 Apr 2026}}</ref><ref>{{Cite web |author=Far_Wrongdoer2219 |title=Aura vs Others |url=https://old.reddit.com/r/IdentityTheft/comments/1cmubiz/aura_vs_others/ |website=[[Reddit]] |date=5 Dec 2024 |access-date=28 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260429045241/https://old.reddit.com/r/IdentityTheft/comments/1cmubiz/deleted_by_user/m0kcxnp/ |archive-date=29 Apr 2026}}</ref><ref>{{Cite web |author=TECPlayz2-0 |title=Aura - is it any good? |url=https://old.reddit.com/r/antivirus/comments/168w4no/aura_is_it_any_good/ |website=[[Reddit]] |date=3 Sep 2023 |access-date= |url-status=dead |archive-url=https://web.archive.org/web/20230924235708/https://old.reddit.com/r/antivirus/comments/168w4no/aura_is_it_any_good/ |archive-date=24 Sep 2023}}</ref><ref>{{Cite web |author=Defender452 |title=Aura sucks. Not only can you not cancel your Aura membership from the Android app. When you try to cancel through the website, the coloured button doesn't cancel, and it errors, making you call the phone number to cancel. |url=https://old.reddit.com/r/assholedesign/comments/12i8abi/aura_sucks_not_only_can_you_not_cancel_your_aura/ |website=[[Reddit]] |date=11 Apr 2023 |access-date=28 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260429051840/https://old.reddit.com/r/assholedesign/comments/12i8abi/aura_sucks_not_only_can_you_not_cancel_your_aura/ |archive-date=29 Apr 2026}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:Aura|Aura category]].

===Data breach (''March 2026'')===
{{Main|link to the main CR Wiki article}}

In March 2026, Aura experienced a data breach that exposed more than 900,000 records that contained names, e-mail addresses, IP addresses, phone numbers, physical addresses, and customer service comments.<ref>{{Cite web |last=Toulas |first=Bill |title=Aura confirms data breach exposing 900,000 marketing contacts |url=https://www.bleepingcomputer.com/news/security/aura-confirms-data-breach-exposing-900-000-marketing-contacts/ |website=BleepingComputer |date=18 Mar 2026 |access-date=27 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260318230519/https://www.bleepingcomputer.com/news/security/aura-confirms-data-breach-exposing-900-000-marketing-contacts/ |archive-date=18 Mar 2026}}</ref><ref>{{Cite web |author= |title=Aura Data Breach |url=https://haveibeenpwned.com/breach/Aura |website=Have I Been Pwned |date=18 March 2026 |access-date=28 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260321041145/https://haveibeenpwned.com/breach/Aura |archive-date=21 Mar 2026}}</ref><ref>{{Cite web |last=Arghire |first=Ionut |title=Security Firm Aura Discloses Data Breach Impacting 900,000 Records |url=https://www.securityweek.com/security-firm-aura-discloses-data-breach-impacting-900000-records/ |website=SecurityWeek |date=19 Mar 2026 |access-date=28 Apr 2026 |url-status=live |archive-url=https://web.archive.org/web/20260320045535/https://www.securityweek.com/security-firm-aura-discloses-data-breach-impacting-900000-records/ |archive-date=20 Mar 2026}}</ref>

==Products==
{{Ph-C-P}}

==See also==
{{Ph-C-SA}}

==References==
{{Reflist}}

[[Category:{{PAGENAME}}]]
[[Category:Companies]]

Facebook account recovery requires mobile phone verification with limited non-SMS alternatives

2026-05-13T13:28:49Z

SCRIPTERBLOX: changed wording to not sound LLM

{{SloppyAI}}
{{IncidentCargo
|Company=Meta Platforms
|StartDate=2020
|Status=Active
|ArticleType=Service
|Type=Accessibility, Security, Privacy
|Description=Facebook account recovery requires mobile phone verification with limited non-SMS alternatives
}}

==Summary==
Facebook account access and recovery procedures frequently require mobile phone verification via SMS codes, which prevents access for users without mobile devices. Critics argue that reliance on mobile authentication excludes some users and restricts access to personal data and communications. Documentation from Meta and independent sources confirms that SMS verification is widely used as a primary account recovery mechanism.

==Background==
Facebook is a social networking service operated by Meta Platforms Ireland Limited for users in the European Economic Area. The platform provides messaging, social networking, business communication, and identity services used by billions of people worldwide.

Account security systems on Facebook include two-factor authentication (2FA) and account recovery verification methods. These often rely on one-time codes delivered by SMS to a registered mobile phone number, particularly during login attempts marked as suspicious or account recovery procedures. (Meta Help Center)

Although alternative authentication methods such as authentication apps or security keys exist, these methods are not always available for account recovery or reactivation of locked accounts.

==Mandatory mobile verification for account access==
Facebook accounts become inaccessible if the registered mobile phone number is unavailable. In such cases, users are required to confirm identity through SMS-based verification codes, preventing access for individuals without a mobile phone.

Users who cannot receive SMS messages are be unable to:

*Access personal messages and contacts
*Restore locked or disabled accounts
*Use associated Meta services such as Instagram
*Maintain business communications

Because Facebook and Instagram function as major communication platforms, loss of account access can result in significant social and economic disruption.

Security documentation from Meta confirms that phone numbers are commonly used to verify identity and secure accounts.

Consumer advocates have criticized SMS-based authentication as both less secure than hardware-based authentication and exclusionary for users without mobile phones.

The systemic use of mobile verification demonstrates that the issue is a platform-wide policy rather than isolated incidents.

==Meta's response==
Meta states that phone-based verification helps protect accounts from unauthorized access and is widely accessible to users. The company provides documentation describing SMS verification as a primary authentication and recovery mechanism. (Meta Help Center)

Meta documentation indicates that additional authentication methods such as authentication apps and security keys may be available for some users, but these methods do not consistently replace mobile verification during account recovery. (Meta Help Center)

Meta has not published a clear policy guaranteeing a non-mobile account recovery pathway for users without access to a mobile phone.

==Consumer response==
Users have reported difficulty recovering accounts without mobile phone access in public support forums and technical discussions. These reports describe situations where users are unable to regain access without obtaining a mobile phone number.

Privacy and digital rights organizations have also raised concerns about SMS authentication, noting both security limitations and accessibility concerns.

The reliance on mobile phones for authentication has been described by commentators as a form of digital exclusion for individuals who do not use mobile devices for medical, privacy, or economic reasons.

==Lawsuit==
As of 2026, no publicly documented court ruling specifically addresses mandatory mobile authentication for Facebook account access in the European Union.

However, complaints regarding authentication and data access practices may be submitted to national data protection authorities under the General Data Protection Regulation ([[GDPR]]).

==References==
*Meta Help Center. "Two-factor authentication and login approvals."
https://www.facebook.com/help/148233965247823

*Meta Help Center. "Recover your Facebook account."
https://www.facebook.com/help/105487009541643

*Electronic Frontier Foundation. "The Problems with SMS-based Two-Factor Authentication."
https://www.eff.org/deeplinks/2016/07/one-time-codes-arent-enough

[[Category:Meta Platforms]]
[[Category:Accessibility issues]]
[[Category:Security issues]]
[[Category:Privacy issues]]

Windows installation USB drives

2026-05-13T13:19:51Z

SCRIPTERBLOX: M-dashes make it look like ChatGPT, also reformulated the second part of the ===Usage=== section to not look like a guide

{{ToneWarning}}
{{ProductCargo
|ArticleType=Product
|Category=Software, Hardware
|Company=Microsoft
|Description=
|InProduction=Yes
|Logo=Windows 11 22h2.jpeg
|ProductLine=Microsoft Windows
|ReleaseYear=2015
|Website=https://www.microsoft.com/en-us/d/windows-11-home/dg7gmgf0krt0
}}

Since the release of [[Windows]] 10, '''[[Microsoft]]''' has sold USB drives with an installer preloaded.<ref>{{Cite web |last=Shilov |first=Anton |title=Microsoft begins to sell Windows 10 on USB flash drives |url=https://www.kitguru.net/gaming/operating-systems/anton-shilov/microsoft-begins-to-sell-windows-10-on-usb-flash-drives/ |website=KitGuru |date=5 Sep 2015 |access-date=15 Jul 2025 |url-status=live |archive-url=https://web.archive.org/web/20150906120608/http://www.kitguru.net/gaming/operating-systems/anton-shilov/microsoft-begins-to-sell-windows-10-on-usb-flash-drives/ |archive-date=6 Sep 2015}}</ref> They are deeply write-protected, and have no official way to be formatted and reused for anything other than the manufacturing year's Windows installer, which inevitably become outdated.

==Controversy==
These drives are artificially unwritable, preventing expected reuse as USB flash drive storage. There is no indication on the '''Windows 11 22H2 USB drive box exterior''' that it is not re-writable.

Microsoft has sold millions of non-rewritable Windows USB drives, creating needless e-waste.{{Citation needed}}
[[File:Diskpart.png|thumb|Normal tools like Windows command prompt diskpart can't remove the write protection and it highlights how the current read-only state is not under its control.]]
Shortly after purchasing these drives, people turned to forums seeking help, unable to write to them no matter what they tried.<ref>{{Cite web
|last=Weisshar |first=Keith |title=Windows 10 Retail USB Drive |url=https://www.tenforums.com/installation-upgrade/14315-windows-10-retail-usb-drive.html |website=Windows TenForums |date=8 Aug 2015 |access-date=27 Mar 2025 |url-status=live |archive-url=https://web.archive.org/web/20220522023250/https://www.tenforums.com/installation-upgrade/14315-windows-10-retail-usb-drive.html |archive-date=22 May 2022}}</ref>

==An untrustworthy solution==
By late 2016, equally locked down {{Wplink|Original equipment manufacturer|OEM}} Windows recovery USB drives were noted to be using {{Wplink|Phison}} controllers, which a proprietary program for Windows called Phison MPALL can low level format into a writable state.<ref>{{Cite web |author=Jeff |title=How to Disable the Write Protection on Dell Windows 10 USB Recovery Sticks - ROUND 4 |url=http://www.techunboxed.com/2016/09/how-to-disable-write-protection-on-dell.html |website=tech unboxed |date=27 Sep 2016 |access-date=15 Jul 2025 |url-status=live |archive-url=https://web.archive.org/web/20161013173716/http://www.techunboxed.com/2016/09/how-to-disable-write-protection-on-dell.html |archive-date=13 Oct 2016}}</ref> The same applied for the retail installer drives.

Since '''Phison's website does not distribute nor mention the program at all''', there's no way to know for sure that an unofficially redistributed version doesn't have {{Wplink|malware}} packed in or even if Phison made the software. It would be need to be used ''at the user's own risk'', preferably on a device with no sensitive data, and no passwords saved including Microsoft accounts (using workarounds to create a local account) and do another fresh install of Windows / wipe the main drive when finished with MPALL because some malware scan sites claim it installs a driver.<ref>{{Cite web |author= |title=Malware analysis Phison_MPALL_v5.13.0C.rar |url=https://any.run/report/9670e21a30a78af57e5c4b4a702da1e8e8bf587cbc66a837b9e172f3b1a1182b/3fee59f4-c6ab-4cd1-88cc-bf433869f4b5 |website=Any Run |date=22 Jan 2025 |access-date=15 Jul 2025 |url-status=live |archive-url=https://web.archive.org/web/20250708194646/https://any.run/report/9670e21a30a78af57e5c4b4a702da1e8e8bf587cbc66a837b9e172f3b1a1182b/3fee59f4-c6ab-4cd1-88cc-bf433869f4b5 |archive-date=8 Jul 2025}}</ref>

===Usage===
Phison MPALL can brick the USB drive if GetInfo.exe's part data (which should be included with MPALL's unofficial redistributions) doesn't match what's inputted into the low level formatting settings. It can also stall and fail for no apparent reason even if the user has followed instructions, which is sometimes recoverable by un-plugging and then re-plugging the drive and pressing the update button to refresh the drive list before trying again with the same settings.

Each attempt can take more than an hour and a half. The user should not close MPALL or power off Windows (including preventing Windows idle power settings from shutting down on its own) during the low level formatting.

[https://youtube.com/watch?v=VmyAHmCvILA&t=187 This YouTube video appears to be the best guide on how to use Phison MPALL.] Ignore their use of chipgenius and skip to 3 minutes and 7 seconds in, as it's been known for nearly 9 years that these are Phison drives so the included GetInfo.exe should be all that's needed to obtain the correct part number and USB type to input.

