document: {"document":{"title":"Revolut","text":"Personal terms\nIf you signed up to Revolut with an Italian address after 20:00 (EEST) 8 October 2020, these terms apply to you.\nIf you signed up before 20:00 (EEST) on 8 October 2020, our United Kingdom (UK) terms apply, unless you have received an email from us.\nTo see our UK terms, change the country selector to \"United Kingdom\"\nMy Revolut account\n1.\nWhy this information is important\nThis document sets out the terms and conditions for your Revolut personal account (your account) and its related services.\nIt also sets out other important things that you need to know.\nThese terms and conditions, along with the Fees page, Privacy Policy and any other terms and conditions that apply to our services, form a legal agreement (the agreement) between:\n    you, the account holder; and\n    us, Revolut Payments UAB (a company incorporated in the Republic of Lithuania with company number 304940980 and whose registered office and head office is at Konstitucijos ave.\n21B, 08130 Vilnius, the Republic of Lithuania).\nWe are authorised to issue e-money by the Bank of Lithuania under the Law on Electronic Money and Electronic Money Institutions of the Republic of Lithuania (Electronic Money Institution license number 42).\nThe Bank of Lithuania is the central bank and the financial supervisory authority of the Republic of Lithuania whose address is Gedimino ave.\n6, 01103 Vilnius, the Republic of Lithuania, registry number 188607684 (further information on the Bank of Lithuania can be obtained on its website at www.lb.lt, the Bank of Lithuania can be contacted at on telephone number +370 800 50 500).\nWe are also subject to the Law on Payments of the Republic of Lithuania which regulates our activities and liability, provision of payment services, rights and obligations of our customers and applicable fees.\nWe note that we operate and provide services on business days of the Republic of Lithuania and only when such business days in the Republic of Lithuania coincide with business days of the United Kingdom (UK).\nYou can ask for a copy of these terms and conditions through the Revolut app at any time.\nTo use all the functions of the app, you must be connected to the internet.\nIt's important for you to understand how your account works, so if you'd like more information you might find it helpful to read our FAQs. (\nThe FAQs don't form part of our agreement with you).\n2.\nWhat type of account is my Revolut Account?\nYour account is a payment account that holds your e-money.\nIt may hold e-money in different currencies at the same time.\nE-money is an electronic alternative to cash.\nIf you or someone else gives us money, we'll issue an equivalent value of e-money in the currency you or the other person chooses.\nWe'll store the e-money in your account and other people will accept it as payment.\nIn these terms and conditions, we use ‘money’ to refer to e-money.\n3.\nUsing money in your account\nOnce you have e-money in your account you'll be able to use our services.\nFor example, you can do the following: send money to and receive money from other Revolut accounts and non-Revolut accounts; change money from one currency to another (we call this a currency exchange).\nThe currencies available might change occasionally; make payments and withdraw cash using your Revolut Card; and view information about and manage your account.\nWe add new features and services all the time.\nWe’ll let you know about these through the Revolut app.\n4.\nCan I open a Revolut account?\nNormally you must be 18 or over to open a Revolut account.\nIf you are under 18 and we let you have a Revolut account or any other service, we'll let you know any special terms and conditions that apply.\nWhen you ask us to open an account, we or someone acting for us will ask for information about you and where the money you will put in your account comes from.\nWe do this for a number of reasons, including to check your credit score and identity, and to meet our legal and regulatory requirements.\nOur Privacy Policy explains more about how we use your information for these and other purposes.\nWhen we have the information we need, we will open your account.\nYou can’t:\n    open more than one Revolut personal account; or\n    open a new Revolut account if we've previously closed a Revolut account.\n5.\nHow do I get information on payments into and out of my account?\nYou can check all payments into and out of your account through the Revolut app.\nWe will not make any changes to your account information and it will be available to you through the Revolut app for eight years after you close your account.\nIf you need to keep a copy of the information after then, you will need to download it.\nYou can download information from the app at any time.\nWe will send a notification to your mobile device each time a payment goes into or out of your account.\nYou can turn off these notifications, through the Revolut app or in your device’s settings, at any time.\nIf you turn off notifications, you should regularly check your payments on the Revolut app.\nIt's important that you know what payments go into and out of your account, so we recommend that you do not turn off notifications.\nCommunicating with you\nWe'll usually communicate with you through the Revolut app.\nOther Revolut group entities may also communicate with you via the Revolut app if this is agreed with you and that entity.\nThis is how we will provide account information and tell you about any fraud, or suspected fraud, relating to your account.\nIt is also how we will tell you if there is a security threat to your account.\nMake sure you regularly check the Revolut app for this information.\nTo help keep your account safe, download the latest software for your mobile device and the latest version of the Revolut app as soon as they are available.\nWe may also communicate with you by text message or email, so you should regularly check your text messages and email account.\nYour consents, approvals, acceptances and other statements given using the Revolut app shall have the same legal validity as your signature on a written document.\nYour agreements concluded with us via the Revolut app shall be deemed to be written agreements concluded between you and us.\nAny instructions to Revolut for conducting operations and other actions submitted/executed from you through the Revolut app will be treated as submitted/executed by you and valid as actions performed by you.\nWe will usually communicate with you in English.\nKeep us in the loop\nPlease keep your details up to date and let us know immediately if any information you've given us changes.\nIf we discover that any of your information is incorrect we will update it.\nTo meet our legal and regulatory requirements we might sometimes need to ask for more information about you (for example, if your spending increases).\nPlease provide this information quickly so that there is no disruption to your account or our services.\n6.\nHow do I close my account?\nYou can close your account, and so end the agreement, at any time by letting us know.\nYou can do this through the Revolut app, by writing to us at our head office or by emailing us at feedback@revolut.com.\nYou will still have to pay any charges you've run up (for example, if you've asked for an extra Revolut Card).\nWe may also charge you any cancellation fees that apply to other agreements you've entered into with us (for example, if you cancel your Metal subscription).\nWhen you tell us you want to close your account we will give you the opportunity to withdraw the money we hold for you (we call this redemption).\nIf you want us to send you money in a different currency than the currency we're holding for you, we will convert the currency using the rate that applies at the time, and take our usual fee, before sending the money to you.\nCancelling your Revolut Card\nIf you change your mind and don't want a Revolut Card any more, that's not a problem.\nJust let us know and we'll cancel it.\n7.\nWhat happens after my account is closed?\nWe'll hold back enough money to cover any payments that you approved before your account was closed.\nYou'll also still owe us any money that you owed us while your account was open.\nHow do I get access to my money after my account has closed?\nFor eight years after your account has closed or your Revolut Card has expired you'll be able to contact customer services (at feedback@revolut.com) and ask them to send you the money we still hold for you.\nOnce your account is closed you can only withdraw your money in the currency of the country you live in.\nKeeping my account safe\n8.\nHow is my money protected?\nWe don't lend your money to others.\nWhen we receive a payment for your account, or you add money to it, we place the equivalent value of e-money in your account.\nWe quickly either:\n    place the money into our ring-fenced accounts that we hold with large global banks (ring-fenced accounts are separate from our own money); or\n    invest the payment in low-risk assets held in a separate account with financial institutions.\nWe call this safeguarding.\nSafeguarding helps protect you if we were to become insolvent.\nIn such case an administrator will repay you from our ring-fenced accounts.\nUnfortunately, the law doesn't allow us to pay you interest, and the money in your account isn't covered by any deposit insurance scheme.\n9.\nKeeping your security details and Revolut Card safe\nWe do everything we can to keep your money safe.\nWe ask you to do the same by keeping your security details and Revolut Card safe.\nThis means you shouldn't keep your security details near your Revolut Card, and you should disguise or protect them if you write them down or store them.\nDon’t share your security details with anyone other than an open-banking provider or third-party provider who is acting in line with regulatory requirements.\nWe've explained more about open-banking providers and third-party providers in section 10 of these terms and conditions.\nSometimes it's easy to forget to take the steps you should take to keep your money safe.\nHere are a couple of tips:\n    make sure you close down the Revolut app when you're not using it; and\n    keep your mobile phone and your email account secure and don't let other people use them.\nContact us through the Revolut app, as soon as possible, if your Revolut Card is lost or stolen, or if your Revolut Card or security details could be used without your permission.\nIf you can, you should also freeze your Revolut Card using the Revolut app or by calling the automated number below.\nIf you later realise there’s not a risk to your Revolut Card's security, you can unfreeze it.\nHow you can contact us\nWrite to us \tKonstitucijos ave.\n21B, 08130 Vilnius, the Republic of Lithuania\nFreeze your Revolut Card \t+370 5 214 3608\nTell us about a lost or stolen Revolut Card or security details \tSend us a message through the Revolut app on someone else's device.\nSend us a message on social media.\nEmail us on feedback@revolut.com\nCall us \t+370 5 214 3608\n10.\nMaking payments and accessing accounts using ‘open banking’\nYou can use ‘open banking’ to access the accounts you have with other providers via the Revolut app and to allow other providers to have access to your Revolut account.\nAllowing other providers to have access to your Revolut account\nYou can allow other providers to have access to your account information or make payments on your behalf.\nThese providers are often referred to as “open banking providers” or “third-party providers”.\nThese providers will often need to be authorised by a regulator such as the Bank of Lithuania or by the regulator of any other relevant country.\nIf you are thinking of using an open-banking provider or third-party provider, you should ask them for details of their authorisation (if they have any) and check this yourself. (\nYou can do this by checking the Bank of Lithuania's online register of authorised companies).\nWhen you access your Revolut account via an open banking provider or third-party provider, our terms and conditions still apply to your use of your Revolut account.\nSometimes we might have to block an open-banking provider’s or third-party provider’s access to your account (for example, if we're concerned about fraud, or if they don’t have the authorisation they need, or if there are legal or regulatory reasons for doing so).\nIf we do this, we'll try to let you know beforehand or as soon as possible afterwards.\nWe'll do this through the Revolut app or by email, unless it would be unlawful to do so or there are valid security reasons why we can’t.\nWe’ll also unblock the third-party provider as soon as the reasons for denying them access no longer exist.\nYou also have the right to block an open banking provider’s or third-party provider’s access to your Revolut account.\nYou should contact us if you think one is acting without your consent.\nWhen you use an open banking provider or a third-party provider, you authorise them and give consent to them to have access to your Revolut account information or make payments from your Revolut account on your behalf.\nHow we share your information for these and other purposes is set out in our Privacy Policy.