Is Revolut safe or not?

Gefragt von: Herr Arno Jost
sternezahl: 4.8/5 (16 sternebewertungen)

Yes, Revolut is generally considered safe to use. It is a legitimate, fully licensed financial institution (a bank in the European Economic Area) that uses extensive security measures to protect customer funds and data.

Is there any risk with Revolut?

As an authorised financial institution compliant with Electronic Money Regulations, 100% of your main account balance is safeguarded.

Is Revolut safe in Germany?

Yes, Revolut is generally considered safe in Germany because its European entity, Revolut Bank UAB, holds a banking license in the EU, is regulated by the Bank of Lithuania and ECB, and deposits are protected up to €100,000 under Lithuania's deposit insurance, plus it uses strong security features like 2FA and virtual cards for fraud protection. While it's a digital service, it's a fully licensed bank in the EEA, offering core banking services with robust security measures. 

Can Revolut get your money back if scammed?

Yes, but first contact the merchant / platform via email, or / and take screenshots if their website is not available anymore. Then wait if they reply or not (I usually wait 1 day), contact Revolut and start a chargeback request.

What are the disadvantages of Revolut?

Disadvantages or improvement areas

Revolut is a debit card, not a credit card, so you will not have the benefits of a credit card. You will be able to transfer money abroad in more than 30 currencies at interbank exchange rates. In the standard plan you will not have access to priority chat.

Is my money safe with Revolut?

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How do I not get scammed on Revolut?

How can I keep my account safe from fraud?

  1. Be wary of 'too good to be true' offers.
  2. Never share PINs, passwords, or passcodes via phone or chat.
  3. Verify websites and sellers through reviews.
  4. Inspect high-value items in person or via video call with documentation.
  5. Type URLs directly, avoid unsolicited links.

Is there a monthly fee for a Revolut card?

Revolut customers can enjoy our Standard plan for no monthly fee. You can also choose to upgrade to a paid plan to unlock improved limits and partnership benefits on Premium, Metal, or Ultra.

Can someone take money from my Revolut account?

If you're concerned your card has been compromised, freeze your card immediately. If you believe your account has been used fraudulently, fill out a chargeback form and we'll help you resolve the issue.

Has Revolut been hacked?

In 2022, Revolut also suffered an unauthorized entry attack that resulted in the theft of the personal data of over 50,000 customers. This attack scenario fits with the DBIR findings of system intrusion, with stolen credentials likely to be the entry mechanism.

What is the best way to protect my bank account?

Log in to Online Banking to view your Security Meter level.

  1. Keep your contact information up to date. ...
  2. Create the strongest possible passwords. ...
  3. Allow push alerts on the Mobile Banking app. ...
  4. Protect your devices. ...
  5. Enable biometrics (fingerprint sign-on or facial recognition) ...
  6. Know the red flags that signal a scam.

Is Revolut a German bank?

Yes, Revolut operates as a licensed bank in Germany through its Lithuanian parent company, Revolut Bank UAB, which has a German branch (Zweigniederlassung Deutschland) and offers German IBANs (DE-IBANs) for German residents, making it a fully functional bank for daily use with deposit protection up to €100,000. 

Which is safer, PayPal or Revolut?

Safety & security

Both Revolut and PayPal are safe to use and protect your money during transfers. PayPal uses encryption to secure your information and offers buyer and seller protection for purchases. They're regulated by financial authorities and have established fraud prevention systems.

Are Revolut in trouble?

Revolut also fares badly when you look at Payment Systems Regulator (PSR) data exposing the firms that receive the most money as a result of APP fraud: for every £1m received into consumer accounts at Revolut, £756 of it was related to APP scams (in 2023).

Can people see your name on Revolut?

For personal or Joint accounts, your name is only displayed to others if the details entered are a match or close match. Your name will not be displayed to others if the details they enter don't match.

Can I trust the Revolut app?

Revolut is legitimate

You can send, spend, and exchange money almost instantly, and at real-time Revolut exchange rates.

Is it possible to get scammed on Revolut?

One of the most widespread Revolut scams starts with a phone call. The person on the other end claims to be from Revolut and says there's been a suspicious charge on your account—usually something like an Amazon Prime subscription. Some people receive a robotic message, others get a live person.

Can I get my money back if I was scammed?

They usually refund 100% of scam charges. Here's how to dispute a charge if you got scammed with a credit card: Call your credit card company's fraud department - The number is on the back of your card. Explain the fraudulent charge - Give them all the details about the scam.

Is Revolut safe in 2025?

As of September 2025, Revolut has an 'excellent' score of 4.6 out of 5 rating on Trustpilot based on more than 317,000 reviews.

Do banks refund scammed money in Revolut?

However, Revolut still follows a structured process to evaluate fraud reports and may issue refunds depending on the circumstances of the case. If you've been scammed, it's crucial to report it to Revolut as quickly as possible.

What are Revolut's fees?

Revolut offers free basic accounts, but fees apply for premium plans (Plus, Premium, Metal, Ultra) and for certain services like out-of-hours currency exchange (1% weekend fee), ATM withdrawals (especially out-of-network), and exceeding free allowances on paid plans for things like international transfers or currency conversions, with charges varying by plan, region, and transaction type (e.g., 0.5% fair usage fee over limits). Specific costs depend on your plan (Standard, Plus, Premium, Metal, Ultra) and location (e.g., US vs. Germany). 

Can I withdraw my money from Revolut?

We offer several ways to withdraw funds from your Revolut account: Send money to another bank account (local or international) Withdraw from ATMs with your Revolut card. Use a virtual card via Apple Pay or Google Pay.

What are the disadvantages of a Revolut card?

Conclusion: Is Revolut a good choice for you? However, one of the downsides of Revolut is the weekend exchange rate markup, which can be inconvenient. On top of their own exchange rate, Revolut charges customers a 1% fee for currency conversion during the weekend.

How much money can you withdraw from Revolut for free?

If you exceed your no-fee withdrawal limit, you'll be charged 2% of the withdrawal amount or a 400 Ft fee (whichever is greater) for each withdrawal in the rolling month. Here are the free withdrawal limits by plan: Standard: Ft 75,000 (or 5 withdrawals, whichever comes first) Plus: Ft 75,000.