==References==
{{Reflist}}

[[Category:Microsoft Windows]]
[[Category:Microsoft]]

Revolut

2026-05-13T13:03:06Z

SCRIPTERBLOX: Added precise amount of emails sent for *Revolut verify email spam*

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Type=Private
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|Industry=Digital Banking
|Logo=Revolut logo.svg
|Founded=2015-07-00}}

'''Revolut''' is a global financial technology company headquartered in London and founded in July 2015 by Nik Storonskiy and Vlad Yatsenko. As of March 2026, Revolut has over 70 million customers and supports transfers across more than 160 countries and regions. It was valued at $75 billion in November 2025. Its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==

===Forced app download===
The web experience cannot be used to make purchases, but only to check account balance, limited transaction history, control cards freezing, PIN lock, and other card security settings. This effectively forces the user to make use of the mobile app.<ref>{{Cite news |last=Gory |first=Colm |date=1 Dec 2020 |title=Revolut launches ‘highly requested’ web app for desktop users |url=https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |url-status=live |archive-url=https://web.archive.org/web/20250211014949/https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |archive-date=11 Feb 2025 |access-date=27 Mar 2026 |work=Silicon Republic |pages=3}}</ref>

===Freemium with personal data concerns===
Revolut earns money from subscriptions plans to access extra features. Most prominent being bigger withdrawal limits and travel insurance.<ref>{{Cite web |last=Emmanuel Chijioke |first=Peter |last2=Hipolito |first2=Mirjan |date=10 Feb 2025 |editor-last=Johnson |editor-first=BJ |title=Revolut Fees Review |url=https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |url-status=live |archive-url=https://web.archive.org/web/20250831230304/https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |archive-date=31 Aug 2025 |access-date=27 Mar 2026 |website=Traders Union}}</ref> Regardless of subscription status, Revolut optionally suggests that customers link their bank accounts to "give a complete picture of your spending and saving." While this access is read-only, it poses serious privacy concerns.<ref>{{Cite web |last=Dunne |first=Eithne |date=14 Mar 2021 |title=Put overspending to bed with a bank syncing app |url=https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |url-status=live |archive-url=https://web.archive.org/web/20251221134625/https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |archive-date=21 Dec 2025 |access-date=27 Mar 2026 |website=The Times and The Sunday Times}}</ref><ref name=":0">{{Cite web |date=12 Oct 2025 |title=Revolut |url=https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |url-status=live |archive-url=https://web.archive.org/web/20251012101646/https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |archive-date=12 Oct 2025 |access-date=12 Oct 2025 |website=εxodus}}</ref> Financial services are required by law to implement extensive Know Your Customer ([[wikipedia:Know_your_customer|KYC]]), but the issue of extracting ''more information than needed'' reflects a broader trend in the digital industry to lure customers into free services where sharing their personal information becomes the revenue strategy, effectively forcing unknowing customers to "pay with their data".<ref name=":0" /><ref>{{Cite web |last=Batista |first=Hugo |date=18 Apr 2020 |title=Revolut is sharing your data with Facebook. Here’s what you need to know. |url=https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |url-status=live |archive-url=https://web.archive.org/web/20260214222032/https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |archive-date=14 Feb 2026 |access-date=27 Mar 2026 |website=Medium}}</ref> Data which includes:
*Phone number
*Date of birth
*Email address
*Full legal name
*Home address
*Aircode
*ID
*Microphone permissions without disclosure as to why

=====Further data Collected:=====

*"details of the device you use (for example, your phone, computer or tablet)"
*IP address
*Browser type and version
*Time zone setting
*Device language
*Operating system and platform
*Type of device used
*Whether a virtual private network (VPN) is used
*A unique device identifier
*Mobile network information
*Mobile operating system
*Type of mobile browser you use
*Links clicked on the website or Revolut app (including date and time stamp)
*Length of visits to certain pages
*Page interaction information (such as scrolling and clicks)
*Methods used to browse away from the page
*Types of apps and other metadata about the device
*Information from devices contacts list
*Behavioural biometric data
*Detailed device settings
*GPS location <ref name=":1">{{Cite web |date=1 Jan 2025 |title=Revolut Privacy Policy |url=https://www.revolut.com/legal/privacy/ |url-status=live |archive-url=https://web.archive.org/web/20260220102621/https://www.revolut.com/legal/privacy/ |archive-date=20 Feb 2026 |access-date=27 Mar 2026 |website=Revolut}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

===Revolut verify ID email spam===
{{Main|Revolut verify ID email spam}}
When a customer does not complete their account setup Revolut sends them 7 emails to pressure them to finish account setup.

===Revolut blocking Lyca Mobile automated payment blocking===
{{Main|Revolut blocking Lyca Mobile automated payment blocking}}
Revolut explicitly disables the option to end automated payments to Lyca Mobile

==Repeated failure to prevent fraud==
Revolut has a repeated history of being one the most frequently named financial institutions in UK fraud complaints.<ref>{{Cite news |date=2024-08-14 |title=‘I lost £165k to fraud in an hour’ - customers say they were let down by Revolut |url=https://www.bbc.com/news/articles/cj6epzxdd77o |url-status=live |archive-url=https://web.archive.org/web/20260217213403/https://www.bbc.com/news/articles/cj6epzxdd77o |archive-date=2026-02-17 |access-date=2026-03-31 |work=BBC}}</ref><ref name=":2">{{Cite news |date=2024-04-24 |title=Revolut fraud complaints to Ombudsman outstrip all banks |url=https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |url-status=live |archive-url=https://web.archive.org/web/20260304131535/https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |archive-date=2026-03-04 |access-date=2026-03-31 |work=Which?}}</ref><ref>{{Cite web |title=DRN-4189491 |url=https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |url-status=live |archive-url=https://web.archive.org/web/20250827233450/https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |archive-date=2025-08-27 |access-date=2026-03-31 |website=Financial Ombudsman Service (UK)}}</ref> The number of complaints of fraud reported to [https://www.reportfraud.police.uk/ Action Fraud], the UK reporting centre for fraud and cybercrime, by Revolut customers rose from 567 in February 2023 to 1,086 for February 2024.<ref>{{Cite news |title=I'm a victim of scammers. But Revolut says 'no' to a refund |url=https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |url-status=live |archive-url=https://web.archive.org/web/20251201233704/https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |archive-date=2025-12-01 |access-date=2026-03-31 |work=The Guardian}}</ref> According to the Financial Ombudsman Service (FOS), it issued 3,458 fraud and scam-related 'views' to Revolut and its customers in 2023 surpassing any other provider.<ref name=":2" /> These issues arose in spite of the efforts in to combat fraud, by doubling the number of employs tasked to deal with the matter between 2021 and 2023.<ref>{{Cite news |date=2023-10-31 |title=Revolut doubles financial crime headcount since 2021 to combat fraud |url=https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |url-status=live |archive-url=https://web.archive.org/web/20250915090530/https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |archive-date=2025-09-15 |access-date=2026-03-31 |work=RTE}}</ref> These issues persisted into 2025 with 1,875 new cases with Revolut.<ref>{{Cite news |last=Cavaglieri |first=Chiara |date=2025-10-01 |title=Revolut still the worst UK firm for fraud complaints, warns Which? |url=https://www.which.co.uk/news/article/revolut-still-the-worst-uk-firm-for-fraud-complaints-warns-which-axqr43W94wLn |url-status=live |archive-url=https://web.archive.org/web/20260424055527/https://www.which.co.uk/news/article/revolut-still-the-worst-uk-firm-for-fraud-complaints-warns-which-axqr43W94wLn |archive-date=2026-04-24 |access-date=2026-05-04 |work=Which?}}</ref>

Furthermore these issues spark concerns surrounding the aforementioned extensive data collection<ref name=":1" /> not being effective in preventing fraud.

==Poor customer support==
Whilst a broad trend in most industries, Revolut customer support is widely considered severely lacking. According to users most of the time they are put into a conversation with a bot and even if they manage to get through to a human their issues such as fraud will often be ignored<ref>{{Cite web |date=2026-04-26 |title=Revolut is the absolute pits when something goes wrong |url=https://www.reddit.com/r/ireland/comments/1stx2dg/revolut_is_the_absolute_pits_when_something_goes/ |url-status=live |archive-url=https://web.archive.org/web/20260504081220/https://www.reddit.com/r/ireland/comments/1stx2dg/revolut_is_the_absolute_pits_when_something_goes/?solution=53118598e5ad0f7953118598e5ad0f79&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da58617f0226add79df55361ad99316696a63a&jsc_orig_r= |archive-date=2026-05-04 |access-date=2026-05-04 |website=Reddit}}</ref> or they will be continuously told to escalate the ticket where this would repeat.<ref name=":3">{{Cite web |date=2025-08-01 |title=Has anyone had bad experiences with Revolut? |url=https://www.reddit.com/r/CasualIreland/comments/1nbsmnu/has_anyone_had_bad_experiences_with_revolut/ |url-status=live |archive-url=https://web.archive.org/web/20260504075218/https://www.reddit.com/r/CasualIreland/comments/1nbsmnu/has_anyone_had_bad_experiences_with_revolut/?solution=36349442c3f7bef136349442c3f7bef1&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da58616e08d8168d7144b1cca4aef7f2b3d72f&jsc_orig_r= |archive-date=2026-05-04 |access-date=2026-05-04 |website=Reddit}}</ref> In some cases customers claimed that support would poorly handle procedures such as transferring car insurance to another vehicle reportedly "two weeks after [the customer] returned it."<ref name=":3" />

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-05-06T06:27:02Z

SCRIPTERBLOX: Expanded "Poor customer support" section

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Type=Private
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|Industry=Digital Banking
|Logo=Revolut logo.svg
|Founded=2015-07-00}}

'''Revolut''' is a global financial technology company headquartered in London and founded in July 2015 by Nik Storonskiy and Vlad Yatsenko. As of March 2026, Revolut has over 70 million customers and supports transfers across more than 160 countries and regions. It was valued at $75 billion in November 2025. Its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==

===Forced app download===
The web experience cannot be used to make purchases, but only to check account balance, limited transaction history, control cards freezing, PIN lock, and other card security settings. This effectively forces the user to make use of the mobile app.<ref>{{Cite news |last=Gory |first=Colm |date=1 Dec 2020 |title=Revolut launches ‘highly requested’ web app for desktop users |url=https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |url-status=live |archive-url=https://web.archive.org/web/20250211014949/https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |archive-date=11 Feb 2025 |access-date=27 Mar 2026 |work=Silicon Republic |pages=3}}</ref>

===Freemium with personal data concerns===
Revolut earns money from subscriptions plans to access extra features. Most prominent being bigger withdrawal limits and travel insurance.<ref>{{Cite web |last=Emmanuel Chijioke |first=Peter |last2=Hipolito |first2=Mirjan |date=10 Feb 2025 |editor-last=Johnson |editor-first=BJ |title=Revolut Fees Review |url=https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |url-status=live |archive-url=https://web.archive.org/web/20250831230304/https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |archive-date=31 Aug 2025 |access-date=27 Mar 2026 |website=Traders Union}}</ref> Regardless of subscription status, Revolut optionally suggests that customers link their bank accounts to "give a complete picture of your spending and saving." While this access is read-only, it poses serious privacy concerns.<ref>{{Cite web |last=Dunne |first=Eithne |date=14 Mar 2021 |title=Put overspending to bed with a bank syncing app |url=https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |url-status=live |archive-url=https://web.archive.org/web/20251221134625/https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |archive-date=21 Dec 2025 |access-date=27 Mar 2026 |website=The Times and The Sunday Times}}</ref><ref name=":0">{{Cite web |date=12 Oct 2025 |title=Revolut |url=https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |url-status=live |archive-url=https://web.archive.org/web/20251012101646/https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |archive-date=12 Oct 2025 |access-date=12 Oct 2025 |website=εxodus}}</ref> Financial services are required by law to implement extensive Know Your Customer ([[wikipedia:Know_your_customer|KYC]]), but the issue of extracting ''more information than needed'' reflects a broader trend in the digital industry to lure customers into free services where sharing their personal information becomes the revenue strategy, effectively forcing unknowing customers to "pay with their data".<ref name=":0" /><ref>{{Cite web |last=Batista |first=Hugo |date=18 Apr 2020 |title=Revolut is sharing your data with Facebook. Here’s what you need to know. |url=https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |url-status=live |archive-url=https://web.archive.org/web/20260214222032/https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |archive-date=14 Feb 2026 |access-date=27 Mar 2026 |website=Medium}}</ref> Data which includes:
*Phone number
*Date of birth
*Email address
*Full legal name
*Home address
*Aircode
*ID
*Microphone permissions without disclosure as to why

=====Further data Collected:=====

*"details of the device you use (for example, your phone, computer or tablet)"
*IP address
*Browser type and version
*Time zone setting
*Device language
*Operating system and platform
*Type of device used
*Whether a virtual private network (VPN) is used
*A unique device identifier
*Mobile network information
*Mobile operating system
*Type of mobile browser you use
*Links clicked on the website or Revolut app (including date and time stamp)
*Length of visits to certain pages
*Page interaction information (such as scrolling and clicks)
*Methods used to browse away from the page
*Types of apps and other metadata about the device
*Information from devices contacts list
*Behavioural biometric data
*Detailed device settings
*GPS location <ref name=":1">{{Cite web |date=1 Jan 2025 |title=Revolut Privacy Policy |url=https://www.revolut.com/legal/privacy/ |url-status=live |archive-url=https://web.archive.org/web/20260220102621/https://www.revolut.com/legal/privacy/ |archive-date=20 Feb 2026 |access-date=27 Mar 2026 |website=Revolut}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

===Revolut verify ID email spam===
{{Main|Revolut verify ID email spam}}
When a customer does not complete their account setup Revolut sends them emails to pressure them to finish account setup.