\nUsing the Revolut app to access accounts with other providers\nYou can also access your accounts with other providers, and initiate payments from those accounts, via the Revolut app.\nWe call these our “Open Banking Services”.\nRevolut is authorised to provide these services.\nWhen you use our Open Banking Services to view information about an account you hold with another provider, you must authorise us to access that account.\nWe won’t store any of the sensitive payment data you provide to give that authorisation.\nOnce you’ve authorised us to access the account:\n    We will access your account information on your behalf (meaning information like your account details, transaction history and the features of your account).\n    We will analyse this information to provide spending insights to you (like suggesting how you might be able to save money).\n    You can revoke your consent at any time via the Revolut app.\nHow we use your information for these and other purposes is set out in our Privacy Policy.\nWhen you use our Open Banking Services to initiate a payment from an account you hold with another provider, you must authorise us to make that payment as well.\nWe won’t store any of the sensitive payment data you provide to give that authorisation.\nWe will consider that you gave us consent and authorised us to initiate payments from those accounts when you choose in Revolut app to use a certain payment service and after you fill in all necessary and requested information you submit it on Revolut app.\n11.\nAre there any restrictions on using the Revolut app or Revolut Card?\nPlease act reasonably and responsibly when using the Revolut app or Revolut Card.\nFor example, the Revolut app or Revolut Card must not be used (directly or indirectly) as follows:\n    for illegal purposes (for example, committing fraud);\n    in a way that we reasonably believe might harm our ability to provide our services;\n    only to send money to and receive money from a credit card account;\n    for any transactions to receive cash other than making a withdrawal from an ATM (cash machine);\n    to control or use a Revolut account that’s not yours;\n    to give Revolut Card to any other person;\n    to allow anyone else to have access to or use your account or the Revolut app;\n    to abuse, exploit or get around any usage restrictions set by a service provider your Revolut Card is registered with.\nFor example, you must only use one Revolut Card for any particular service provider that offers a free subscription or trial period; or\n    to trade in foreign currencies for speculative purposes (that is, to take advantage of any expected rise or fall in the value of a currency) or to take advantage of discrepancies in the foreign exchange market.\nPlease also act in a respectful way towards us and our support staff – we're here to help you.\nMoving money in and out\n12.\nAdding money to my account\nYou can add money to your account using a debit card or credit card registered with us (we call this your stored card) or by bank transfer.\nYour stored card must be in your name.\nWhen you add money by bank transfer, you must use the account details stated in the Revolut app.\nWhen we receive the money we will add the equivalent value of e-money to your account.\nMake sure you follow the prompts from the app carefully to avoid any delays.\nThe account details you must use to add money to your account will depend on the currency of the money you are adding.\nFor example, if you want to add money to your account in euro (€), you must use the ‘Euro account’ details stated in the Revolut app.\nIf you use a stored card or a bank account that is in one currency to add money to your account in another currency, your bank or card provider may charge a fee.\nWe will consider that you gave us consent and authorized us to execute the transaction once you submit your payment order on Revolut app.\nThere is more information on adding money to your account in our FAQs.\nNever worry about the balance of your Revolut account getting too low\nWe know that it's important to be able to make payments from your account whenever you want.\nYou can authorise us to add money to your account from your stored card whenever the value of money in your account drops below a certain amount.\nWe call this an auto-add.\nYou can cancel an auto-add at any time through the Revolut app or by contacting your card provider.\nPayment limits\nSometimes we might limit how much you can receive into or pay from your account, or how much you can withdraw or spend using your Revolut Card.\nWe might also limit the value of currency exchange you can carry out at any one time or over a period of time.\nThese limits can change from time to time.\nInformation about these limits is set out in our FAQs.\nKeep your currency consistent\nIt's important that any payment to your account is made in the currency of your account.\nOtherwise, the payment will be converted to the currency of your account.\nThis means that your account might be credited with more or less than you expected.\nWe won't be responsible for any losses if this happens.\n13.\nTransferring money between Revolut accounts\nYou can send money to, and receive money from, other Revolut accounts.\nWe call these sorts of payments Instant Transfers.\nAll Instant Transfers are received immediately.\nYou can make an Instant Transfer to another Revolut user’s account by choosing them from the contacts list in the Revolut app, by using their username, or by using any other method we provide to identify them, and following the prompts.\nIf you do not want other Revolut users who have you on their contact list to see that you are also a Revolut user, you can change the settings in your Revolut app at any time and revoke your consent to be visible.\nWe will consider that you gave us consent and authorized us to execute the transaction once you submit your payment order on Revolut app.\nGroup vaults\nIf you are a member of a Group Vault, you can send instant transfers to that as well.\nA Group Vault is an account set up and controlled by an individual Revolut user.\nAll members of a Group Vault can see the Group Vault’s transactions and leave it at any time.\nOnly the Revolut user who set up the Group Vault (the owner) can take money out of it, close it, and add or remove other members.\nYou should only join a Group Vault, or send money to it, if you trust the owner.\nMaking purchases using Pay with Revolut\nYou can also make an Instant Transfer to a business which uses \"Pay with Revolut\" to receive payments.\nThis can happen in the following two ways:\n    You can instruct us to make an Instant Transfer for a set amount from your Revolut Account to a business, either instantly or at a set date or dates in the future (for example, instead of paying by card in a checkout).\nWe call these payments \"Customer Initiated Payments\".\n    You can consent to a business being able to collect Instant Transfers from your Revolut account (for example, if you allow a business to collect payments from your account on a regular basis, like for a subscription ).\nWe call these \"Merchant Initiated Payments\".\nCustomer Initiated Payments\nCustomer Initiated Payments must be for a set amount.\nThe set amount will be a one-off payment.\nYou can turn off recurring Customer Initiated Payments to a business at any time (but you’ll need to turn it off the day before its due if you want to cancel it).\nYou will be asked to confirm and authenticate the amount of a Customer Initiated Payment, and any recurrence of it, in the checkout or signup flow.\nThe business will only ever be paid the amount you confirm and the business cannot collect any other payments without your permission.\nMerchant Initiated Payments\nMerchant Initiated Payments can be for any amount, but you set limits on the frequency and total or individual value of Merchant Initiated Payments a business can collect.\nYou can also turn off Merchant Initiated Payments to a business at any time.\nHowever, if a business asks us to collect a Merchant Initiated Payment from your account, and it is within the limits you have set, we will not ask you to approve it before it is made.\nWe will notify you in the Revolut app whenever a Customer Initiated Payment or Merchant Initiated Payment is made from your Revolut account.\nProtection when using Pay With Revolut\nPay with Revolut is a service we offer businesses to allow you to pay them directly from your Revolut account, without any frustrating card details.\nHowever, we want Pay with Revolut to work for you as well as for businesses.\nSo we have created a Buyer Protection Policy which applies when you make an eligible purchase using Pay with Revolut.\nRefunds for Merchant Initiated Payments\nMerchant Initiated Payments are collected from your account based on a consent you have given in the past.\nWe encourage businesses to tell you the amount of any Merchant Initiated Payment before they collect it.\nHowever, if you think a Merchant Initiated Payment has been taken from your account in error, you can ask us to refund it within 8 weeks of it being paid.\nTo request a refund, contact us via chat, and we will let you know if your refund is successful within 10 business days.\n14.\nMaking other types of payments\nIt's easy to send money to your or someone else's bank account.\nYou can make a one-off payment or set up a recurring payment.\nJust enter the sort code and account number (or, for international payments, the BIC and IBAN) of the account you’re sending money to in the Revolut app and follow the prompts.\nWe may need to ask for other information as well.\nUsing your Revolut Card\nYou can also make payments or withdraw cash using your Revolut Card.\nYou can do this by entering the details of your Revolut Card (the card number, expiry date and CVC number) or your PIN.\nWe will consider these actions as you giving consent to make payments or withdraw cash from your Revolut account.\nYou also give your consent to make payments from your Revolut Card by:\n    touching your Revolut Card at the terminal (a ‘contactless’ transaction) and taking other actions on the electronic card reader.\nNo PIN code is required for contactless payments up to a certain amount;\n    signing for the purchase on the receipt issued by the electronic card reader;\n    inserting your Revolut Card into the electronic card reader and doing something further that the electronic card reader requests without entering your PIN code (e. g. when paying the toll, car parking lot charges, etc.);\nor\n    providing your Revolut Card number and other details and consenting to the initiation of payment orders for debiting your account when entering into an agreement with a trader or service provider.\nWhen you use your Revolut Card to make a withdrawal from an ATM or make a payment (for example, in a shop or restaurant), we will consider the payment to be authorised by you unless:\n    you let us know that the money has been stolen from your account; or\n    you don't think we've carried out your instructions correctly.\nSometimes we might charge you a fee for making withdrawals.\nYou can read about these fees on our Fees page.\nWe are not responsible for losses where payments are returned in a different currency\nSometimes, money you've asked us to transfer to someone is not paid into their account and is returned to us.\nIf we had to carry out a currency exchange when we sent the payment, and can show that we did everything right, when we return the money to you we'll convert it back to the original currency.\nThis means that the amount you receive back into your account might be less than the payment you made (or it could be more!).\nWe would not be responsible for any losses that this causes you.\nTake care entering the details of the person you want to pay\nWhen you enter the details of the person you want to pay, make sure the details are correct.\nIf they’re not, your payment might be delayed or you might lose your money if it's sent to the wrong account.\nMake sure you know the person you are making a payment to.\nIf someone approaches you and asks you to make a payment to them, but you are not sure who they are or what the payment is for, you may be a victim of a scam.\nIf the person you want to pay does not receive the money, we won't be responsible if we processed the payment correctly but you gave us the wrong details.\nIf you ask us to, we'll be happy to try to get your money back, but this might be easier in some countries than in others.\nIf you contact our customer support team through the Revolut app we can give you information to help you try to recover the money, including details of the person who did receive the money (if we have those details).\nThe EEA is made up of all the countries in the European Union, plus Norway, Iceland and Liechtenstein.\nA ‘business day’ means a day that the banks are open in both the Republic of Lithuania and the UK.\nSEPA direct debits\nDepending on where you live, you may be able to pay direct debits, in euros, from your account to bank accounts held in the Single European Payments Area (which is all the countries in the EEA plus Switzerland, Monaco and San Marino).\nThese payments are called SEPA direct debits.\nThe bank holding the account the direct debit is to be paid to (the payee’s bank) is responsible for asking us for the payment when it is due.