===Revolut blocking Lyca Mobile automated payment blocking===
{{Main|Revolut blocking Lyca Mobile automated payment blocking}}
Revolut explicitly disables the option to end automated payments to Lyca Mobile

==Repeated failure to prevent fraud==
Revolut has a repeated history of being one the most frequently named financial institutions in UK fraud complaints.<ref>{{Cite news |date=2024-08-14 |title=‘I lost £165k to fraud in an hour’ - customers say they were let down by Revolut |url=https://www.bbc.com/news/articles/cj6epzxdd77o |url-status=live |archive-url=https://web.archive.org/web/20260217213403/https://www.bbc.com/news/articles/cj6epzxdd77o |archive-date=2026-02-17 |access-date=2026-03-31 |work=BBC}}</ref><ref name=":2">{{Cite news |date=2024-04-24 |title=Revolut fraud complaints to Ombudsman outstrip all banks |url=https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |url-status=live |archive-url=https://web.archive.org/web/20260304131535/https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |archive-date=2026-03-04 |access-date=2026-03-31 |work=Which?}}</ref><ref>{{Cite web |title=DRN-4189491 |url=https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |url-status=live |archive-url=https://web.archive.org/web/20250827233450/https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |archive-date=2025-08-27 |access-date=2026-03-31 |website=Financial Ombudsman Service (UK)}}</ref> The number of complaints of fraud reported to [https://www.reportfraud.police.uk/ Action Fraud], the UK reporting centre for fraud and cybercrime, by Revolut customers rose from 567 in February 2023 to 1,086 for February 2024.<ref>{{Cite news |title=I'm a victim of scammers. But Revolut says 'no' to a refund |url=https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |url-status=live |archive-url=https://web.archive.org/web/20251201233704/https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |archive-date=2025-12-01 |access-date=2026-03-31 |work=The Guardian}}</ref> According to the Financial Ombudsman Service (FOS), it issued 3,458 fraud and scam-related 'views' to Revolut and its customers in 2023 surpassing any other provider.<ref name=":2" /> These issues arose in spite of the efforts in to combat fraud, by doubling the number of employs tasked to deal with the matter between 2021 and 2023.<ref>{{Cite news |date=2023-10-31 |title=Revolut doubles financial crime headcount since 2021 to combat fraud |url=https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |url-status=live |archive-url=https://web.archive.org/web/20250915090530/https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |archive-date=2025-09-15 |access-date=2026-03-31 |work=RTE}}</ref> These issues persisted into 2025 with 1,875 new cases with Revolut.<ref>{{Cite news |last=Cavaglieri |first=Chiara |date=2025-10-01 |title=Revolut still the worst UK firm for fraud complaints, warns Which? |url=https://www.which.co.uk/news/article/revolut-still-the-worst-uk-firm-for-fraud-complaints-warns-which-axqr43W94wLn |url-status=live |archive-url=https://web.archive.org/web/20260424055527/https://www.which.co.uk/news/article/revolut-still-the-worst-uk-firm-for-fraud-complaints-warns-which-axqr43W94wLn |archive-date=2026-04-24 |access-date=2026-05-04 |work=Which?}}</ref>

Furthermore these issues spark concerns surrounding the aforementioned extensive data collection<ref name=":1" /> not being effective in preventing fraud.

==Poor customer support==
Whilst a broad trend in most industries, Revolut customer support is widely considered severely lacking. According to users most of the time they are put into a conversation with a bot and even if they manage to get through to a human their issues such as fraud will often be ignored<ref>{{Cite web |date=2026-04-26 |title=Revolut is the absolute pits when something goes wrong |url=https://www.reddit.com/r/ireland/comments/1stx2dg/revolut_is_the_absolute_pits_when_something_goes/ |url-status=live |archive-url=https://web.archive.org/web/20260504081220/https://www.reddit.com/r/ireland/comments/1stx2dg/revolut_is_the_absolute_pits_when_something_goes/?solution=53118598e5ad0f7953118598e5ad0f79&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da58617f0226add79df55361ad99316696a63a&jsc_orig_r= |archive-date=2026-05-04 |access-date=2026-05-04 |website=Reddit}}</ref> or they will be continuously told to escalate the ticket where this would repeat.<ref name=":3">{{Cite web |date=2025-08-01 |title=Has anyone had bad experiences with Revolut? |url=https://www.reddit.com/r/CasualIreland/comments/1nbsmnu/has_anyone_had_bad_experiences_with_revolut/ |url-status=live |archive-url=https://web.archive.org/web/20260504075218/https://www.reddit.com/r/CasualIreland/comments/1nbsmnu/has_anyone_had_bad_experiences_with_revolut/?solution=36349442c3f7bef136349442c3f7bef1&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da58616e08d8168d7144b1cca4aef7f2b3d72f&jsc_orig_r= |archive-date=2026-05-04 |access-date=2026-05-04 |website=Reddit}}</ref> In some cases customers claimed that support would poorly handle procedures such as transferring car insurance to another vehicle reportedly "two weeks after [the customer] returned it."<ref name=":3" />

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-05-06T06:23:08Z

SCRIPTERBLOX: Made grammar more legible in "Poor customer support" section

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Type=Private
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|Industry=Digital Banking
|Logo=Revolut logo.svg
|Founded=2015-07-00}}

'''Revolut''' is a global financial technology company headquartered in London and founded in July 2015 by Nik Storonskiy and Vlad Yatsenko. As of March 2026, Revolut has over 70 million customers and supports transfers across more than 160 countries and regions. It was valued at $75 billion in November 2025. Its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==

===Forced app download===
The web experience cannot be used to make purchases, but only to check account balance, limited transaction history, control cards freezing, PIN lock, and other card security settings. This effectively forces the user to make use of the mobile app.<ref>{{Cite news |last=Gory |first=Colm |date=1 Dec 2020 |title=Revolut launches ‘highly requested’ web app for desktop users |url=https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |url-status=live |archive-url=https://web.archive.org/web/20250211014949/https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |archive-date=11 Feb 2025 |access-date=27 Mar 2026 |work=Silicon Republic |pages=3}}</ref>

===Freemium with personal data concerns===
Revolut earns money from subscriptions plans to access extra features. Most prominent being bigger withdrawal limits and travel insurance.<ref>{{Cite web |last=Emmanuel Chijioke |first=Peter |last2=Hipolito |first2=Mirjan |date=10 Feb 2025 |editor-last=Johnson |editor-first=BJ |title=Revolut Fees Review |url=https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |url-status=live |archive-url=https://web.archive.org/web/20250831230304/https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |archive-date=31 Aug 2025 |access-date=27 Mar 2026 |website=Traders Union}}</ref> Regardless of subscription status, Revolut optionally suggests that customers link their bank accounts to "give a complete picture of your spending and saving." While this access is read-only, it poses serious privacy concerns.<ref>{{Cite web |last=Dunne |first=Eithne |date=14 Mar 2021 |title=Put overspending to bed with a bank syncing app |url=https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |url-status=live |archive-url=https://web.archive.org/web/20251221134625/https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |archive-date=21 Dec 2025 |access-date=27 Mar 2026 |website=The Times and The Sunday Times}}</ref><ref name=":0">{{Cite web |date=12 Oct 2025 |title=Revolut |url=https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |url-status=live |archive-url=https://web.archive.org/web/20251012101646/https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |archive-date=12 Oct 2025 |access-date=12 Oct 2025 |website=εxodus}}</ref> Financial services are required by law to implement extensive Know Your Customer ([[wikipedia:Know_your_customer|KYC]]), but the issue of extracting ''more information than needed'' reflects a broader trend in the digital industry to lure customers into free services where sharing their personal information becomes the revenue strategy, effectively forcing unknowing customers to "pay with their data".<ref name=":0" /><ref>{{Cite web |last=Batista |first=Hugo |date=18 Apr 2020 |title=Revolut is sharing your data with Facebook. Here’s what you need to know. |url=https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |url-status=live |archive-url=https://web.archive.org/web/20260214222032/https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |archive-date=14 Feb 2026 |access-date=27 Mar 2026 |website=Medium}}</ref> Data which includes:
*Phone number
*Date of birth
*Email address
*Full legal name
*Home address
*Aircode
*ID
*Microphone permissions without disclosure as to why

=====Further data Collected:=====

*"details of the device you use (for example, your phone, computer or tablet)"
*IP address
*Browser type and version
*Time zone setting
*Device language
*Operating system and platform
*Type of device used
*Whether a virtual private network (VPN) is used
*A unique device identifier
*Mobile network information
*Mobile operating system
*Type of mobile browser you use
*Links clicked on the website or Revolut app (including date and time stamp)
*Length of visits to certain pages
*Page interaction information (such as scrolling and clicks)
*Methods used to browse away from the page
*Types of apps and other metadata about the device
*Information from devices contacts list
*Behavioural biometric data
*Detailed device settings
*GPS location <ref name=":1">{{Cite web |date=1 Jan 2025 |title=Revolut Privacy Policy |url=https://www.revolut.com/legal/privacy/ |url-status=live |archive-url=https://web.archive.org/web/20260220102621/https://www.revolut.com/legal/privacy/ |archive-date=20 Feb 2026 |access-date=27 Mar 2026 |website=Revolut}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

===Revolut verify ID email spam===
{{Main|Revolut verify ID email spam}}
When a customer does not complete their account setup Revolut sends them emails to pressure them to finish account setup.

===Revolut blocking Lyca Mobile automated payment blocking===
{{Main|Revolut blocking Lyca Mobile automated payment blocking}}
Revolut explicitly disables the option to end automated payments to Lyca Mobile

==Repeated failure to prevent fraud==
Revolut has a repeated history of being one the most frequently named financial institutions in UK fraud complaints.<ref>{{Cite news |date=2024-08-14 |title=‘I lost £165k to fraud in an hour’ - customers say they were let down by Revolut |url=https://www.bbc.com/news/articles/cj6epzxdd77o |url-status=live |archive-url=https://web.archive.org/web/20260217213403/https://www.bbc.com/news/articles/cj6epzxdd77o |archive-date=2026-02-17 |access-date=2026-03-31 |work=BBC}}</ref><ref name=":2">{{Cite news |date=2024-04-24 |title=Revolut fraud complaints to Ombudsman outstrip all banks |url=https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |url-status=live |archive-url=https://web.archive.org/web/20260304131535/https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |archive-date=2026-03-04 |access-date=2026-03-31 |work=Which?}}</ref><ref>{{Cite web |title=DRN-4189491 |url=https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |url-status=live |archive-url=https://web.archive.org/web/20250827233450/https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |archive-date=2025-08-27 |access-date=2026-03-31 |website=Financial Ombudsman Service (UK)}}</ref> The number of complaints of fraud reported to [https://www.reportfraud.police.uk/ Action Fraud], the UK reporting centre for fraud and cybercrime, by Revolut customers rose from 567 in February 2023 to 1,086 for February 2024.<ref>{{Cite news |title=I'm a victim of scammers. But Revolut says 'no' to a refund |url=https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |url-status=live |archive-url=https://web.archive.org/web/20251201233704/https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |archive-date=2025-12-01 |access-date=2026-03-31 |work=The Guardian}}</ref> According to the Financial Ombudsman Service (FOS), it issued 3,458 fraud and scam-related 'views' to Revolut and its customers in 2023 surpassing any other provider.<ref name=":2" /> These issues arose in spite of the efforts in to combat fraud, by doubling the number of employs tasked to deal with the matter between 2021 and 2023.<ref>{{Cite news |date=2023-10-31 |title=Revolut doubles financial crime headcount since 2021 to combat fraud |url=https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |url-status=live |archive-url=https://web.archive.org/web/20250915090530/https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |archive-date=2025-09-15 |access-date=2026-03-31 |work=RTE}}</ref> These issues persisted into 2025 with 1,875 new cases with Revolut.<ref>{{Cite news |last=Cavaglieri |first=Chiara |date=2025-10-01 |title=Revolut still the worst UK firm for fraud complaints, warns Which? |url=https://www.which.co.uk/news/article/revolut-still-the-worst-uk-firm-for-fraud-complaints-warns-which-axqr43W94wLn |url-status=live |archive-url=https://web.archive.org/web/20260424055527/https://www.which.co.uk/news/article/revolut-still-the-worst-uk-firm-for-fraud-complaints-warns-which-axqr43W94wLn |archive-date=2026-04-24 |access-date=2026-05-04 |work=Which?}}</ref>

Furthermore these issues spark concerns surrounding the aforementioned extensive data collection<ref name=":1" /> not being effective in preventing fraud.