\nYou can:\n    limit the amount of a SEPA direct debit or how often it is paid from your account (or both);\n    cancel SEPA direct debits paid from your account; and\n    choose to only allow SEPA direct debits to be paid to certain people.\nYou can do this by contacting us through the Revolut app.\nIf you have set up a SEPA direct debit, the payee’s bank will ask for it on the business day before it is due and we will pay it to the bank on the due date.\nIf the due date is a non-working day for the payee’s bank (this is normally a weekend or bank holiday), it will reach the bank on the next working day.\nPlease read our FAQ on SEPA direct debits.\n15.\nWhat happens if a payment was sent to the wrong account, wasn’t sent at all or was delayed?\nWe'll always try to process your payments correctly and on time, but sometimes things go wrong and a payment might be delayed or not received by the person you wanted to pay.\nIf something has gone wrong and:\n    the person paying you;\n    the bank account you wanted to make the payment into; or\n    the retailer you were paying;\nis in the EEA, let us know through the Revolut app.\nYou need to let us know as soon as possible, and no later than 13 months after the amount was taken from your account.\nIf the money is not received into the account you sent it to, we'll refund the payment back into your account.\nIf you've had to pay any charges or interest as a result of our mistake, we'll refund those too.\nIf we received a payment on your behalf, but the money was not paid into your account on time, we'll immediately credit your account with the amount of the payment.\nThese rules don't apply to currency exchanges.\n16.\nSend and receive money using a payment link\nYou can send money to a friend who doesn't have a Revolut account by setting up a ‘payment link’.\nYou can do this by going into the Revolut app, entering the amount you want to send, clicking on ‘create payment link’, and sending the link to your friend.\nYou can also create a payment link to receive payments and send that link to your friend.\nOnce you've sent the link to your friend, they can complete the payment link by entering the details that are needed for them to send money to your account or receive money from it.\n    If you are receiving less than £250 (or the equivalent in a different currency), your friend will need to enter their debit or credit card details into the link within 24 hours.\nThe payment will then be made from their card.\n    If you are sending less than £250 (or the equivalent in a different currency), your friend will need to enter their bank account details into the link within 24 hours.\nThe payment will then be made to their bank account.\n    If you are sending or receiving more than £250 (or the equivalent in a different currency), your friend will be asked to join Revolut in order to complete the transaction.\nSometimes, even if the payment amount is less than £250 (or the equivalent in a different currency), your friend who receives the payment link may need to open a Revolut account before they can receive a payment.\nIf they don't open a Revolut account on time, we won't be able to make the payment to them or from them.\n17.\nWhat exchange rate do you use?\nIf you, via the Revolut app, tell us to make a currency exchange, or we need to convert the currency of a payment into or out of your account or a cash withdrawal made using your Revolut Card, we'll use an exchange rate based on our market rate, which is based on foreign-exchange markets.\nWe add a percentage mark-up if:\n    the currency isn’t always easily available (for example, Thai baht); or\n    you tell us to make a conversion outside foreign-exchange-market hours.\nA conversion will be outside foreign-exchange-market hours if it’s between midnight on a Saturday (UK time) and midnight on a Monday (UK time) (or in Vilnius time, between 2am Saturday and 2am Monday).\nYou can see our current exchange rates in the Revolut app.\nOnce we've converted the currency, your transaction history in the app will show the exchange rate we used.\nWe use the rate that applies at the time we carry out the conversion.\nYou can find more details of our mark-up in our Fees page\nWe’re not responsible if: you lose any money as a result of converting currency; or you’re charged any fees or lose any money because you're using your Revolut Card in another country and you ask the retailer (or the retailer's bank) to make the conversion. (\nFor example, imagine you're a Lithuanian customer travelling in Japan.\nWhen you pay your bill at a restaurant you agree to pay in Euro rather than yen.\nThis means you've asked for the retailer's bank to convert the currency.\nWe can't be responsible if that bank gives you a worse exchange rate or charges you fees).\n18.\nCan I cancel a payment or currency exchange?\nYou can cancel a payment (including a recurring payment or a SEPA direct debit) at any time up to the end of the business day before the payment is due to be paid from your account.\nYou can't cancel a payment on the same day it's due to be paid from your account.\nThis means that you cannot cancel transfers between Revolut accounts.\nYou also can't cancel a currency exchange once we've received your request to carry it out.\nIt’s easy to cancel a bank transfer\nYou can cancel a bank transfer through the Revolut app.\n19.\nHow long does it take to make a payment?\nWe understand that when you make a payment, one of the most important things is that the person the payment is for receives it on time.\nWhen their bank will receive the money depends on what time you tell us to make the payment, and the currency you want us to make it in.\nThe table below explains when we'll make payments.\nPlease note all times in these terms and conditions are based on UK time, that is, Greenwich Mean Time (GMT) from October to March, and British Summer Time (BST) from March to October.\nType of payment you want to make \tIf you provide your payment instruction at this time… \t…we'll receive your payment instruction at this time\nInstant transfer to a Revolut account \tAny time \tImmediately\nPayment to someone else's bank account \tBefore 1pm (or 3pm Vilnius time) on a business day \tImmediately\n\tAfter 1pm (or 3pm Vilnius time) on a business day \tThe next business day\n\tOn a day that is not a business day \tThe next business day\nPayment link transfer to a bank account \tAny time \tWhen the person you want to pay enters their bank details (as long as this is within 24 hours of you sending them the payment link)\nPayment to a bank account at a future date (such as a recurring payment) \tAny time \tThe same business day (if the payment is due to come out of your account on a business day) or the next business day (if the payment is due to come out of your account on a non-business day)\nThe table below sets out when we'll make payments in different currencies.\nCurrency of the payment \tOnce we’ve taken the payment from your account, the day it will reach the account of the person you are paying\n€ or £ \tThe same business day\nAny currency other than € or £, to a bank account in the EEA (not the UK) \tUp to four working days later\nAny currency other than € or £ to a bank account outside the EEA \tAs soon as we can get the payment there.\nHow long it takes would depend on where the bank of the person you want to pay is.\nPlease contact us through the Revolut app and we’ll do what we can to help you.\nIf you tell us to make a currency exchange you will receive the converted e-money immediately.\n20.\nWhen we will refuse or delay a payment\nWe must refuse to make a payment, or delay a payment, in the following circumstances:\n    if legal or regulatory requirements prevent us from making the payment or mean that we need to carry out further checks;\n    if you have broken these terms and conditions in a way that we reasonably believe justifies us refusing or delaying your payment;\n    if we believe that processing your instruction would break these terms and conditions or that your instruction doesn't contain all the information we need to make the payment properly;\n    if the amount is over, or would take you over, any limit that applies to your account.\nWe've set out the limits in our FAQs;\n    if there is not enough money available in your account to make the payment and cover any charge;\n    if a bankruptcy order is made against you or you've entered into an individual voluntary arrangement with your creditors;\n    if, even after doing everything reasonably possible, we won't be able to make the payment on time;\n    if a third party prevents us from making the payment (for example, if Mastercard or Visa do not allow a payment or cash withdrawal using your Revolut Card);\n    if you owe us money or we intend to exercise our right of set-off (as explained below);\n    if we have asked you for important information we reasonably need and you have not given us that information; or\n    if we have suspended your account.\nWe may also refuse to issue a new Revolut Card if you do not have enough money in your account to pay us to issue or deliver the card.\nWhen we refuse to make a payment, we’ll always (unless it would be unlawful or technically impossible for us to do so) try to let you know of that refusal, the reasons for that refusal (if possible), and the procedure for rectifying any factual errors that lead to that refusal.\nSuch notification shall be given to you as soon as practicable following the refusal.\nIf we can, we’ll use the Revolut app to tell you that we have refused to make a payment.\nIf you'd like to find out why we refused the payment, and what you can do to solve any problem, please contact us through the app.\nWe won't be responsible for any losses you suffer as a result of us refusing or delaying a payment.\n21.\nThird-party fees for making or receiving payments\nWe don't charge any fees for receiving payments.\nWe don’t charge any fees for sending local payments in your base currency either.\nIf you make a payment in another currency or to another country, we may charge a cross-border or SWIFT payment fee.\nThese fees are set out in our Fees Page.\nWe will always tell you about them, and tell you how much they cost, in the Revolut app before you make a payment.\nOther banks involved, such as the bank of the person you are paying or certain correspondent or intermediary banks (banks that help transfer the money between other banks) might sometimes take their fees from the payment you're sending or receiving.\nThis could mean that you or the person you are paying receives less than expected.\nFor example, you could only receive €90 from someone who has sent you €100 because the other person’s bank has charged a €10 fee.\nThis might happen if:\n    the bank of the person you are sending a payment to or receiving a payment from is within the EEA, and the payment is in a currency that is not the currency of an EEA member state; or\n    you make a payment to or receive a payment from someone whose bank is outside the EEA.\nTo be clear, we won’t charge you any fees ourselves for making or receiving payments.\nWe will always give you the full amount we receive from another bank.\nLikewise, we will always send the full amount that you ask us to send, but we can’t guarantee that the full amount will be paid into the other person’s account without a fee being taken by another bank.\nWhat happens if something goes wrong\n22.\nWhat happens if someone steals from my account?\nLet us know as soon as possible through the Revolut app (and no later than within 13 months from the date the money was taken from your account).\nWe'll pay the money back into your account if any of the following apply:\n    you couldn't have known that your security details or Revolut Card were at risk of being misused;\n    the payment happened because someone we're responsible for made a mistake;\n    the payment was taken after you told us that someone knew your security details or your Revolut Card was lost or stolen, or we didn't give you a way to tell us about this;\n    the law required us to make you follow certain prompts when you instructed us to make the payment and we didn't do this; or\n    you made a payment to pay for certain goods or services you bought online or through some other method that is not face-to-face (there are some types of contracts this might not apply to, such as contracts for rental accommodation, but we can give you more information about this when you let us know about the problem).\nWe'll also pay back any charges you had to pay as a result of the payment being taken from your account.\nWe won't refund any money if you've acted fraudulently, or you intentionally or carelessly failed to keep your security details or Revolut Card safe (unless you told us about this before the payment was taken from your account).\nFor example, we wouldn’t make a refund if you gave someone your Revolut Card PIN and they made a payment using your card without you knowing about it.\n23.\nWhen we might block your account or Revolut Card\nThe safety of your money is important to us.\nWe might prevent you from making payments from your account or with your Revolut Card if we're reasonably concerned about its security or that it might be used fraudulently or without your permission.\nWe might also have to block your account or Revolut Card to meet our legal obligations.