==Poor customer support==
Whilst a broad trend in most industries, Revolut customer support is widely considered severely lacking. According to users most of the time they are put into a conversation with a bot and even if they manage to get through to a human their issues such as fraud will often be ignored<ref>{{Cite web |date=2026-04-26 |title=Revolut is the absolute pits when something goes wrong |url=https://www.reddit.com/r/ireland/comments/1stx2dg/revolut_is_the_absolute_pits_when_something_goes/ |url-status=live |archive-url=https://web.archive.org/web/20260504081220/https://www.reddit.com/r/ireland/comments/1stx2dg/revolut_is_the_absolute_pits_when_something_goes/?solution=53118598e5ad0f7953118598e5ad0f79&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da58617f0226add79df55361ad99316696a63a&jsc_orig_r= |archive-date=2026-05-04 |access-date=2026-05-04 |website=Reddit}}</ref> or they will be continuously told to escalate the ticket where this would repeat.<ref>{{Cite web |date=2025-08-01 |title=Has anyone had bad experiences with Revolut? |url=https://www.reddit.com/r/CasualIreland/comments/1nbsmnu/has_anyone_had_bad_experiences_with_revolut/ |url-status=live |archive-url=https://web.archive.org/web/20260504075218/https://www.reddit.com/r/CasualIreland/comments/1nbsmnu/has_anyone_had_bad_experiences_with_revolut/?solution=36349442c3f7bef136349442c3f7bef1&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da58616e08d8168d7144b1cca4aef7f2b3d72f&jsc_orig_r= |archive-date=2026-05-04 |access-date=2026-05-04 |website=Reddit}}</ref>

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-05-04T08:37:38Z

SCRIPTERBLOX: Added 2025 fraud statistics and section about poor customer support

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Type=Private
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|Industry=Digital Banking
|Logo=Revolut logo.svg
|Founded=2015-07-00}}

'''Revolut''' is a global financial technology company headquartered in London and founded in July 2015 by Nik Storonskiy and Vlad Yatsenko. As of March 2026, Revolut has over 70 million customers and supports transfers across more than 160 countries and regions. It was valued at $75 billion in November 2025. Its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==

===Forced app download===
The web experience cannot be used to make purchases, but only to check account balance, limited transaction history, control cards freezing, PIN lock, and other card security settings. This effectively forces the user to make use of the mobile app.<ref>{{Cite news |last=Gory |first=Colm |date=1 Dec 2020 |title=Revolut launches ‘highly requested’ web app for desktop users |url=https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |url-status=live |archive-url=https://web.archive.org/web/20250211014949/https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |archive-date=11 Feb 2025 |access-date=27 Mar 2026 |work=Silicon Republic |pages=3}}</ref>

===Freemium with personal data concerns===
Revolut earns money from subscriptions plans to access extra features. Most prominent being bigger withdrawal limits and travel insurance.<ref>{{Cite web |last=Emmanuel Chijioke |first=Peter |last2=Hipolito |first2=Mirjan |date=10 Feb 2025 |editor-last=Johnson |editor-first=BJ |title=Revolut Fees Review |url=https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |url-status=live |archive-url=https://web.archive.org/web/20250831230304/https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |archive-date=31 Aug 2025 |access-date=27 Mar 2026 |website=Traders Union}}</ref> Regardless of subscription status, Revolut optionally suggests that customers link their bank accounts to "give a complete picture of your spending and saving." While this access is read-only, it poses serious privacy concerns.<ref>{{Cite web |last=Dunne |first=Eithne |date=14 Mar 2021 |title=Put overspending to bed with a bank syncing app |url=https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |url-status=live |archive-url=https://web.archive.org/web/20251221134625/https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |archive-date=21 Dec 2025 |access-date=27 Mar 2026 |website=The Times and The Sunday Times}}</ref><ref name=":0">{{Cite web |date=12 Oct 2025 |title=Revolut |url=https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |url-status=live |archive-url=https://web.archive.org/web/20251012101646/https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |archive-date=12 Oct 2025 |access-date=12 Oct 2025 |website=εxodus}}</ref> Financial services are required by law to implement extensive Know Your Customer ([[wikipedia:Know_your_customer|KYC]]), but the issue of extracting ''more information than needed'' reflects a broader trend in the digital industry to lure customers into free services where sharing their personal information becomes the revenue strategy, effectively forcing unknowing customers to "pay with their data".<ref name=":0" /><ref>{{Cite web |last=Batista |first=Hugo |date=18 Apr 2020 |title=Revolut is sharing your data with Facebook. Here’s what you need to know. |url=https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |url-status=live |archive-url=https://web.archive.org/web/20260214222032/https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |archive-date=14 Feb 2026 |access-date=27 Mar 2026 |website=Medium}}</ref> Data which includes:
*Phone number
*Date of birth
*Email address
*Full legal name
*Home address
*Aircode
*ID
*Microphone permissions without disclosure as to why

=====Further data Collected:=====

*"details of the device you use (for example, your phone, computer or tablet)"
*IP address
*Browser type and version
*Time zone setting
*Device language
*Operating system and platform
*Type of device used
*Whether a virtual private network (VPN) is used
*A unique device identifier
*Mobile network information
*Mobile operating system
*Type of mobile browser you use
*Links clicked on the website or Revolut app (including date and time stamp)
*Length of visits to certain pages
*Page interaction information (such as scrolling and clicks)
*Methods used to browse away from the page
*Types of apps and other metadata about the device
*Information from devices contacts list
*Behavioural biometric data
*Detailed device settings
*GPS location <ref name=":1">{{Cite web |date=1 Jan 2025 |title=Revolut Privacy Policy |url=https://www.revolut.com/legal/privacy/ |url-status=live |archive-url=https://web.archive.org/web/20260220102621/https://www.revolut.com/legal/privacy/ |archive-date=20 Feb 2026 |access-date=27 Mar 2026 |website=Revolut}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

===Revolut verify ID email spam===
{{Main|Revolut verify ID email spam}}
When a customer does not complete their account setup Revolut sends them emails to pressure them to finish account setup.

===Revolut blocking Lyca Mobile automated payment blocking===
{{Main|Revolut blocking Lyca Mobile automated payment blocking}}
Revolut explicitly disables the option to end automated payments to Lyca Mobile

==Repeated failure to prevent fraud==
Revolut has a repeated history of being one the most frequently named financial institutions in UK fraud complaints.<ref>{{Cite news |date=2024-08-14 |title=‘I lost £165k to fraud in an hour’ - customers say they were let down by Revolut |url=https://www.bbc.com/news/articles/cj6epzxdd77o |url-status=live |archive-url=https://web.archive.org/web/20260217213403/https://www.bbc.com/news/articles/cj6epzxdd77o |archive-date=2026-02-17 |access-date=2026-03-31 |work=BBC}}</ref><ref name=":2">{{Cite news |date=2024-04-24 |title=Revolut fraud complaints to Ombudsman outstrip all banks |url=https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |url-status=live |archive-url=https://web.archive.org/web/20260304131535/https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |archive-date=2026-03-04 |access-date=2026-03-31 |work=Which?}}</ref><ref>{{Cite web |title=DRN-4189491 |url=https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |url-status=live |archive-url=https://web.archive.org/web/20250827233450/https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |archive-date=2025-08-27 |access-date=2026-03-31 |website=Financial Ombudsman Service (UK)}}</ref> The number of complaints of fraud reported to [https://www.reportfraud.police.uk/ Action Fraud], the UK reporting centre for fraud and cybercrime, by Revolut customers rose from 567 in February 2023 to 1,086 for February 2024.<ref>{{Cite news |title=I'm a victim of scammers. But Revolut says 'no' to a refund |url=https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |url-status=live |archive-url=https://web.archive.org/web/20251201233704/https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |archive-date=2025-12-01 |access-date=2026-03-31 |work=The Guardian}}</ref> According to the Financial Ombudsman Service (FOS), it issued 3,458 fraud and scam-related 'views' to Revolut and its customers in 2023 surpassing any other provider.<ref name=":2" /> These issues arose in spite of the efforts in to combat fraud, by doubling the number of employs tasked to deal with the matter between 2021 and 2023.<ref>{{Cite news |date=2023-10-31 |title=Revolut doubles financial crime headcount since 2021 to combat fraud |url=https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |url-status=live |archive-url=https://web.archive.org/web/20250915090530/https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |archive-date=2025-09-15 |access-date=2026-03-31 |work=RTE}}</ref> These issues persisted into 2025 with 1,875 new cases with Revolut.<ref>{{Cite news |last=Cavaglieri |first=Chiara |date=2025-10-01 |title=Revolut still the worst UK firm for fraud complaints, warns Which? |url=https://www.which.co.uk/news/article/revolut-still-the-worst-uk-firm-for-fraud-complaints-warns-which-axqr43W94wLn |url-status=live |archive-url=https://web.archive.org/web/20260424055527/https://www.which.co.uk/news/article/revolut-still-the-worst-uk-firm-for-fraud-complaints-warns-which-axqr43W94wLn |archive-date=2026-04-24 |access-date=2026-05-04 |work=Which?}}</ref>

Furthermore these issues spark concerns surrounding the aforementioned extensive data collection<ref name=":1" /> not being effective in preventing fraud.

== Poor customer support ==
Whilst a broad trend in most industries, Revolut customer support is widely considered severely lacking. According to users most of the time they are put into a conversation with a bot and even if they manage to get through to a humane will often either ignore their issues<ref>{{Cite web |date=2026-04-26 |title=Revolut is the absolute pits when something goes wrong |url=https://www.reddit.com/r/ireland/comments/1stx2dg/revolut_is_the_absolute_pits_when_something_goes/ |url-status=live |archive-url=https://web.archive.org/web/20260504081220/https://www.reddit.com/r/ireland/comments/1stx2dg/revolut_is_the_absolute_pits_when_something_goes/?solution=53118598e5ad0f7953118598e5ad0f79&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da58617f0226add79df55361ad99316696a63a&jsc_orig_r= |archive-date=2026-05-04 |access-date=2026-05-04 |website=Reddit}}</ref> such as fraud or continuously tell the customer to escalate the ticket but continue to ignore it.<ref>{{Cite web |date=2025-08-01 |title=Has anyone had bad experiences with Revolut? |url=https://www.reddit.com/r/CasualIreland/comments/1nbsmnu/has_anyone_had_bad_experiences_with_revolut/ |url-status=live |archive-url=https://web.archive.org/web/20260504075218/https://www.reddit.com/r/CasualIreland/comments/1nbsmnu/has_anyone_had_bad_experiences_with_revolut/?solution=36349442c3f7bef136349442c3f7bef1&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da58616e08d8168d7144b1cca4aef7f2b3d72f&jsc_orig_r= |archive-date=2026-05-04 |access-date=2026-05-04 |website=Reddit}}</ref>

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-04-27T10:01:03Z

SCRIPTERBLOX:

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Type=Private
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|Industry=Digital Banking
|Logo=Revolut logo.svg
|Founded=2015-07-00}}

'''Revolut''' is a global financial technology company headquartered in London and founded in July 2015 by Nik Storonskiy and Vlad Yatsenko. As of March 2026, Revolut has over 70 million customers and supports transfers across more than 160 countries and regions. It was valued at $75 billion in November 2025. Its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==

===Forced app download===
The web experience cannot be used to make purchases, but only to check account balance, limited transaction history, control cards freezing, PIN lock, and other card security settings. This effectively forces the user to make use of the mobile app.<ref>{{Cite news |last=Gory |first=Colm |date=1 Dec 2020 |title=Revolut launches ‘highly requested’ web app for desktop users |url=https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |url-status=live |archive-url=https://web.archive.org/web/20250211014949/https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |archive-date=11 Feb 2025 |access-date=27 Mar 2026 |work=Silicon Republic |pages=3}}</ref>

===Freemium with personal data concerns===
Revolut earns money from subscriptions plans to access extra features. Most prominent being bigger withdrawal limits and travel insurance.<ref>{{Cite web |last=Emmanuel Chijioke |first=Peter |last2=Hipolito |first2=Mirjan |date=10 Feb 2025 |editor-last=Johnson |editor-first=BJ |title=Revolut Fees Review |url=https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |url-status=live |archive-url=https://web.archive.org/web/20250831230304/https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |archive-date=31 Aug 2025 |access-date=27 Mar 2026 |website=Traders Union}}</ref> Regardless of subscription status, Revolut optionally suggests that customers link their bank accounts to "give a complete picture of your spending and saving." While this access is read-only, it poses serious privacy concerns.<ref>{{Cite web |last=Dunne |first=Eithne |date=14 Mar 2021 |title=Put overspending to bed with a bank syncing app |url=https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |url-status=live |archive-url=https://web.archive.org/web/20251221134625/https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |archive-date=21 Dec 2025 |access-date=27 Mar 2026 |website=The Times and The Sunday Times}}</ref><ref name=":0">{{Cite web |date=12 Oct 2025 |title=Revolut |url=https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |url-status=live |archive-url=https://web.archive.org/web/20251012101646/https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |archive-date=12 Oct 2025 |access-date=12 Oct 2025 |website=εxodus}}</ref> Financial services are required by law to implement extensive Know Your Customer ([[wikipedia:Know_your_customer|KYC]]), but the issue of extracting ''more information than needed'' reflects a broader trend in the digital industry to lure customers into free services where sharing their personal information becomes the revenue strategy, effectively forcing unknowing customers to "pay with their data".<ref name=":0" /><ref>{{Cite web |last=Batista |first=Hugo |date=18 Apr 2020 |title=Revolut is sharing your data with Facebook. Here’s what you need to know. |url=https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |url-status=live |archive-url=https://web.archive.org/web/20260214222032/https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |archive-date=14 Feb 2026 |access-date=27 Mar 2026 |website=Medium}}</ref> Data which includes:
*Phone number
*Date of birth
*Email address
*Full legal name
*Home address
*Aircode
*ID
*Microphone permissions without disclosure as to why

=====Further data Collected:=====

*"details of the device you use (for example, your phone, computer or tablet)"
*IP address
*Browser type and version
*Time zone setting
*Device language
*Operating system and platform
*Type of device used
*Whether a virtual private network (VPN) is used
*A unique device identifier
*Mobile network information
*Mobile operating system
*Type of mobile browser you use
*Links clicked on the website or Revolut app (including date and time stamp)
*Length of visits to certain pages
*Page interaction information (such as scrolling and clicks)
*Methods used to browse away from the page
*Types of apps and other metadata about the device
*Information from devices contacts list
*Behavioural biometric data
*Detailed device settings
*GPS location <ref name=":1">{{Cite web |date=1 Jan 2025 |title=Revolut Privacy Policy |url=https://www.revolut.com/legal/privacy/ |url-status=live |archive-url=https://web.archive.org/web/20260220102621/https://www.revolut.com/legal/privacy/ |archive-date=20 Feb 2026 |access-date=27 Mar 2026 |website=Revolut}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

===Revolut verify ID email spam===
{{Main|Revolut verify ID email spam}}
When a customer does not complete their account setup Revolut sends them emails to pressure them to finish account setup.