\nWe'll tell you through the Revolut app before, or as soon as possible after, we block your Revolut app or Card.\nWe'll also let you know why we've done it (unless it would reduce your or our security or it would be unlawful).\nWe will unblock your account as soon as the reasons for the blocking your account no longer exist.\n24.\nWhen could you suspend or close my account?\nWe may close or suspend your account immediately, and end your access to our website, in exceptional circumstances.\nExceptional circumstances include the following:\n    if we have good reason to suspect that you are behaving fraudulently;\n    if you haven't given us (or someone acting on our behalf) any information we need, or we have good reason to believe that information you have provided is incorrect or not true;\n    if you've broken these terms and conditions in a serious or persistent way and you haven't put the matter right within a reasonable time of us asking you to;\n    if we have good reason to believe that your use of the Revolut app is harmful to us or our software, systems or hardware;\n    if we have good reason to believe that you continuing to use your account could damage our reputation or goodwill;\n    if we have asked you to repay money you owe us and you have not done so within a reasonable period of time;\n    if you've been declared bankrupt; or\n    if we have to do so under any law, regulation, court order or ombudsman’s instructions.\nWe may also decide to close or suspend your account for other reasons.\nWe would contact you through the Revolut app at least sixty (60) days before we do this.\nClosing your account and ending the agreement may also end any other agreements you have with us or through us.\nYou can get more information through the Revolut app or by contacting us.\n25.\nWe can change these terms\n>We'll only change these terms and conditions for the following reasons: if we think it will make them easier to understand or more helpful to you; to reflect the way our business is run, particularly if the change is needed because of a change in the way any financial system or technology is provided; to reflect legal or regulatory requirements that apply to us; to reflect changes in the cost of running our business; or because we are changing or introducing new services or products that affect our existing services or products covered by these terms and conditions.\nTelling you about changes\nIf we add a new product or service that doesn't change the terms and conditions of your account, we may add the product or service immediately and let you know before you use it.\nOtherwise, we'll give you sixty (60) days' notice through the Revolut app before we make any change.\nWe'll assume you're happy with the change unless you tell us that you want to close your account before the change comes into effect.\n26.\nYour refund rights for Revolut Card payments and SEPA direct debits\nRevolut Card payments\nYou can ask us to refund an amount taken from your account if all of the following apply:\n    you agreed that a payment could be taken, but didn't agree the actual amount of the payment;\n    the amount taken is more than you reasonably expected in all the circumstances (including your spending pattern);\n    the person you paid is in the EEA;\n    you didn't authorise the payment directly with us;\n    we and the person you paid did not give you any information about the payment during the four weeks before it was taken; and\n    you ask us for the refund within eight weeks of the payment being taken from your account.\nFor example, you could get a refund if you gave a hotel permission to charge your Revolut Card for anything you take from the minibar, but the hotel has charged you more money than you could reasonably have expected at the time you gave them permission to do this.\nWe may ask you for more information to investigate the matter.\nWe'll provide a refund, or tell you why we couldn't provide one, within 10 business days from the date you give us the information we ask for.\nSEPA direct debits\nIf you have made a SEPA direct debit, the circumstances shown above do not need to apply.\nYou will be entitled to an unconditional refund if you contact us within eight weeks of the date the payment was taken out of your account.\nReversing refunds\nIf we give you a refund and then find that you weren't entitled to it, you will have to pay us back.\n27.\nAre you responsible if something goes wrong with my account, my Revolut Card or the Revolut app?\nWe'll do as much as reasonably possible to make sure that our services are not interrupted and are accessible at a reasonable speed.\nHowever, we can't promise that this will always be the case or that the services will be free from faults.\nWe also rely on some third parties to provide services to you, which can sometimes disrupt our services.\nWe’ll always do our best to solve any problems with our services, no matter what the cause.\nIf you have a Revolut Card, we will let you know about any changes to our system that will affect your ability to use the card.\nWe will not be responsible for losses resulting from us failing to meet our obligations for payments into and out of your account because: of a legal or regulatory requirement; unforeseeable events outside our control, which were unavoidable at the time; of criminal or any other illegal actions of third parties resulting in damage to you or any other person; or of the blocking of your account when implementing legal requirements, including those in relation to anti-money laundering and counter-terrorist financing.\nIf you can't use your Revolut Card for any reason we will only be responsible to you for replacing the card.\nWe will only be responsible for foreseeable losses\nIf we break the agreement, we will only be responsible for any loss that we could have foreseen at the time we entered into the agreement.\nWe won't be responsible to you for any of the following, whether direct or indirect, that arises in connection with these terms and conditions:\n    loss of income or profit;\n    loss of goodwill or damage to your reputation;\n    loss of business contracts or opportunities;\n    loss of anticipated savings; or\n    consequential loss.\nNothing in these terms and conditions removes or limits our liability for death or personal injury resulting from our negligence or from fraud or fraudulent claims and statements.\n28.\nHow you might owe us money\nYou cannot borrow money on your account (for example, make payments of more than the value of the money in it), although you may be able to benefit from one of our credit products.\nIf your balance becomes negative (for example, because you do not have enough e-money to cover fees you owe us), you must within 7 (seven) days upon our request to top up your account with the required amount to correct the negative balance.\nIf you owe us money, we can take the amount you owe us from any amount we are due to pay to you.\nWe call this our right of set-off.\nPaying fees or other amounts you owe us (other than third-party fees for making or receiving payments)\nThe fees you may have to pay us are listed in our Fees page.\nIf you owe us fees (other than third-party fees for making or receiving a payment) or any other amount, we'll take the amount you owe us from your account, in the currency of the country you live in (your base currency).\nIf not enough money in your account is held in your base currency, we'll take the equivalent value from money you hold in another currency.\nIf you don't have enough money in your account to pay the fees or other amounts you owe us, we might recover the amount in another way, as explained below.\nYou may be responsible for paying taxes or costs that apply to payments you make or receive through your account and that we are not responsible for collecting from you.\nSometimes, for example if you're a legal resident of the Republic of Ireland or you withdraw money through an ATM in the Republic of Ireland, we may collect the appropriate amount of stamp duty up to the legal maximum as required by the Irish Revenue Commissioners.\nSo please make sure you check for yourself!\nIf you owe us money and you don't top up your account or repay us within seven days, we can recover the amount by:\n    taking the amount you owe us from your stored card;\n    exercising our right of set-off; or\n    taking other legal steps to recover the money you owe us, such as instructing lawyers or debt collectors.\nIf we take any (or all) of these steps, we might charge you our reasonable costs.\n29.\nWhen you might be responsible for our losses\nYou may be responsible to us for certain losses\nIf you have broken these terms and conditions, and this has caused us to suffer a loss, the following will apply:\n    you will be responsible for any losses we suffer as a result of your action (we will try to keep the losses to a minimum);\n    if your actions result in us losing profits, you may also be responsible for those losses.\nYou won't be responsible if this would mean that we are compensated twice for the same loss; and\n    you will also be responsible for any reasonable legal costs that arise as a result of our losses.\n30.\nHow to make a complaint\nIf you’re unhappy with our service, we’ll try to put things right\nWe always do our best, but we realise that things sometimes go wrong.\nIf you have a complaint, please contact us.\nWe will accept and consider any complaint sent by you to us.\nOur final response to your complaint, or a letter explaining why the final response has not been completed, will be provided to you within 15 business days after your complaint having is made, and in exceptional circumstances, within 35 business days (and we will let you know if this is the case).\nOut of court dispute resolution authority for complaints related to financial services\nIf you are unhappy with how we have dealt with your complaint, you can refer it to the Bank of Lithuania within 1 (one) year of the date you sent us your complaint.\nIn this case the Bank of Lithuania would act as out of court dispute resolution authority dealing with disputes between consumers and financial service providers.\nTheir address is: Gedimino ave.\n6, 01103 Vilnius, the Republic of Lithuania.\nYou can find more information on their website.\nPlease note that should you wish to have a possibility to apply to the Bank of Lithuania as to the out of court dispute resolution authority, then you shall make your complaint to us within 3 (three) months from the day that you found out or should have found out about the alleged violation of your rights or legitimate interests arising from agreement with us.\nExamination of the complaint at the Bank of Lithuania is free of charge.\nThe out of court dispute resolution authority for consumer disputes not related to Bank of Lithuania competences is the State Consumer Rights Protection Authority.\nTheir address is: Vilniaus str.\n25, 01402, Vilnius, the Republic of Lithuania.\nYou can find more information on their website.\nYou can also rely on the mandatory consumer protection rules of the EEA country where you live.\nOut of court dispute resolution authority for complaints related to processing of personal data\nYou have the right to make a complaint to the State Data Protection Inspectorate (SDPI), the Lithuanian supervisory authority for data protection issues.\nTheir address is: L. Sapiegos str.\n17, 10312, Vilnius, the Republic of Lithuania; e-mail: ada@ada.lt.\nYou can find more information on their website.\nMore information\nClick here for more information about our complaints handling procedure.\nHow to make a complaint\nIf you'd just like to speak to someone about an issue that's concerning you, please contact us through the Revolut app.\nWe can usually settle matters quickly through the app.\nYou’ll probably need to give us the information below.\nIf you prefer you can make your complaint using this form.\nOr you can email us at formalcomplaints@revolut.com.\nYou’ll need to tell us:\n    your name and surname;\n    the phone number and email address associated with your account;\n    what the issue is;\n    when the problem arose; and\n    how you'd like us to put the matter right.\nWe'll look into your complaint and respond to you by email.\nWe will communicate with you in English or Lithuanian, unless we tell you otherwise.\nIrrespective of the above, you always have the right to approach the out of court dispute resolution authorities mentioned above in relation to any complaint about our service.\nYou also have the right to apply to any competent court if you think we have breached the law.\nLegal bits and pieces\n31.\nPermission for us to process your personal information\nTo provide services under the agreement we need to collect information about you.\nUnder data protection law, we are what is known as the ‘data controller’ of your personal information.\nFor more information about how we use your personal information, see our Privacy Policy.\nBy entering into the agreement you are giving us permission to gather and store your personal information for the purpose of providing our services to you.\nThis doesn’t affect any rights and obligations you or we have under data protection law.\nYou can withdraw your permission by closing your account, which will end the agreement between you and us.\nIf you do this, we’ll stop using your information for the purpose of providing our services, but we may need to keep your information for other legal reasons.\nConfidentiality\nBy entering into this agreement you give us permission to disclose to other entities within the Revolut group (including Revolut Bank UAB and Revolut Ltd), the following information:\n    the fact that you are our client;\n    the services we provide to you;\n    the account number;\n    your account balance(s);\n    operations performed or being performed on your behalf;\n    your debt obligations to us;\n    circumstances of providing the financial services to you;\n    your financial situation and assets;\n    other commercial information you have provided to us when opening the account; and\n    your activities, plans, debt obligations or transactions with other persons.\nAll of the above we call a “client secret”, which we have to protect as required by the applicable regulations.\nBy entering into the agreement you understand and confirm that in case you haven‘t changed your preferences in Revolut app, other Revolut users having you in their contact list will be aware of the fact that you are our client.\nYou can change your preferences at any time.\n32.\nOur intellectual property\nAll the intellectual property in our products (for example, the content in our app and on our website, our logo and card designs) are owned by our parent company, Revolut Ltd (a company incorporated in England and Wales with company number 08804411, whose registered office is at 7 Westferry Circus, Canary Wharf, London, E14 4HD, United Kingdom) and being used by us and other Revolut Group companies.\nYou must not use this intellectual property as your own, except to enjoy our products.\nYou also must not reverse-engineer any of our products (that is, reproduce them after a detailed examination of their construction or composition).\n33.\nSome legal bits and pieces\nOur contract with you\nOnly you and we have any rights under the agreement.\nThe agreement is personal to you and you cannot transfer any rights or obligations under it to anyone else.\nOur right to transfer and assign\nYou permit us to transfer or assign all of our rights and obligations under these terms and conditions to any third party.\nWe will only transfer any of your and our rights or obligations under the agreement if we reasonably think that this won't have a significant negative effect on your rights under these terms and conditions or we need to do so to keep to any legal or regulatory requirement.\nWhen we transfer rights and obligations we call this ‘novation’.\nWhen we only transfer rights, we call this ‘assignment’.\nLithuanian law applies\nThe laws of the Republic of Lithuania apply to these terms and conditions and the agreement.\nDespite this, you can still rely on the mandatory consumer protection rules of the EEA country where you live.\nThe English version of the agreement applies\nIf these terms and conditions are translated into another language, the translation is for reference only and the English version will apply.\nBy entering into this agreement and accepting Revolut services, you confirm that you understand English language and agree to communicate with Revolut in English language as far as the legal relations arising under this agreement are concerned including with respect to submitting and resolving any complaints.\nOur right to enforce the agreement\nIf you have broken the agreement between you and us and we don't enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing those or any other rights at a later date.\nTaking legal action against us\nLegal action under these terms and conditions can only be brought in the courts of the Republic of Lithuania (or in the courts of any EU Member State where you have a statutory right to bring legal action under these terms and conditions).\n","paragraphs":null,"sentences":["Personal terms","If you signed up to Revolut with an Italian address after 20:00 (EEST) 8 October 2020, these terms apply to you.","If you signed up before 20:00 (EEST) on 8 October 2020, our United Kingdom (UK) terms apply, unless you have received an email from us.","To see our UK terms, change the country selector to \"United Kingdom\"","My Revolut account","1.","Why this information is important","This document sets out the terms and conditions for your Revolut personal account (your account) and its related services.","It also sets out other important things that you need to know.","These terms and conditions, along with the Fees page, Privacy Policy and any other terms and conditions that apply to our services, form a legal agreement (the agreement) between:","    you, the account holder; and","    us, Revolut Payments UAB (a company incorporated in the Republic of Lithuania with company number 304940980 and whose registered office and head office is at Konstitucijos ave.","21B, 08130 Vilnius, the Republic of Lithuania).","We are authorised to issue e-money by the Bank of Lithuania under the Law on Electronic Money and Electronic Money Institutions of the Republic of Lithuania (Electronic Money Institution license number 42).","The Bank of Lithuania is the central bank and the financial supervisory authority of the Republic of Lithuania whose address is Gedimino ave.","6, 01103 Vilnius, the Republic of Lithuania, registry number 188607684 (further information on the Bank of Lithuania can be obtained on its website at www.lb.lt, the Bank of Lithuania can be contacted at on telephone number +370 800 50 500).","We are also subject to the Law on Payments of the Republic of Lithuania which regulates our activities and liability, provision of payment services, rights and obligations of our customers and applicable fees.","We note that we operate and provide services on business days of the Republic of Lithuania and only when such business days in the Republic of Lithuania coincide with business days of the United Kingdom (UK).","You can ask for a copy of these terms and conditions through the Revolut app at any time.","To use all the functions of the app, you must be connected to the internet.","It's important for you to understand how your account works, so if you'd like more information you might find it helpful to read our FAQs. (","The FAQs don't form part of our agreement with you).","2.","What type of account is my Revolut Account?","Your account is a payment account that holds your e-money.","It may hold e-money in different currencies at the same time.","E-money is an electronic alternative to cash.","If you or someone else gives us money, we'll issue an equivalent value of e-money in the currency you or the other person chooses.","We'll store the e-money in your account and other people will accept it as payment.","In these terms and conditions, we use ‘money’ to refer to e-money.","3.","Using money in your account","Once you have e-money in your account you'll be able to use our services.","For example, you can do the following: send money to and receive money from other Revolut accounts and non-Revolut accounts; change money from one currency to another (we call this a currency exchange).","The currencies available might change occasionally; make payments and withdraw cash using your Revolut Card; and view information about and manage your account.","We add new features and services all the time.","We’ll let you know about these through the Revolut app.","4.","Can I open a Revolut account?","Normally you must be 18 or over to open a Revolut account.","If you are under 18 and we let you have a Revolut account or any other service, we'll let you know any special terms and conditions that apply.","When you ask us to open an account, we or someone acting for us will ask for information about you and where the money you will put in your account comes from.","We do this for a number of reasons, including to check your credit score and identity, and to meet our legal and regulatory requirements.","Our Privacy Policy explains more about how we use your information for these and other purposes.","When we have the information we need, we will open your account.","You can’t:","    open more than one Revolut personal account; or","    open a new Revolut account if we've previously closed a Revolut account.","5.","How do I get information on payments into and out of my account?","You can check all payments into and out of your account through the Revolut app.","We will not make any changes to your account information and it will be available to you through the Revolut app for eight years after you close your account.","If you need to keep a copy of the information after then, you will need to download it.","You can download information from the app at any time.","We will send a notification to your mobile device each time a payment goes into or out of your account.","You can turn off these notifications, through the Revolut app or in your device’s settings, at any time.","If you turn off notifications, you should regularly check your payments on the Revolut app.","It's important that you know what payments go into and out of your account, so we recommend that you do not turn off notifications.","Communicating with you","We'll usually communicate with you through the Revolut app.","Other Revolut group entities may also communicate with you via the Revolut app if this is agreed with you and that entity.","This is how we will provide account information and tell you about any fraud, or suspected fraud, relating to your account.","It is also how we will tell you if there is a security threat to your account.","Make sure you regularly check the Revolut app for this information.","To help keep your account safe, download the latest software for your mobile device and the latest version of the Revolut app as soon as they are available.","We may also communicate with you by text message or email, so you should regularly check your text messages and email account.","Your consents, approvals, acceptances and other statements given using the Revolut app shall have the same legal validity as your signature on a written document.","Your agreements concluded with us via the Revolut app shall be deemed to be written agreements concluded between you and us.","Any instructions to Revolut for conducting operations and other actions submitted/executed from you through the Revolut app will be treated as submitted/executed by you and valid as actions performed by you.","We will usually communicate with you in English.","Keep us in the loop","Please keep your details up to date and let us know immediately if any information you've given us changes.","If we discover that any of your information is incorrect we will update it.","To meet our legal and regulatory requirements we might sometimes need to ask for more information about you (for example, if your spending increases).","Please provide this information quickly so that there is no disruption to your account or our services.","6.","How do I close my account?","You can close your account, and so end the agreement, at any time by letting us know.","You can do this through the Revolut app, by writing to us at our head office or by emailing us at feedback@revolut.com.","You will still have to pay any charges you've run up (for example, if you've asked for an extra Revolut Card).","We may also charge you any cancellation fees that apply to other agreements you've entered into with us (for example, if you cancel your Metal subscription).","When you tell us you want to close your account we will give you the opportunity to withdraw the money we hold for you (we call this redemption).","If you want us to send you money in a different currency than the currency we're holding for you, we will convert the currency using the rate that applies at the time, and take our usual fee, before sending the money to you.","Cancelling your Revolut Card","If you change your mind and don't want a Revolut Card any more, that's not a problem.","Just let us know and we'll cancel it.","7.","What happens after my account is closed?","We'll hold back enough money to cover any payments that you approved before your account was closed.","You'll also still owe us any money that you owed us while your account was open.","How do I get access to my money after my account has closed?","For eight years after your account has closed or your Revolut Card has expired you'll be able to contact customer services (at feedback@revolut.com) and ask them to send you the money we still hold for you.","Once your account is closed you can only withdraw your money in the currency of the country you live in.","Keeping my account safe","8.","How is my money protected?","We don't lend your money to others.","When we receive a payment for your account, or you add money to it, we place the equivalent value of e-money in your account.","We quickly either:","    place the money into our ring-fenced accounts that we hold with large global banks (ring-fenced accounts are separate from our own money); or","    invest the payment in low-risk assets held in a separate account with financial institutions.","We call this safeguarding.","Safeguarding helps protect you if we were to become insolvent.","In such case an administrator will repay you from our ring-fenced accounts.","Unfortunately, the law doesn't allow us to pay you interest, and the money in