===Revolut blocking Lyca Mobile automated payment blocking===
{{Main|Revolut blocking Lyca Mobile automated payment blocking}}
Revolut explicitly disables the option to end automated payments to Lyca Mobile

==Repeated failure to prevent fraud==
Revolut has a repeated history of being one the most frequently named financial institutions in UK fraud complaints.<ref>{{Cite news |date=2024-08-14 |title=‘I lost £165k to fraud in an hour’ - customers say they were let down by Revolut |url=https://www.bbc.com/news/articles/cj6epzxdd77o |url-status=live |archive-url=https://web.archive.org/web/20260217213403/https://www.bbc.com/news/articles/cj6epzxdd77o |archive-date=2026-02-17 |access-date=2026-03-31 |work=BBC}}</ref><ref name=":2">{{Cite news |date=2024-04-24 |title=Revolut fraud complaints to Ombudsman outstrip all banks |url=https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |url-status=live |archive-url=https://web.archive.org/web/20260304131535/https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |archive-date=2026-03-04 |access-date=2026-03-31 |work=Which?}}</ref><ref>{{Cite web |title=DRN-4189491 |url=https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |url-status=live |archive-url=https://web.archive.org/web/20250827233450/https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |archive-date=2025-08-27 |access-date=2026-03-31 |website=Financial Ombudsman Service (UK)}}</ref> The number of complaints of fraud reported to [https://www.reportfraud.police.uk/ Action Fraud], the UK reporting centre for fraud and cybercrime, by Revolut customers rose from 567 in February 2023 to 1,086 for February 2024.<ref>{{Cite news |title=I'm a victim of scammers. But Revolut says 'no' to a refund |url=https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |url-status=live |archive-url=https://web.archive.org/web/20251201233704/https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |archive-date=2025-12-01 |access-date=2026-03-31 |work=The Guardian}}</ref> According to the Financial Ombudsman Service (FOS), it issued 3,458 fraud and scam-related 'views' to Revolut and its customers in 2023 surpassing any other provider.<ref name=":2" /> These issues arose in spite of the efforts in to combat fraud, by doubling the number of employs tasked to deal with the matter between 2021 and 2023.<ref>{{Cite news |date=2023-10-31 |title=Revolut doubles financial crime headcount since 2021 to combat fraud |url=https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |url-status=live |archive-url=https://web.archive.org/web/20250915090530/https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |archive-date=2025-09-15 |access-date=2026-03-31 |work=RTE}}</ref>

Furthermore these issues spark concerns surrounding the aforementioned extensive data collection<ref name=":1" /> not being effective in preventing fraud.

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut blocking Lyca Mobile automated payment blocking

2026-04-24T13:19:15Z

SCRIPTERBLOX: Initial Details

{{IncidentCargo
|Company=Revolut, LycaMobile
|StartDate=2025-09
|EndDate=2025-09
|Status=Active
|Product=Automated payments
|ArticleType=Service
|Type=Fraud
|Description=Revolut colludes with LycaMobile disabling the "Block future payments" button for LycaMobile "auto-renewal"
}}Lyca Mobile offers mobile network access which has in recent times arguably become a basic necessity for access to ordinary, social, legal and financial life.

Revolut is a global financial technology company offering services such as bank accounts, debit cards, credit cards, currency exchange and peer to peer payments. Many choose Revolut for its ease of use and free accounts.

In January of 2025 Revolut created a deal with Lyca Mobile introducing automated subscription payments enabling "automated subscription management, where recurring payments process without manual input."<ref>{{Cite web |last=Jackson |first=Amber |date=2025-01-24 |title=Revolut Launches Into The Telco World Via Lyca Mobile Deal |url=https://telcomagazine.com/telecommunications/lyca-integrates-revolut-pay-in-uk-telecom-payments-first |url-status=live |archive-url=https://web.archive.org/web/20260424122845/https://telcomagazine.com/telecommunications/lyca-integrates-revolut-pay-in-uk-telecom-payments-first |archive-date=2026-04-24 |access-date=2026-04-24 |website=Telco Magazine}}</ref>

==Background==
[[Revolut]] is a global financial technology company headquartered in London and founded in July 2015 by Nik Storonskiy and Vlad Yatsenko. As of March 2026, Revolut has over 70 million customers and supports transfers across more than 160 countries and regions. It was valued at $75 billion in November 2025. Its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

[[wikipedia:Lyca_Mobile|Lyca Mobile]] is a mobile virtual network operator (MVNO) operating in 18 countries, with headquarters in the United Kingdom and Sri Lanka. It provides international pay-as-you-go SIM cards. The company is chaired by Allirajah Subaskaran, who formed the company in 2006. As an MVNO, Lyca Mobile does not own its own mobile network but instead leases radio frequencies from established network operators. It has also established mobile virtual network aggregator (MVNA) arrangements in certain regions.

==[Incident]==
In 2025 someone reported to have purchased a "LycaMobile starter pack" while in the UK using Revolut Pay but realized two months later that their account was still being charged due to "auto-renewal". The person also mentions that the "Block future payments" button explicitly doesn't show up for LycaMobile in the Revolut app<ref>{{Cite web |date=2026-04-24 |title=Revolut in an anti-consumer conspiracy with Lyca Mobile. Is there any point in reporting it to the Office of Competition and Consumer Protection? |url=https://www.reddit.com/r/Polska/comments/1ngucek/revolut_w_antykonsumenckiej_zmowie_z_lyca_mobile/?tl=en |url-status=live |archive-url=https://web.archive.org/web/20260424131712/https://www.reddit.com/r/Polska/comments/1ngucek/revolut_w_antykonsumenckiej_zmowie_z_lyca_mobile/?solution=c483bf949997b36fc483bf949997b36f&js_challenge=1&token=bbbe4bf1c9a2b5160829c4be34da5861a6af9ec79a18b4ada958bbb5a04bfa78&jsc_orig_r=&tl=en |archive-date=2026-04-24 |access-date=2026-04-24 |website=Reddit}}</ref> (which is the only interface for Revolut asside from the web app which severely lacks features<ref>{{Cite news |last=Gorey |first=Colm |date=2020-12-01 |title=Revolut launches ‘highly requested’ web app for desktop users |url=https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |url-status=live |archive-url=https://web.archive.org/web/20250211014949/https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |archive-date=2025-02-11 |access-date=2026-04-24 |work=siliconrepublic}}</ref>)

==References==
{{reflist}}

Canadian internet providers circumvent CRTC protection

2026-04-24T12:14:54Z

SCRIPTERBLOX: Put a few links into proper citations

{{Incomplete|Issue 1=Link dumps within text.|Issue 2=Lack of in-text citations.|Issue 3=Lack of incident descriptions.|Issue 4=Questionable relevance.}}{{ToneWarning}}
{{ProductLineCargo
|ArticleType=Service
|Category=
|Company=
|Description=
|InProduction=Yes
|Logo=Fibreoptic.jpg
|ReleaseYear=
|Website=https://www.risq.quebec/
}}
Internet access is a monthly subscription to access a physical infrastructure. Modern internet connections use cable such a COAX or fiber optics to deliver TV and internet to homes across Canada. Once the cables are in place and the installation is complete, customer interactions or maintenance outside of accidents and the degradation of cables over time is typically not needed. The average life span of a fiber-optic cable ranges from 20 to 40 years.<ref>{{Cite web |last=Yaméogo |first=Banti Laure Mathilde |last2=Charlton |first2=Douglas W. |last3=Doucet |first3=David |last4=Desrosiers |first4=Christian |last5=O’Sullivan |first5=Maurice |last6=Tremblay |first6=Christine |date=25 Jan 2021 |title=Detecting Performance Degradation in Fiber-Optic Cables |url=https://www.etsmtl.ca/en/news/detecting-performance-degradation-fiber-optic-cables |url-status=live |access-date=14 May 2025 |website=www.etsmtl.ca |archive-url=http://web.archive.org/web/20260116214720/https://www.etsmtl.ca/en/news/detecting-performance-degradation-fiber-optic-cables |archive-date=16 Jan 2026}}</ref>

Internet access prices are mainly reflected by the speed, measured in megabits per second (Mbps), and the maximum data usage per month.

The Canadian Radio-television and Telecommunications Commission ([https://crtc.gc.ca/eng/home-accueil.htm CRTC]) is a protection agency in Canada to protect Canadians from abuse by larger telecom companies. They do not regulate prices internet service providers are charging the end users, with the exception of prohibiting differential pricing (i.e., when a company offers different prices for the same level of service). They do, however, regulate the rates telecom companies charge their competitors to utilize their fiber networks.<ref>{{Cite web |date=2025-01-17 |title=Internet - Our Role |url=https://crtc.gc.ca/eng/internet/role.htm |access-date=2025-08-14 |website=Canadian Radio-television and Telecommunications Commission |archive-url=http://web.archive.org/web/20260202100942/https://crtc.gc.ca/eng/internet/role.htm |archive-date=2 Feb 2026}}</ref>

==Consumer impact==
Business model - Time based increases.

The CRTC and contract laws have a loophole that allow for "inflation" based increases with 30 to 60 days notice. These increases occur on the base price of the service. They're not allowed to touch discounts for a term period, which is often 2 years. Lower prices are used to attract new clients. An example would be $50 per month for fiber with lifetime discount or lifetime price.

Videotron issues increases frequently also regardless of what your price starts at. These are the sweeping emailed internet increases in recent years:{{CitationNeeded}}

*December 4, 2024 - 2$ - Notice by email 60 days prior
*March 18, 2023 - 3$ - Notice by email 60 days prior
*April 15, 2022 - 1$ - Notice by email 60 days prior
*March 1, 2021 - 3$ - Notice by email 60 days prior

Other times, the increase notice is listed at the bottom of the bill sent to the consumer.
[[File:Bell.ca price increase notice 2025.png|thumb|Example of yearly Bell increase notice that will apply to all clients regardless.]]
Bell issues frequent increases of 5 to 6$ also regardless of what price you're currently paying. Recent sign-ups start around 50$ for over 1Gbit fiber services. Their door to door vendors or instore vendors will often say the price is good for 2 years, which is a misrepresentation.{{Citation needed}}

*May 1st, 2025 - 6$
*Feb 1st, 2025 - 4$
*July 1st, 2024 - 5$
*March 1st 2024 - 5$

Prices are often regionally adjusted to target areas they want to increase signups in which makes valuation of the product difficult. What's Gbit internet worth globally?

France 20,99€ per month for fiber 1gbit up and down - 32.80 CAD<ref>{{Cite web |title=Red box internet |url=https://www.red-by-sfr.fr/offre-internet/#redintid=B_menu-boutique_box?sv1=affiliate&sfrcpid=t3_awin_8259_652723_RED-FR |url-status=live}}</ref>

UK - £33.00 per month for fiber 1gbit - 61.32 CAD

https://onestream.co.uk/broadband/products

Australia - 99$ per month for fiber 1Gbit - 89.40 CAD<ref>{{Cite web |title=Tangerine ISP |url=https://www.buddytelco.com.au/?utm_source=whistleout&utm_medium=cpc&utm_campaign=residential_nbn600d41u&utm_content=byo&gad_source=7&dclid=COypr5C-oo0DFYSzpgQdu903HQ |url-status=live}}</ref> (Australia fiber networks are also heavily subsidized by the government)

Long-term clients often pay more than the current list price or the prices offered to new customers unless they regularly monitor and adjust their plans.

You signed at a certain price, but there's no certainly during that term companies won't indiscriminately raise prices. It's hard to budget.

Business model - misleading ads / pricing tree
[[File:Bell.ca ad price difference.jpg|thumb|225px|Ad highlighting a price comparing a product with 6 times less bandwidth, offered at 55$ per month. However, looking on their site shows Fiber 500 is listed at 110$ per month.]]
[[File:Bell.ca internet service pricing tier 2025.png|thumb|Current base prices of internet to compare with ad offered to a customer based on location and Ip.]]

Market Control - Competition is limited large providers expand their networks with help from government grants.<ref>{{Cite web |date=26 Jul 2023 |title=Governments of Canada and Ontario investing over $22 million to bring high-speed internet access to more than 1,400 homes in 10 communities in Ontario |url=https://news.ontario.ca/en/release/1003326/governments-of-canada-and-ontario-investing-over-22-million-to-bring-high-speed-internet-access-to-more-than-1400-homes-in-10-communities-in-ontario |url-status=live |access-date=14 May 2025 |website=Ontario Newsroom |archive-url=http://web.archive.org/web/20260103094506/https://news.ontario.ca/en/release/1003326/governments-of-canada-and-ontario-investing-over-22-million-to-bring-high-speed-internet-access-to-more-than-1400-homes-in-10-communities-in-ontario |archive-date=3 Jan 2026}}</ref>

==Incidents==
This is a list of all consumer protection incidents related to this product. Any incidents not mentioned here can be found in the .

===Bell fights CRTC for allowing small companies to rent their networks to larger ones to service remote areas (2025 05 12)===
{{Main|link to the main article}}

CRTC wants to allow existing local provides the ability to rent their networks to larger national telecom companies instead of having the large telecom companies use grants to build parallel networks. Bell one of the dominating telecom companies doesn't support

===Bell announces network wide sweeping increase starting May 1st, 2025 (''2025 04 30'')===
Home internet prices are going up 6$ starting May 1st, 2025, a second increase this year.<ref>{{Cite web |last=Lamont |first=Jonathan |date=30 Apr 2025 |title=Reminder: Your Bell internet bill is about to go up |url=https://mobilesyrup.com/2025/04/30/reminder-your-bell-internet-bill-is-about-to-go-up/ |url-status=live |access-date=14 May 2025 |website=MobileSyrup |archive-url=https://web.archive.org/web/20260223034218/https://mobilesyrup.com/2025/04/30/reminder-your-bell-internet-bill-is-about-to-go-up/ |archive-date=23 Feb 2026}}</ref>

===CRTC makes internet at reasonable speeds a basic service and funds it (''date'')===
CRTC invests 750 million for providers to offer speeds of 50mpbs to 8% of Canadians.<ref>{{Cite web |last=Kupfer |first=Matthew |date=21 Dec 2016 |title=CRTC declares broadband internet access a basic service |url=https://www.cbc.ca/news/politics/crtc-internet-essential-service-1.3906664 |url-status=live |access-date=14 May 2025 |website=CBC |archive-url=https://web.archive.org/web/20260223034256/https://www.cbc.ca/news/politics/crtc-internet-essential-service-1.3906664 |archive-date=23 Feb 2026}}</ref>
==References==
{{reflist}}

[[Category:{{PAGENAME}}]]
[[Category:Service companies]]
[[Category:Internet service providers]]

Revolut blocking Lyca Mobile automated payment blocking

2026-04-24T12:03:32Z

SCRIPTERBLOX: Initial page creation

Revolut

2026-04-01T20:48:20Z

SCRIPTERBLOX: Detailed the fact that the headcount doubling was between two years

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Type=Private
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|Industry=Digital Banking
|Logo=Revolut logo.svg
|Founded=2015-07-00}}

'''Revolut''' is a global financial technology company headquartered in London and founded in July 2015 by Nik Storonskiy and Vlad Yatsenko. As of March 2026, Revolut has over 70 million customers and supports transfers across more than 160 countries and regions. It was valued at $75 billion in November 2025. Its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==

===Forced app download===
The web experience cannot be used to make purchases, but only to check account balance, limited transaction history, control cards freezing, PIN lock, and other card security settings. This effectively forces the user to make use of the mobile app.<ref>{{Cite news |last=Gory |first=Colm |date=1 Dec 2020 |title=Revolut launches ‘highly requested’ web app for desktop users |url=https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |url-status=live |archive-url=https://web.archive.org/web/20250211014949/https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |archive-date=11 Feb 2025 |access-date=27 Mar 2026 |work=Silicon Republic |pages=3}}</ref>

===Freemium with personal data concerns===
Revolut earns money from subscriptions plans to access extra features. Most prominent being bigger withdrawal limits and travel insurance.<ref>{{Cite web |last=Emmanuel Chijioke |first=Peter |last2=Hipolito |first2=Mirjan |date=10 Feb 2025 |editor-last=Johnson |editor-first=BJ |title=Revolut Fees Review |url=https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |url-status=live |archive-url=https://web.archive.org/web/20250831230304/https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |archive-date=31 Aug 2025 |access-date=27 Mar 2026 |website=Traders Union}}</ref> Regardless of subscription status, Revolut optionally suggests that customers link their bank accounts to "give a complete picture of your spending and saving." While this access is read-only, it poses serious privacy concerns.<ref>{{Cite web |last=Dunne |first=Eithne |date=14 Mar 2021 |title=Put overspending to bed with a bank syncing app |url=https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |url-status=live |archive-url=https://web.archive.org/web/20251221134625/https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |archive-date=21 Dec 2025 |access-date=27 Mar 2026 |website=The Times and The Sunday Times}}</ref><ref name=":0">{{Cite web |date=12 Oct 2025 |title=Revolut |url=https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |url-status=live |archive-url=https://web.archive.org/web/20251012101646/https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |archive-date=12 Oct 2025 |access-date=12 Oct 2025 |website=εxodus}}</ref> Financial services are required by law to implement extensive Know Your Customer ([[wikipedia:Know_your_customer|KYC]]), but the issue of extracting ''more information than needed'' reflects a broader trend in the digital industry to lure customers into free services where sharing their personal information becomes the revenue strategy, effectively forcing unknowing customers to "pay with their data".<ref name=":0" /><ref>{{Cite web |last=Batista |first=Hugo |date=18 Apr 2020 |title=Revolut is sharing your data with Facebook. Here’s what you need to know. |url=https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |url-status=live |archive-url=https://web.archive.org/web/20260214222032/https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |archive-date=14 Feb 2026 |access-date=27 Mar 2026 |website=Medium}}</ref> Data which includes:
*Phone number
*Date of birth
*Email address
*Full legal name
*Home address
*Aircode
*ID
*Microphone permissions without disclosure as to why

=====Further data Collected:=====

*"details of the device you use (for example, your phone, computer or tablet)"
*IP address
*Browser type and version
*Time zone setting
*Device language
*Operating system and platform
*Type of device used
*Whether a virtual private network (VPN) is used
*A unique device identifier
*Mobile network information
*Mobile operating system
*Type of mobile browser you use
*Links clicked on the website or Revolut app (including date and time stamp)
*Length of visits to certain pages
*Page interaction information (such as scrolling and clicks)
*Methods used to browse away from the page
*Types of apps and other metadata about the device
*Information from devices contacts list
*Behavioural biometric data
*Detailed device settings
*GPS location <ref name=":1">{{Cite web |date=1 Jan 2025 |title=Revolut Privacy Policy |url=https://www.revolut.com/legal/privacy/ |url-status=live |archive-url=https://web.archive.org/web/20260220102621/https://www.revolut.com/legal/privacy/ |archive-date=20 Feb 2026 |access-date=27 Mar 2026 |website=Revolut}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

===Revolut verify ID email spam===
{{Main|Revolut verify ID email spam}}
When a customer does not complete their account setup Revolut sends them emails to pressure them to finish account setup.

==Repeated failure to prevent fraud==
Revolut has a repeated history of being one the most frequently named financial institutions in UK fraud complaints.<ref>{{Cite news |date=2024-08-14 |title=‘I lost £165k to fraud in an hour’ - customers say they were let down by Revolut |url=https://www.bbc.com/news/articles/cj6epzxdd77o |url-status=live |archive-url=https://web.archive.org/web/20260217213403/https://www.bbc.com/news/articles/cj6epzxdd77o |archive-date=2026-02-17 |access-date=2026-03-31 |work=BBC}}</ref><ref name=":2">{{Cite news |date=2024-04-24 |title=Revolut fraud complaints to Ombudsman outstrip all banks |url=https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |url-status=live |archive-url=https://web.archive.org/web/20260304131535/https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |archive-date=2026-03-04 |access-date=2026-03-31 |work=Which?}}</ref><ref>{{Cite web |title=DRN-4189491 |url=https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |url-status=live |archive-url=https://web.archive.org/web/20250827233450/https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |archive-date=2025-08-27 |access-date=2026-03-31 |website=Financial Ombudsman Service (UK)}}</ref> The number of complaints of fraud reported to [https://www.reportfraud.police.uk/ Action Fraud], the UK reporting centre for fraud and cybercrime, by Revolut customers rose from 567 in February 2023 to 1,086 for February 2024.<ref>{{Cite news |title=I'm a victim of scammers. But Revolut says 'no' to a refund |url=https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |url-status=live |archive-url=https://web.archive.org/web/20251201233704/https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |archive-date=2025-12-01 |access-date=2026-03-31 |work=The Guardian}}</ref> According to the Financial Ombudsman Service (FOS), it issued 3,458 fraud and scam-related 'views' to Revolut and its customers in 2023 surpassing any other provider.<ref name=":2" /> These issues arose in spite of the efforts in to combat fraud, by doubling the number of employs tasked to deal with the matter between 2021 and 2023.<ref>{{Cite news |date=2023-10-31 |title=Revolut doubles financial crime headcount since 2021 to combat fraud |url=https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |url-status=live |archive-url=https://web.archive.org/web/20250915090530/https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |archive-date=2025-09-15 |access-date=2026-03-31 |work=RTE}}</ref>

Furthermore these issues spark concerns surrounding the aforementioned extensive data collection<ref name=":1" /> not being effective in preventing fraud.

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-03-31T10:08:08Z

SCRIPTERBLOX: Made list more neutral

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Type=Private
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|Industry=Digital Banking
|Logo=Revolut logo.svg
|Founded=2015-07-00}}

'''Revolut''' is a global financial technology company headquartered in London and founded in July 2015 by Nik Storonskiy and Vlad Yatsenko. As of March 2026, Revolut has over 70 million customers and supports transfers across more than 160 countries and regions. It was valued at $75 billion in November 2025. Its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==

===Forced app download===
The web experience cannot be used to make purchases, but only for checking balance, limited transaction history, freezing or unfreezing cards, blocking and unblocking their PIN and other card security settings." This effectively forces the user to make use of the mobile app.<ref>{{Cite news |last=Gory |first=Colm |date=1 Dec 2020 |title=Revolut launches ‘highly requested’ web app for desktop users |url=https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |url-status=live |archive-url=https://web.archive.org/web/20250211014949/https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |archive-date=11 Feb 2025 |access-date=27 Mar 2026 |work=Silicon Republic |pages=3}}</ref>

===Freemium with personal data concerns===
Revolut earns money from subscriptions plans to access extra features. Most prominent being bigger withdrawal limits and travel insurance.<ref>{{Cite web |last=Emmanuel Chijioke |first=Peter |last2=Hipolito |first2=Mirjan |date=10 Feb 2025 |editor-last=Johnson |editor-first=BJ |title=Revolut Fees Review |url=https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |url-status=live |archive-url=https://web.archive.org/web/20250831230304/https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |archive-date=31 Aug 2025 |access-date=27 Mar 2026 |website=Traders Union}}</ref> Regardless of subscription status, Revolut optionally suggests that customers link their bank accounts to "give a complete picture of your spending and saving." While this access is read-only, it poses serious privacy concerns.<ref>{{Cite web |last=Dunne |first=Eithne |date=14 Mar 2021 |title=Put overspending to bed with a bank syncing app |url=https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |url-status=live |archive-url=https://web.archive.org/web/20251221134625/https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |archive-date=21 Dec 2025 |access-date=27 Mar 2026 |website=The Times and The Sunday Times}}</ref><ref name=":0">{{Cite web |date=12 Oct 2025 |title=Revolut |url=https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |url-status=live |archive-url=https://web.archive.org/web/20251012101646/https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |archive-date=12 Oct 2025 |access-date=12 Oct 2025 |website=εxodus}}</ref> Financial services are required by law to implement extensive Know Your Customer ([[wikipedia:Know_your_customer|KYC]]), but the issue of extracting ''more information than needed'' reflects a broader trend in the digital industry to lure customers into free services where sharing their personal information becomes the revenue strategy, effectively forcing unknowing customers to "pay with their data".<ref name=":0" /><ref>{{Cite web |last=Batista |first=Hugo |date=18 Apr 2020 |title=Revolut is sharing your data with Facebook. Here’s what you need to know. |url=https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |url-status=live |archive-url=https://web.archive.org/web/20260214222032/https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |archive-date=14 Feb 2026 |access-date=27 Mar 2026 |website=Medium}}</ref> Data which includes:
*Phone number
*Date of birth
*Email address
*Full legal name
*Home address
*Aircode
*ID
*Microphone permissions without disclosure as to why

=====Further data Collected:=====

*"details of the device you use (for example, your phone, computer or tablet)"
*IP address
*Browser type and version
*Time zone setting
*Device language
*Operating system and platform
*Type of device used
*Whether a virtual private network (VPN) is used
*A unique device identifier
*Mobile network information
*Mobile operating system
*Type of mobile browser you use
*Links clicked on the website or Revolut app (including date and time stamp)
*Length of visits to certain pages
*Page interaction information (such as scrolling and clicks)
*Methods used to browse away from the page
*Types of apps and other metadata about the device
*Information from devices contacts list
*Behavioural biometric data
*Detailed device settings
*GPS location <ref name=":1">{{Cite web |date=1 Jan 2025 |title=Revolut Privacy Policy |url=https://www.revolut.com/legal/privacy/ |url-status=live |archive-url=https://web.archive.org/web/20260220102621/https://www.revolut.com/legal/privacy/ |archive-date=20 Feb 2026 |access-date=27 Mar 2026 |website=Revolut}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

===Revolut verify ID email spam===
{{Main|Revolut verify ID email spam}}
When a customer does not complete their account setup Revolut sends them emails to pressure them to finish account setup.