your account isn't covered by any deposit insurance scheme.","9.","Keeping your security details and Revolut Card safe","We do everything we can to keep your money safe.","We ask you to do the same by keeping your security details and Revolut Card safe.","This means you shouldn't keep your security details near your Revolut Card, and you should disguise or protect them if you write them down or store them.","Don’t share your security details with anyone other than an open-banking provider or third-party provider who is acting in line with regulatory requirements.","We've explained more about open-banking providers and third-party providers in section 10 of these terms and conditions.","Sometimes it's easy to forget to take the steps you should take to keep your money safe.","Here are a couple of tips:","    make sure you close down the Revolut app when you're not using it; and","    keep your mobile phone and your email account secure and don't let other people use them.","Contact us through the Revolut app, as soon as possible, if your Revolut Card is lost or stolen, or if your Revolut Card or security details could be used without your permission.","If you can, you should also freeze your Revolut Card using the Revolut app or by calling the automated number below.","If you later realise there’s not a risk to your Revolut Card's security, you can unfreeze it.","How you can contact us","Write to us \tKonstitucijos ave.","21B, 08130 Vilnius, the Republic of Lithuania","Freeze your Revolut Card \t+370 5 214 3608","Tell us about a lost or stolen Revolut Card or security details \tSend us a message through the Revolut app on someone else's device.","Send us a message on social media.","Email us on feedback@revolut.com","Call us \t+370 5 214 3608","10.","Making payments and accessing accounts using ‘open banking’","You can use ‘open banking’ to access the accounts you have with other providers via the Revolut app and to allow other providers to have access to your Revolut account.","Allowing other providers to have access to your Revolut account","You can allow other providers to have access to your account information or make payments on your behalf.","These providers are often referred to as “open banking providers” or “third-party providers”.","These providers will often need to be authorised by a regulator such as the Bank of Lithuania or by the regulator of any other relevant country.","If you are thinking of using an open-banking provider or third-party provider, you should ask them for details of their authorisation (if they have any) and check this yourself. (","You can do this by checking the Bank of Lithuania's online register of authorised companies).","When you access your Revolut account via an open banking provider or third-party provider, our terms and conditions still apply to your use of your Revolut account.","Sometimes we might have to block an open-banking provider’s or third-party provider’s access to your account (for example, if we're concerned about fraud, or if they don’t have the authorisation they need, or if there are legal or regulatory reasons for doing so).","If we do this, we'll try to let you know beforehand or as soon as possible afterwards.","We'll do this through the Revolut app or by email, unless it would be unlawful to do so or there are valid security reasons why we can’t.","We’ll also unblock the third-party provider as soon as the reasons for denying them access no longer exist.","You also have the right to block an open banking provider’s or third-party provider’s access to your Revolut account.","You should contact us if you think one is acting without your consent.","When you use an open banking provider or a third-party provider, you authorise them and give consent to them to have access to your Revolut account information or make payments from your Revolut account on your behalf.","How we share your information for these and other purposes is set out in our Privacy Policy.","Using the Revolut app to access accounts with other providers","You can also access your accounts with other providers, and initiate payments from those accounts, via the Revolut app.","We call these our “Open Banking Services”.","Revolut is authorised to provide these services.","When you use our Open Banking Services to view information about an account you hold with another provider, you must authorise us to access that account.","We won’t store any of the sensitive payment data you provide to give that authorisation.","Once you’ve authorised us to access the account:","    We will access your account information on your behalf (meaning information like your account details, transaction history and the features of your account).","    We will analyse this information to provide spending insights to you (like suggesting how you might be able to save money).","    You can revoke your consent at any time via the Revolut app.","How we use your information for these and other purposes is set out in our Privacy Policy.","When you use our Open Banking Services to initiate a payment from an account you hold with another provider, you must authorise us to make that payment as well.","We won’t store any of the sensitive payment data you provide to give that authorisation.","We will consider that you gave us consent and authorised us to initiate payments from those accounts when you choose in Revolut app to use a certain payment service and after you fill in all necessary and requested information you submit it on Revolut app.","11.","Are there any restrictions on using the Revolut app or Revolut Card?","Please act reasonably and responsibly when using the Revolut app or Revolut Card.","For example, the Revolut app or Revolut Card must not be used (directly or indirectly) as follows:","    for illegal purposes (for example, committing fraud);","    in a way that we reasonably believe might harm our ability to provide our services;","    only to send money to and receive money from a credit card account;","    for any transactions to receive cash other than making a withdrawal from an ATM (cash machine);","    to control or use a Revolut account that’s not yours;","    to give Revolut Card to any other person;","    to allow anyone else to have access to or use your account or the Revolut app;","    to abuse, exploit or get around any usage restrictions set by a service provider your Revolut Card is registered with.","For example, you must only use one Revolut Card for any particular service provider that offers a free subscription or trial period; or","    to trade in foreign currencies for speculative purposes (that is, to take advantage of any expected rise or fall in the value of a currency) or to take advantage of discrepancies in the foreign exchange market.","Please also act in a respectful way towards us and our support staff – we're here to help you.","Moving money in and out","12.","Adding money to my account","You can add money to your account using a debit card or credit card registered with us (we call this your stored card) or by bank transfer.","Your stored card must be in your name.","When you add money by bank transfer, you must use the account details stated in the Revolut app.","When we receive the money we will add the equivalent value of e-money to your account.","Make sure you follow the prompts from the app carefully to avoid any delays.","The account details you must use to add money to your account will depend on the currency of the money you are adding.","For example, if you want to add money to your account in euro (€), you must use the ‘Euro account’ details stated in the Revolut app.","If you use a stored card or a bank account that is in one currency to add money to your account in another currency, your bank or card provider may charge a fee.","We will consider that you gave us consent and authorized us to execute the transaction once you submit your payment order on Revolut app.","There is more information on adding money to your account in our FAQs.","Never worry about the balance of your Revolut account getting too low","We know that it's important to be able to make payments from your account whenever you want.","You can authorise us to add money to your account from your stored card whenever the value of money in your account drops below a certain amount.","We call this an auto-add.","You can cancel an auto-add at any time through the Revolut app or by contacting your card provider.","Payment limits","Sometimes we might limit how much you can receive into or pay from your account, or how much you can withdraw or spend using your Revolut Card.","We might also limit the value of currency exchange you can carry out at any one time or over a period of time.","These limits can change from time to time.","Information about these limits is set out in our FAQs.","Keep your currency consistent","It's important that any payment to your account is made in the currency of your account.","Otherwise, the payment will be converted to the currency of your account.","This means that your account might be credited with more or less than you expected.","We won't be responsible for any losses if this happens.","13.","Transferring money between Revolut accounts","You can send money to, and receive money from, other Revolut accounts.","We call these sorts of payments Instant Transfers.","All Instant Transfers are received immediately.","You can make an Instant Transfer to another Revolut user’s account by choosing them from the contacts list in the Revolut app, by using their username, or by using any other method we provide to identify them, and following the prompts.","If you do not want other Revolut users who have you on their contact list to see that you are also a Revolut user, you can change the settings in your Revolut app at any time and revoke your consent to be visible.","We will consider that you gave us consent and authorized us to execute the transaction once you submit your payment order on Revolut app.","Group vaults","If you are a member of a Group Vault, you can send instant transfers to that as well.","A Group Vault is an account set up and controlled by an individual Revolut user.","All members of a Group Vault can see the Group Vault’s transactions and leave it at any time.","Only the Revolut user who set up the Group Vault (the owner) can take money out of it, close it, and add or remove other members.","You should only join a Group Vault, or send money to it, if you trust the owner.","Making purchases using Pay with Revolut","You can also make an Instant Transfer to a business which uses \"Pay with Revolut\" to receive payments.","This can happen in the following two ways:","    You can instruct us to make an Instant Transfer for a set amount from your Revolut Account to a business, either instantly or at a set date or dates in the future (for example, instead of paying by card in a checkout).","We call these payments \"Customer Initiated Payments\".","    You can consent to a business being able to collect Instant Transfers from your Revolut account (for example, if you allow a business to collect payments from your account on a regular basis, like for a subscription ).","We call these \"Merchant Initiated Payments\".","Customer Initiated Payments","Customer Initiated Payments must be for a set amount.","The set amount will be a one-off payment.","You can turn off recurring Customer Initiated Payments to a business at any time (but you’ll need to turn it off the day before its due if you want to cancel it).","You will be asked to confirm and authenticate the amount of a Customer Initiated Payment, and any recurrence of it, in the checkout or signup flow.","The business will only ever be paid the amount you confirm and the business cannot collect any other payments without your permission.","Merchant Initiated Payments","Merchant Initiated Payments can be for any amount, but you set limits on the frequency and total or individual value of Merchant Initiated Payments a business can collect.","You can also turn off Merchant Initiated Payments to a business at any time.","However, if a business asks us to collect a Merchant Initiated Payment from your account, and it is within the limits you have set, we will not ask you to approve it before it is made.","We will notify you in the Revolut app whenever a Customer Initiated Payment or Merchant Initiated Payment is made from your Revolut account.","Protection when using Pay With Revolut","Pay with Revolut is a service we offer businesses to allow you to pay them directly from your Revolut account, without any frustrating card details.","However, we want Pay with Revolut to work for you as well as for businesses.","So we have created a Buyer Protection Policy which applies when you make an eligible purchase using Pay with Revolut.","Refunds for Merchant Initiated Payments","Merchant Initiated Payments are collected from your account based on a consent you have given in the past.","We encourage businesses to tell you the amount of any Merchant Initiated Payment before they collect it.","However, if you think a Merchant Initiated Payment has been taken from your account in error, you can ask us to refund it within 8 weeks of it being paid.","To request a refund, contact us via chat, and we will let you know if your refund is successful within 10 business days.","14.","Making other types of payments","It's easy to send money to your or someone else's bank account.","You can make a one-off payment or set up a recurring payment.","Just enter the sort code and account number (or, for international payments, the BIC and IBAN) of the account you’re sending money to in the Revolut app and follow the prompts.","We may need to ask for other information as well.","Using your Revolut Card","You can also make payments or withdraw cash using your Revolut Card.","You can do this by entering the details of your Revolut Card (the card number, expiry date and CVC number) or your PIN.","We will consider these actions as you giving consent to make payments or withdraw cash from your Revolut account.","You also give your consent to make payments from your Revolut Card by:","    touching your Revolut Card at the terminal (a ‘contactless’ transaction) and taking other actions on the electronic card reader.","No PIN code is required for contactless payments up to a certain amount;","    signing for the purchase on the receipt issued by the electronic card reader;","    inserting your Revolut Card into the electronic card reader and doing something further that the electronic card reader requests without entering your PIN code (e. g. when paying the toll, car parking lot charges, etc.);","or","    providing your Revolut Card number and other details and consenting to the initiation of payment orders for debiting your account when entering into an agreement with a trader or service provider.","When you use your Revolut Card to make a withdrawal from an ATM or make a payment (for example, in a shop or restaurant), we will consider the payment to be authorised by you unless:","    you let us know that the money has been stolen from your account; or","    you don't think we've carried out your instructions correctly.","Sometimes we might charge you a fee for making withdrawals.","You can read about these fees on our Fees page.","We are not responsible for losses where payments are returned in a different currency","Sometimes, money you've asked us to transfer to someone is not paid into their account and is returned to us.","If we had to carry out a currency exchange when we sent the payment, and can show that we did everything right, when we return the money to you we'll convert it back to the original currency.","This means that the amount you receive back into your account might be less than the payment you made (or it could be more!).","We would not be responsible for any losses that this causes you.","Take care entering the details of the person you want to pay","When you enter the details of the person you want to pay, make sure the details are correct.","If they’re not, your payment might be delayed or you might lose your money if it's sent to the wrong account.","Make sure you know the person you are making a payment to.","If someone approaches you and asks you to make a payment to them, but you are not sure who they are or what the payment is for, you may be a victim of a scam.","If the person you want to pay does not receive the money, we won't be responsible if we processed the payment correctly but you gave us the wrong details.","If you ask us to, we'll be happy to try to get your money back, but this might be easier in some countries than in others.","If you contact our customer support team through the Revolut app we can give you information to help you try to recover the money, including details of the person who did receive the money (if we have those details).","The EEA is made up of all the countries in the European Union, plus Norway, Iceland and Liechtenstein.","A ‘business day’ means a day that the banks are open in both the Republic of Lithuania and the UK.","SEPA direct debits","Depending on where you live, you may be able to pay direct debits, in euros, from your account to bank accounts held in the Single European Payments Area (which is all the countries in the EEA plus Switzerland, Monaco and San Marino).","These payments are called SEPA direct debits.","The bank holding the account the direct debit is to be paid to (the payee’s bank) is responsible for asking us for the payment when it is due.","You can:","    limit the amount of a SEPA direct debit or how often it is paid from your account (or both);","    cancel SEPA direct debits paid from your account; and","    choose to only allow SEPA direct debits to be paid to certain people.","You can do this by contacting us through the Revolut app.","If you have set up a SEPA direct debit, the payee’s bank will ask for it on the business day before it is due and we will pay it to the bank on the due date.","If the due date is a non-working day for the payee’s bank (this is normally a weekend or bank holiday), it will reach the bank on the next working day.","Please read our FAQ on SEPA direct debits.","15.","What happens if a payment was sent to the wrong account, wasn’t sent at all or was delayed?","We'll always try to process your payments correctly and on time, but sometimes things go wrong and a payment might be delayed or not received by the person you wanted to pay.","If something has gone wrong and:","    the person paying you;","    the bank account you wanted to make the payment into; or","    the retailer you were paying;","is in the EEA, let us know through the Revolut app.","You need to let us know as soon as possible, and no later than 13 months after the amount was taken from your account.","If the money is not received into the account you sent it to, we'll refund the payment back into your account.","If you've had to pay any charges or interest as a result of our mistake, we'll refund those too.","If we received a payment on your behalf, but the money was not paid into your account on time, we'll immediately credit your account with the amount of the payment.","These rules don't apply to currency exchanges.","16.","Send and receive money using a payment link","You can send money to a friend who doesn't have a Revolut account by setting up a ‘payment link’.","You can do this by going into the Revolut app, entering the amount you want to send, clicking on ‘create payment link’, and sending the link to your friend.","You can also create a payment link to receive payments and send that link to your friend.","Once you've sent the link to your friend, they can complete the payment link by entering the details that are needed for them to send money to your account or receive money from it.","    If you are receiving less than £250 (or the equivalent in a different currency), your friend will need to enter their debit or credit card details into the link within 24 hours.","The payment will then be made from their card.","    If you are sending less than £250 (or the equivalent in a different currency), your friend will need to enter their bank account details into the link within 24 hours.","The payment will then be made to their bank account.","    If you are sending or receiving more than £250 (or the equivalent in a different currency), your friend will be asked to join Revolut in order to complete the transaction.","Sometimes, even if the payment amount is less than £250 (or the equivalent in a different currency), your friend who receives the payment link may need to open a Revolut account before they can receive a payment.","If they don't open a Revolut account on time, we won't be able to make the payment to them or from them.","17.","What exchange rate do you use?","If you, via the Revolut app, tell us to make a currency exchange, or we need to convert the currency of a payment into or out of your account or a cash withdrawal made using your Revolut Card, we'll use an exchange rate based on our market rate, which is based on foreign-exchange markets.","We add a percentage mark-up if:","    the currency isn’t always easily available (for example, Thai baht); or","    you tell us to make a conversion outside foreign-exchange-market hours.","A conversion will be outside foreign-exchange-market hours if it’s between midnight on a Saturday (UK time) and midnight on a Monday (UK time) (or in Vilnius time, between 2am Saturday and 2am Monday).","You can see our current exchange rates in the Revolut app.","Once we've converted the currency, your transaction history in the app will show the exchange rate we used.","We use the rate that applies at the time we carry out the conversion.","You can find more details of our mark-up in our Fees page","We’re not responsible if: you lose any money as a result of converting currency; or you’re charged any fees or lose any money because you're using your Revolut Card in another country and you ask the retailer (or the retailer's bank) to make the conversion. (","For example, imagine you're a Lithuanian customer travelling in Japan.","When you pay your bill at a restaurant you agree to pay in Euro rather than yen.","This means you've asked for the retailer's bank to convert the currency.","We can't be responsible if that bank gives you a worse exchange rate or charges you fees).","18.","Can I cancel a payment or currency exchange?","You can cancel a payment (including a recurring payment or a SEPA direct debit) at any time up to the end of the business day before the payment is due to be paid from your account.","You can't cancel a payment on the same day it's due to be paid from your account.","This means that you cannot cancel transfers between Revolut accounts.","You also can't cancel a currency exchange once we've received your request to carry it out.","It’s easy to cancel a bank transfer","You can cancel a bank transfer through the Revolut app.","19.","How long does it take to make a payment?","We understand that when you make a payment, one of the most important things is that the person the payment is for receives it on time.","When their bank will receive the money depends on what time you tell us to make the payment, and the currency you want us to make it in.","The table below explains when we'll make payments.","Please note all times in these terms and conditions are based on UK time, that is, Greenwich Mean Time (GMT) from October to March, and British Summer Time (BST) from March to October.","Type of payment you want to make \tIf you provide your payment instruction at this time… \t…we'll receive your payment instruction at this time","Instant transfer to a Revolut account \tAny time \tImmediately","Payment to someone else's bank account \tBefore 1pm (or 3pm Vilnius time) on a business day \tImmediately","\tAfter 1pm (or 3pm Vilnius time) on a business day \tThe next business day","\tOn a day that is not a business day \tThe next business day","Payment link transfer to a bank account \tAny time \tWhen the person you want to pay enters their bank details (as long as this is within 24 hours of you sending them the payment link)","Payment to a bank account at a future date (such as a recurring payment) \tAny time \tThe same business day (if the payment is due to come out of your account on a business day) or the next business day (if the payment is due to come out of your account on a non-business day)","The table below sets out when we'll make payments in different currencies.","Currency of the payment \tOnce we’ve taken the payment from your account, the day it will reach the account of the person you are paying","€ or £ \tThe same business day","Any currency other than € or £, to a bank account in the EEA (not the UK) \tUp to four working days later","Any currency other than € or £ to a bank account outside the EEA \tAs soon as we can get the payment there.","How long it takes would depend on where the bank of the person you want to pay is.","Please contact us through the Revolut app and we’ll do what we can to help you.","If you tell us to make a currency exchange you will receive the converted e-money immediately.","20.","When we will refuse or delay a payment","We must refuse to make a payment, or delay a payment, in the following circumstances:","    if legal or regulatory requirements prevent us from making the payment or mean that we need to carry out further checks;","    if you have broken these terms and conditions in a way that we reasonably believe justifies us refusing or delaying your payment;","    if we believe that processing your instruction would break these terms and conditions or that your instruction doesn't contain all the information we need to make the payment properly;","    if the amount is over, or would take you over, any limit that applies to your account.","We've set out the limits in our FAQs;","    if there is not enough money available in your account to make the payment and cover any charge;","    if a bankruptcy order is made against you or you've entered into an individual voluntary arrangement with your creditors;","    if, even after doing everything reasonably possible, we won't be able to make the payment on time;","    if a third party prevents us from making the payment (for example, if Mastercard or Visa do not allow a payment or cash withdrawal using your Revolut Card);","    if you owe us money or we intend to exercise our right of set-off (as explained below);","    if we have asked you for important information we reasonably need and you have not given us that information; or","    if we have suspended your account.","We may also refuse to issue a new Revolut Card if you do not have enough money in your account to pay us to issue or deliver the