==Repeated failure to prevent fraud==
Revolut has a repeated history of being one if the most frequently named financial institutions in UK fraud complaints.<ref>{{Cite news |date=2024-08-14 |title=‘I lost £165k to fraud in an hour’ - customers say they were let down by Revolut |url=https://www.bbc.com/news/articles/cj6epzxdd77o |url-status=live |archive-url=https://web.archive.org/web/20260217213403/https://www.bbc.com/news/articles/cj6epzxdd77o |archive-date=2026-02-17 |access-date=2026-03-31 |work=BBC}}</ref><ref name=":2">{{Cite news |date=2024-04-24 |title=Revolut fraud complaints to Ombudsman outstrip all banks |url=https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |url-status=live |archive-url=https://web.archive.org/web/20260304131535/https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |archive-date=2026-03-04 |access-date=2026-03-31 |work=Which?}}</ref><ref>{{Cite web |title=DRN-4189491 |url=https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |url-status=live |archive-url=https://web.archive.org/web/20250827233450/https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |archive-date=2025-08-27 |access-date=2026-03-31 |website=Financial Ombudsman Service (UK)}}</ref> The number of complaints of fraud reported to [https://www.reportfraud.police.uk/ Action Fraud], the UK reporting centre for fraud and cybercrime, by Revolut customers rose from 567 in February 2023 to 1,086 for February 2024.<ref>{{Cite news |title=I'm a victim of scammers. But Revolut says 'no' to a refund |url=https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |url-status=live |archive-url=https://web.archive.org/web/20251201233704/https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |archive-date=2025-12-01 |access-date=2026-03-31 |work=The Guardian}}</ref> According to the Financial Ombudsman Service (FOS), it issued 3,458 fraud and scam-related 'views' to Revolut and its customers in 2023 surpassing any other provider.<ref name=":2" /> These issues arose in spite of the efforts to combat fraud since 2021 by doubling the number of employs tasked to deal with the matter.<ref>{{Cite news |date=2023-10-31 |title=Revolut doubles financial crime headcount since 2021 to combat fraud |url=https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |url-status=live |archive-url=https://web.archive.org/web/20250915090530/https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |archive-date=2025-09-15 |access-date=2026-03-31 |work=RTE}}</ref>

Furthermore these issues spark concerns surrounding the aforementioned extensive data collection<ref name=":1" /> not being effective in preventing fraud.

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-03-31T10:03:11Z

SCRIPTERBLOX: Added archive links

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Type=Private
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|Industry=Digital Banking
|Logo=Revolut logo.svg
|Founded=2015-07-00}}

'''Revolut''' is a global financial technology company headquartered in London and founded in July 2015 by Nik Storonskiy and Vlad Yatsenko. As of March 2026, Revolut has over 70 million customers and supports transfers across more than 160 countries and regions. It was valued at $75 billion in November 2025. Its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==

===Forced app download===
The web experience cannot be used to make purchases, but only for checking balance, limited transaction history, freezing or unfreezing cards, blocking and unblocking their PIN and other card security settings." This effectively forces the user to make use of the mobile app.<ref>{{Cite news |last=Gory |first=Colm |date=1 Dec 2020 |title=Revolut launches ‘highly requested’ web app for desktop users |url=https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |url-status=live |archive-url=https://web.archive.org/web/20250211014949/https://www.siliconrepublic.com/business/revolut-web-app-desktop-laptop |archive-date=11 Feb 2025 |access-date=27 Mar 2026 |work=Silicon Republic |pages=3}}</ref>

===Freemium with personal data concerns===
Revolut earns money from subscriptions plans to access extra features. Most prominent being bigger withdrawal limits and travel insurance.<ref>{{Cite web |last=Emmanuel Chijioke |first=Peter |last2=Hipolito |first2=Mirjan |date=10 Feb 2025 |editor-last=Johnson |editor-first=BJ |title=Revolut Fees Review |url=https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |url-status=live |archive-url=https://web.archive.org/web/20250831230304/https://tradersunion.com/brokers/digital-banks/view/revolut/fees/ |archive-date=31 Aug 2025 |access-date=27 Mar 2026 |website=Traders Union}}</ref> Regardless of subscription status, Revolut optionally suggests that customers link their bank accounts to "give a complete picture of your spending and saving." While this access is read-only, it poses serious privacy concerns.<ref>{{Cite web |last=Dunne |first=Eithne |date=14 Mar 2021 |title=Put overspending to bed with a bank syncing app |url=https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |url-status=live |archive-url=https://web.archive.org/web/20251221134625/https://www.thetimes.com/business/economics/article/put-overspending-to-bed-with-a-bank-syncing-app-2r85t8kqq |archive-date=21 Dec 2025 |access-date=27 Mar 2026 |website=The Times and The Sunday Times}}</ref><ref name=":0">{{Cite web |date=12 Oct 2025 |title=Revolut |url=https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |url-status=live |archive-url=https://web.archive.org/web/20251012101646/https://reports.exodus-privacy.eu.org/en/reports/com.revolut.revolut/latest/ |archive-date=12 Oct 2025 |access-date=12 Oct 2025 |website=εxodus}}</ref> Financial services are required by law to implement extensive Know Your Customer ([[wikipedia:Know_your_customer|KYC]]), but the issue of extracting ''more information than needed'' reflects a broader trend in the digital industry to lure customers into free services where sharing their personal information becomes the revenue strategy, effectively forcing unknowing customers to "pay with their data".<ref name=":0" /><ref>{{Cite web |last=Batista |first=Hugo |date=18 Apr 2020 |title=Revolut is sharing your data with Facebook. Here’s what you need to know. |url=https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |url-status=live |archive-url=https://web.archive.org/web/20260214222032/https://medium.com/swlh/revolut-is-sharing-your-data-with-facebook-heres-what-you-need-to-know-cc511c7ab639 |archive-date=14 Feb 2026 |access-date=27 Mar 2026 |website=Medium}}</ref> Data which includes:
*Phone number
*Date of birth
*Email address
*Full legal name
*Home address
*Aircode
*ID
*Microphone permissions without disclosure as to why

=====Further data Collected:=====

*"details of the device you use (for example, your phone, computer or tablet)"
*IP address
*Browser type and version
*Time zone setting
*Device language
*Operating system and platform
*Type of device you use
*Whether your device uses a virtual private network (VPN)
*A unique device identifier
*Mobile network information
*Your mobile operating system
*Type of mobile browser you use
*Links clicked on the website or Revolut app (including date and time stamp)
*Length of visits to certain pages
*Page interaction information (such as scrolling and clicks)
*Methods used to browse away from the page
*Types of apps and other metadata about the device
*Information from devices contacts list
*Behavioural biometric data
*Detailed device settings
*GPS location <ref name=":1">{{Cite web |date=1 Jan 2025 |title=Revolut Privacy Policy |url=https://www.revolut.com/legal/privacy/ |url-status=live |archive-url=https://web.archive.org/web/20260220102621/https://www.revolut.com/legal/privacy/ |archive-date=20 Feb 2026 |access-date=27 Mar 2026 |website=Revolut}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

===Revolut verify ID email spam===
{{Main|Revolut verify ID email spam}}
When a customer does not complete their account setup Revolut sends them emails to pressure them to finish account setup.

==Repeated failure to prevent fraud==
Revolut has a repeated history of being one if the most frequently named financial institutions in UK fraud complaints.<ref>{{Cite news |date=2024-08-14 |title=‘I lost £165k to fraud in an hour’ - customers say they were let down by Revolut |url=https://www.bbc.com/news/articles/cj6epzxdd77o |url-status=live |archive-url=https://web.archive.org/web/20260217213403/https://www.bbc.com/news/articles/cj6epzxdd77o |archive-date=2026-02-17 |access-date=2026-03-31 |work=BBC}}</ref><ref name=":2">{{Cite news |date=2024-04-24 |title=Revolut fraud complaints to Ombudsman outstrip all banks |url=https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |url-status=live |archive-url=https://web.archive.org/web/20260304131535/https://www.which.co.uk/news/article/revolut-fraud-complaints-to-ombudsman-outstrip-all-banks-aNVWh6O36Jfw |archive-date=2026-03-04 |access-date=2026-03-31 |work=Which?}}</ref><ref>{{Cite web |title=DRN-4189491 |url=https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |url-status=live |archive-url=https://web.archive.org/web/20250827233450/https://www.financial-ombudsman.org.uk/decision/DRN-4189491.pdf |archive-date=2025-08-27 |access-date=2026-03-31 |website=Financial Ombudsman Service (UK)}}</ref> The number of complaints of fraud reported to [https://www.reportfraud.police.uk/ Action Fraud], the UK reporting centre for fraud and cybercrime, by Revolut customers rose from 567 in February 2023 to 1,086 for February 2024.<ref>{{Cite news |title=I'm a victim of scammers. But Revolut says 'no' to a refund |url=https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |url-status=live |archive-url=https://web.archive.org/web/20251201233704/https://www.theguardian.com/money/2024/apr/10/im-a-victim-of-scammers-but-revolut-says-no-to-a-refund |archive-date=2025-12-01 |access-date=2026-03-31 |work=The Guardian}}</ref> According to the Financial Ombudsman Service (FOS), it issued 3,458 fraud and scam-related 'views' to Revolut and its customers in 2023 surpassing any other provider.<ref name=":2" /> These issues arose in spite of the efforts to combat fraud since 2021 by doubling the number of employs tasked to deal with the matter.<ref>{{Cite news |date=2023-10-31 |title=Revolut doubles financial crime headcount since 2021 to combat fraud |url=https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |url-status=live |archive-url=https://web.archive.org/web/20250915090530/https://www.rte.ie/news/business/2023/1031/1413840-revolut-doubles-financial-crime-headcount-since-2021/ |archive-date=2025-09-15 |access-date=2026-03-31 |work=RTE}}</ref>

Furthermore these issues spark concerns surrounding the aforementioned extensive data collection<ref name=":1" /> not being effective in preventing fraud.

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-03-31T09:43:22Z

SCRIPTERBLOX: Added abbreviation meaning to KYC

Revolut

2026-03-31T09:42:47Z

SCRIPTERBLOX: Added fraud issues

Revolut blocked access for users with custom OS

2026-03-28T14:13:18Z

SCRIPTERBLOX: Added cargo fields

{{StubNotice}}
{{IncidentCargo
|Company=Revolut
|StartDate=2024-11-00
|EndDate=
|Status=Active
|ProductLine=
|Product=Revolut
|ArticleType=Product
|Type=
|Description=Revolut blocks required app functionality on custom OS
}}
Revolut removed support to users with custom OS on their device
==Background==
[[File:Revolut Block Custom OSs.jpg|thumb|In-app message announcing the custom OS support removal]]
'''Revolut Group Holdings Ltd''', doing business as '''Revolut''', is a British multinational neobank and fintech company that offers banking services for individuals and businesses. It was founded in July 2015 by British-Russian businessman Nikolay Storonsky and British-Ukrainian software engineer Vlad Yatsenko. As of 2025, the company operated in over 48 countries and caters to over 60 million retail customers globally.

==Incident==

In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.<ref>{{Cite web |date=2024-11-27 |title=PSA: warning for graphene os users and revolut customers |url=https://stacker.news/items/785503 |url-status=live |archive-url=http://web.archive.org/web/20260224114849/https://stacker.news/items/785503 |archive-date=24 Feb 2026 |website=[[stacker news]]}}</ref><ref>{{Cite web |date=2024-11-27 |title=Revolut mobile finance - not supported on devices with custom firmware problem |url=https://discuss.grapheneos.org/d/17714-revolut-mobile-finance-not-supported-on-devices-with-custom-firmware-problem |url-status=live |archive-url=http://web.archive.org/web/20251219190942/https://discuss.grapheneos.org/d/17714-revolut-mobile-finance-not-supported-on-devices-with-custom-firmware-problem/ |archive-date=19 Dec 2025 |website=GrapheneOS Discussion Forum}}</ref><ref>{{Cite web |last=innershark |date=2024-11-30 |title=Revolut stopped working on Graphene OS |url=https://www.reddit.com/r/Revolut/comments/1h8ow3b/revolut_stopped_working_on_graphene_os/ |url-status=live |archive-url=http://web.archive.org/web/20260224115006/https://old.reddit.com/r/Revolut/comments/1h8ow3b/revolut_stopped_working_on_graphene_os/ |archive-date=24 Feb 2026 |website=[[Reddit]]}}</ref><ref>{{Cite web |last=GrapheneOS |date=2024-12-09 |title=GrapheneOS: "Revolut is misleading users..." |url=https://grapheneos.social/@GrapheneOS/113623492156274859 |url-status=live |archive-url=http://web.archive.org/web/20251126021327/https://grapheneos.social/@GrapheneOS/113623492156274859 |archive-date=26 Nov 2025 |access-date= |website=[[Mastodon]]}}</ref><ref>{{Cite web |last=ILoveHexa92 |date=2024-11-27 |title=Graphene OS bot supporter? |url=https://www.reddit.com/r/Revolut/comments/1hkd1af/graphene_os_bot_supporter/ |url-status=live |archive-url=http://web.archive.org/web/20260224115127/https://old.reddit.com/r/Revolut/comments/1hkd1af/graphene_os_bot_supporter/ |archive-date=24 Feb 2026 |website=[[Reddit]]}}</ref><ref>{{Cite web |last=David |first= |date=2024-12-24 |title=Urgent: do NOT upgrade Revolut’s app. |url=https://forum.sailfishos.org/t/revolut-fails-loading-since-7-22-version-27-october-2020/3307/21 |url-status=live |archive-url=http://web.archive.org/web/20260224115217/https://forum.sailfishos.org/t/revolut-fails-loading-since-7-22-version-27-october-2020/3307/21 |archive-date=24 Feb 2026 |website=Sailfish OS Forum}}</ref>

Revolut makes it difficult to close affected accounts or resolve issues on custom firmware devices. When attempting to communicate via support email, they insist that users must either wipe their entire device or use a second device, especially if they are using features like Vaults or Savings. Revolut clearly has the ability to delete or block funds, yet refuses to close client accounts and return the funds to the client’s bank account.

While subjective to interpretation, this practice may infringe on users' rights, particularly within the EU.

Under Directive 2015/2366 (PSD2), specifically [https://eur-lex.europa.eu/eli/dir/2015/2366/oj/eng Articles 68 and 97], Revolut has a legal obligation to guarantee access to payment services for duly authenticated users.

If a user was previously authenticated and had access to their account, which was then blocked prior to a mandatory app update without adequate warning, this may constitute a legal violation.

==References==
{{reflist}}

Revolut verify ID email spam

2026-03-27T22:23:30Z

SCRIPTERBLOX: Added note about incident date + Fixed reference

{{IncidentCargo
|Company=Revolut
|StartDate=2026-03-11
|EndDate=2026
|Status=Active
|Product=Revolut
|ArticleType=Product
|Description=Revolut sends mass automated emails to accounts that did not complete setup
}}
==Background==
[[File:Revolut spam emails.png|thumb|'''Revolut emails pressuring the customer to finish account setup''']]
'''Revolut Group Holdings Ltd''', doing business as '''Revolut''', is a British multinational neobank and fintech company that offers banking services for individuals and businesses. It was founded in July 2015 by British-Russian businessman Nikolay Storonsky and British-Ukrainian software engineer Vlad Yatsenko. As of 2025, the company operated in over 48 countries and caters to over 60 million retail customers globally.

==[Incident]==
When a customer of Revolut creates an account but doesn't complete the setup step of providing a government ID they will receive emails on the given address telling them to complete their setup in a pattern as follows<ref>{{Cite web |date=2026-03-27 |title=Revolut spams user with incomplete accounts |url=https://www.reddit.com/r/Revolut/comments/1s57ztb/gb_revolut_spams_users_with_incomplete_accounts/ |url-status=live |archive-url=https://web.archive.org/web/20260327155359/https://www.reddit.com/r/Revolut/comments/1s57ztb/gb_revolut_spams_users_with_incomplete_accounts/ |archive-date=2026-03-27 |access-date=2026-03-27 |website=Reddit}}</ref>:

*2 Emails 1 day apart from each other
*2 Emails 2 days apart from each other
*2 Emails 4 days apart from each other

A direct date of the incident is not determinable, as due to lack of sources it is unclear when Revolut started enacting this practice.

==References==
{{reflist}}

{{Ph-I-C}}

Revolut

2026-03-27T16:10:28Z

SCRIPTERBLOX: Added "Revolut verify ID email spam" incident

Revolut verify ID email spam

2026-03-27T16:06:13Z

SCRIPTERBLOX: Added information

{{IncidentCargo
|Company=Revolut
|StartDate=2026-03-11
|EndDate=2026
|Status=Active
|Product=Revolut
|ArticleType=Product
|Description=Revolut sends mass automated emails to accounts that did not complete setup
}}
{{Ph-I-Int}}
==Background==
[[File:Revolut spam emails.png|thumb|'''Revolut emails pressuring the customer to finish account setup''']]
'''Revolut Group Holdings Ltd''', doing business as '''Revolut''', is a British multinational neobank and fintech company that offers banking services for individuals and businesses. It was founded in July 2015 by British-Russian businessman Nikolay Storonsky and British-Ukrainian software engineer Vlad Yatsenko. As of 2025, the company operated in over 48 countries and caters to over 60 million retail customers globally.

==[Incident]==
When a customer of Revolut creates an account but doesn't complete the setup step of providing a government ID they will receive emails on the given address telling them to complete their setup in a pattern as follows<ref>{{Cite web |date=2026-03-27 |title=Revolut spams user with incomplete accounts |url=https://www.reddit.com/r/Revolut/comments/1s57ztb/gb_revolut_spams_users_with_incomplete_accounts/ |url-status=live |archive-url=https://www.reddit.com/r/Revolut/comments/1s57ztb/gb_revolut_spams_users_with_incomplete_accounts/ |archive-date=2026-03-27 |access-date=2026-03-27 |website=Reddit}}</ref>:

* 2 Emails 1 day apart from each other
* 2 Emails 2 days apart from each other
* 2 Emails 4 days apart from each other

==References==
{{reflist}}

{{Ph-I-C}}

File:Revolut spam emails.png

2026-03-27T16:03:01Z

SCRIPTERBLOX: Revolut emails pressuring the customer to finish account setup

== Summary ==
Revolut emails pressuring the customer to finish account setup
== Licensing ==
{{Fairuse}}

Revolut verify ID email spam

2026-03-27T15:39:39Z

SCRIPTERBLOX: Initial creation

{{IncidentCargo
|Company=Revolut
|StartDate=2026-03-11
|EndDate=2026
|Status=Active
|Product=Revolut
|ArticleType=Product
|Description=Revolut sends mass automated emails to accounts that did not complete setup
}}
{{Ph-I-Int}}
==Background==
{{Ph-I-B}}

==[Incident]==
{{Ph-I-I}}

===[Company]'s response===
{{Ph-I-ComR}}

==Lawsuit==
{{Ph-I-L}}

==Consumer response==
{{Ph-I-ConR}}

==References==
{{reflist}}

{{Ph-I-C}}

Revolut

2026-03-27T15:33:28Z

SCRIPTERBLOX: Correct further data collected heading type

Revolut

2026-03-27T15:26:16Z

SCRIPTERBLOX: Removed products section

Revolut

2026-03-27T13:34:10Z

SCRIPTERBLOX: Included data collection from privacy policy

Revolut

2026-03-27T07:09:16Z

SCRIPTERBLOX: Restructured Consumer-impact summary + detailed user freedom

Revolut

2026-03-26T20:19:40Z

SCRIPTERBLOX: Cargo data modifications

Revolut

2026-03-26T20:09:56Z

SCRIPTERBLOX: Change type to service

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|ArticleType=Service
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|InProduction=Yes
|Logo=Revolut logo.svg
|ReleaseYear=2015}}

'''{{Wplink|Revolut}}''' offers free and subscription-based digital banking services.<ref>{{Cite news |title=What is Revolut? |publisher=BBC |first=Mary-Ann |last=Russon |url=https://www.bbc.com/news/business-47768661 |date=1 April 2019}}</ref> Launched in 2015 with over 70 million customers as of 2026<ref>{{cite web |title=2025 Annual Report |publisher=Revolut Group Holdings Ltd |url=https://assets.revolut.com/pdf/annualreport2025.pdf}}</ref>, its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==
{{Ph-C-CIS}}

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

==Products==
{{Ph-C-P}}

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-03-26T19:54:14Z

SCRIPTERBLOX: Fix: set corrected Cargo info

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|ArticleType=Product
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|InProduction=Yes
|Logo=Revolut logo.svg
|ReleaseYear=2015}}

'''{{Wplink|Revolut}}''' offers free and subscription-based digital banking services. Launched in 2015 with over 70 million customers as of 2026, its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==
{{Ph-C-CIS}}

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

==Products==
{{Ph-C-P}}

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-03-26T19:50:18Z

SCRIPTERBLOX: Update Cargo type

{{Incomplete}}
{{ProductCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Founded=2015
|ArticleType=Product
|Category=Digital Banking
|Company=Revolut Group Holdings Ltd
|Website=https://revolut.com
|InProduction=Yes
|Logo=Revolut logo.svg
}}

'''{{Wplink|Revolut}}''' offers free and subscription-based digital banking services. Launched in 2015 with over 70 million customers as of 2026, its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==
{{Ph-C-CIS}}

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

==Products==
{{Ph-C-P}}

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-03-26T19:44:10Z

SCRIPTERBLOX: Remove nonexistant second incident

{{Incomplete}}
{{CompanyCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Founded=2015
|Industry=Digital Banking
|Website=https://revolut.com
|Type=Private
|CompanyAlias=Revolut Group Holdings Ltd
|Logo=Revolut logo.svg}}

'''{{Wplink|Revolut}}''' offers free and subscription-based digital banking services. Launched in 2015 with over 70 million customers as of 2026, its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==
{{Ph-C-CIS}}

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

==Products==
{{Ph-C-P}}

==See also==

*[[Chase Bank]]
*[[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-03-26T19:40:43Z

SCRIPTERBLOX: Corrections and source formating correction

{{Incomplete}}
{{CompanyCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Founded=2015
|Industry=Digital Banking
|Website=https://revolut.com
|Type=Private
|CompanyAlias=Revolut Group Holdings Ltd
|Logo=Revolut logo.svg}}

'''{{Wplink|Revolut}}''' offers free and subscription-based digital banking services. Launched in 2015 with over 70 million customers as of 2026, its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.

==Consumer-impact summary==
{{Ph-C-CIS}}

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

===Example incident two (''date'')===
...

==Products==
{{Ph-C-P}}

==See also==

* [[Chase Bank]]
* [[PayPal]]

==References==
{{reflist}}
[[Category:{{PAGENAME}}]]

Revolut

2026-03-26T19:23:38Z

SCRIPTERBLOX: Fix: Corrected incident reference to main article

{{clear}}
{{CompanyCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Founded=2015
|Industry=Digital Banking
|Website=https://revolut.com
|CompanyAlias=Revolut Group Holdings Ltd|Logo=Revolut.webp}}

[https://revolut.com Revolut] offers free and subscription-based digital banking services. Launched in 2015 with over 70 million customers as of 2026, its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.<ref>{{Cite web |title=Revolut - Wikipedia |url=https://en.wikipedia.org/wiki/Revolut}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Revolut blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

<references />

Revolut

2026-03-26T19:21:35Z

SCRIPTERBLOX: Fix Logo

{{clear}}
{{CompanyCargo
|Description=Financial technology company known for its free and subscription-based digital banking services
|Founded=2015
|Industry=Digital Banking
|Website=https://revolut.com
|CompanyAlias=Revolut Group Holdings Ltd|Logo=Revolut.webp}}

[https://revolut.com Revolut] offers free and subscription-based digital banking services. Launched in 2015 with over 70 million customers as of 2026, its services include bank accounts, debit cards, credit cards, currency exchange, stock trading, cryptocurrency exchange and peer to peer payments.<ref>{{Cite web |title=Revolut - Wikipedia |url=https://en.wikipedia.org/wiki/Revolut}}</ref>

==Incidents==
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]].

===App explicitly blocked on Android ROMs claiming data security reasons (''2024 - Present):''===
{{Main|Blocked access for users with custom OS}}
In November 2024, Revolut pushed an update that removed support to users with custom OS on their device. The change was announced through an in-app message, which was shown after a user tried to log in. The change also affected users whom already had an account and funds at the Company.

<references />