card.","When we refuse to make a payment, we’ll always (unless it would be unlawful or technically impossible for us to do so) try to let you know of that refusal, the reasons for that refusal (if possible), and the procedure for rectifying any factual errors that lead to that refusal.","Such notification shall be given to you as soon as practicable following the refusal.","If we can, we’ll use the Revolut app to tell you that we have refused to make a payment.","If you'd like to find out why we refused the payment, and what you can do to solve any problem, please contact us through the app.","We won't be responsible for any losses you suffer as a result of us refusing or delaying a payment.","21.","Third-party fees for making or receiving payments","We don't charge any fees for receiving payments.","We don’t charge any fees for sending local payments in your base currency either.","If you make a payment in another currency or to another country, we may charge a cross-border or SWIFT payment fee.","These fees are set out in our Fees Page.","We will always tell you about them, and tell you how much they cost, in the Revolut app before you make a payment.","Other banks involved, such as the bank of the person you are paying or certain correspondent or intermediary banks (banks that help transfer the money between other banks) might sometimes take their fees from the payment you're sending or receiving.","This could mean that you or the person you are paying receives less than expected.","For example, you could only receive €90 from someone who has sent you €100 because the other person’s bank has charged a €10 fee.","This might happen if:","    the bank of the person you are sending a payment to or receiving a payment from is within the EEA, and the payment is in a currency that is not the currency of an EEA member state; or","    you make a payment to or receive a payment from someone whose bank is outside the EEA.","To be clear, we won’t charge you any fees ourselves for making or receiving payments.","We will always give you the full amount we receive from another bank.","Likewise, we will always send the full amount that you ask us to send, but we can’t guarantee that the full amount will be paid into the other person’s account without a fee being taken by another bank.","What happens if something goes wrong","22.","What happens if someone steals from my account?","Let us know as soon as possible through the Revolut app (and no later than within 13 months from the date the money was taken from your account).","We'll pay the money back into your account if any of the following apply:","    you couldn't have known that your security details or Revolut Card were at risk of being misused;","    the payment happened because someone we're responsible for made a mistake;","    the payment was taken after you told us that someone knew your security details or your Revolut Card was lost or stolen, or we didn't give you a way to tell us about this;","    the law required us to make you follow certain prompts when you instructed us to make the payment and we didn't do this; or","    you made a payment to pay for certain goods or services you bought online or through some other method that is not face-to-face (there are some types of contracts this might not apply to, such as contracts for rental accommodation, but we can give you more information about this when you let us know about the problem).","We'll also pay back any charges you had to pay as a result of the payment being taken from your account.","We won't refund any money if you've acted fraudulently, or you intentionally or carelessly failed to keep your security details or Revolut Card safe (unless you told us about this before the payment was taken from your account).","For example, we wouldn’t make a refund if you gave someone your Revolut Card PIN and they made a payment using your card without you knowing about it.","23.","When we might block your account or Revolut Card","The safety of your money is important to us.","We might prevent you from making payments from your account or with your Revolut Card if we're reasonably concerned about its security or that it might be used fraudulently or without your permission.","We might also have to block your account or Revolut Card to meet our legal obligations.","We'll tell you through the Revolut app before, or as soon as possible after, we block your Revolut app or Card.","We'll also let you know why we've done it (unless it would reduce your or our security or it would be unlawful).","We will unblock your account as soon as the reasons for the blocking your account no longer exist.","24.","When could you suspend or close my account?","We may close or suspend your account immediately, and end your access to our website, in exceptional circumstances.","Exceptional circumstances include the following:","    if we have good reason to suspect that you are behaving fraudulently;","    if you haven't given us (or someone acting on our behalf) any information we need, or we have good reason to believe that information you have provided is incorrect or not true;","    if you've broken these terms and conditions in a serious or persistent way and you haven't put the matter right within a reasonable time of us asking you to;","    if we have good reason to believe that your use of the Revolut app is harmful to us or our software, systems or hardware;","    if we have good reason to believe that you continuing to use your account could damage our reputation or goodwill;","    if we have asked you to repay money you owe us and you have not done so within a reasonable period of time;","    if you've been declared bankrupt; or","    if we have to do so under any law, regulation, court order or ombudsman’s instructions.","We may also decide to close or suspend your account for other reasons.","We would contact you through the Revolut app at least sixty (60) days before we do this.","Closing your account and ending the agreement may also end any other agreements you have with us or through us.","You can get more information through the Revolut app or by contacting us.","25.","We can change these terms",">We'll only change these terms and conditions for the following reasons: if we think it will make them easier to understand or more helpful to you; to reflect the way our business is run, particularly if the change is needed because of a change in the way any financial system or technology is provided; to reflect legal or regulatory requirements that apply to us; to reflect changes in the cost of running our business; or because we are changing or introducing new services or products that affect our existing services or products covered by these terms and conditions.","Telling you about changes","If we add a new product or service that doesn't change the terms and conditions of your account, we may add the product or service immediately and let you know before you use it.","Otherwise, we'll give you sixty (60) days' notice through the Revolut app before we make any change.","We'll assume you're happy with the change unless you tell us that you want to close your account before the change comes into effect.","26.","Your refund rights for Revolut Card payments and SEPA direct debits","Revolut Card payments","You can ask us to refund an amount taken from your account if all of the following apply:","    you agreed that a payment could be taken, but didn't agree the actual amount of the payment;","    the amount taken is more than you reasonably expected in all the circumstances (including your spending pattern);","    the person you paid is in the EEA;","    you didn't authorise the payment directly with us;","    we and the person you paid did not give you any information about the payment during the four weeks before it was taken; and","    you ask us for the refund within eight weeks of the payment being taken from your account.","For example, you could get a refund if you gave a hotel permission to charge your Revolut Card for anything you take from the minibar, but the hotel has charged you more money than you could reasonably have expected at the time you gave them permission to do this.","We may ask you for more information to investigate the matter.","We'll provide a refund, or tell you why we couldn't provide one, within 10 business days from the date you give us the information we ask for.","SEPA direct debits","If you have made a SEPA direct debit, the circumstances shown above do not need to apply.","You will be entitled to an unconditional refund if you contact us within eight weeks of the date the payment was taken out of your account.","Reversing refunds","If we give you a refund and then find that you weren't entitled to it, you will have to pay us back.","27.","Are you responsible if something goes wrong with my account, my Revolut Card or the Revolut app?","We'll do as much as reasonably possible to make sure that our services are not interrupted and are accessible at a reasonable speed.","However, we can't promise that this will always be the case or that the services will be free from faults.","We also rely on some third parties to provide services to you, which can sometimes disrupt our services.","We’ll always do our best to solve any problems with our services, no matter what the cause.","If you have a Revolut Card, we will let you know about any changes to our system that will affect your ability to use the card.","We will not be responsible for losses resulting from us failing to meet our obligations for payments into and out of your account because: of a legal or regulatory requirement; unforeseeable events outside our control, which were unavoidable at the time; of criminal or any other illegal actions of third parties resulting in damage to you or any other person; or of the blocking of your account when implementing legal requirements, including those in relation to anti-money laundering and counter-terrorist financing.","If you can't use your Revolut Card for any reason we will only be responsible to you for replacing the card.","We will only be responsible for foreseeable losses","If we break the agreement, we will only be responsible for any loss that we could have foreseen at the time we entered into the agreement.","We won't be responsible to you for any of the following, whether direct or indirect, that arises in connection with these terms and conditions:","    loss of income or profit;","    loss of goodwill or damage to your reputation;","    loss of business contracts or opportunities;","    loss of anticipated savings; or","    consequential loss.","Nothing in these terms and conditions removes or limits our liability for death or personal injury resulting from our negligence or from fraud or fraudulent claims and statements.","28.","How you might owe us money","You cannot borrow money on your account (for example, make payments of more than the value of the money in it), although you may be able to benefit from one of our credit products.","If your balance becomes negative (for example, because you do not have enough e-money to cover fees you owe us), you must within 7 (seven) days upon our request to top up your account with the required amount to correct the negative balance.","If you owe us money, we can take the amount you owe us from any amount we are due to pay to you.","We call this our right of set-off.","Paying fees or other amounts you owe us (other than third-party fees for making or receiving payments)","The fees you may have to pay us are listed in our Fees page.","If you owe us fees (other than third-party fees for making or receiving a payment) or any other amount, we'll take the amount you owe us from your account, in the currency of the country you live in (your base currency).","If not enough money in your account is held in your base currency, we'll take the equivalent value from money you hold in another currency.","If you don't have enough money in your account to pay the fees or other amounts you owe us, we might recover the amount in another way, as explained below.","You may be responsible for paying taxes or costs that apply to payments you make or receive through your account and that we are not responsible for collecting from you.","Sometimes, for example if you're a legal resident of the Republic of Ireland or you withdraw money through an ATM in the Republic of Ireland, we may collect the appropriate amount of stamp duty up to the legal maximum as required by the Irish Revenue Commissioners.","So please make sure you check for yourself!","If you owe us money and you don't top up your account or repay us within seven days, we can recover the amount by:","    taking the amount you owe us from your stored card;","    exercising our right of set-off; or","    taking other legal steps to recover the money you owe us, such as instructing lawyers or debt collectors.","If we take any (or all) of these steps, we might charge you our reasonable costs.","29.","When you might be responsible for our losses","You may be responsible to us for certain losses","If you have broken these terms and conditions, and this has caused us to suffer a loss, the following will apply:","    you will be responsible for any losses we suffer as a result of your action (we will try to keep the losses to a minimum);","    if your actions result in us losing profits, you may also be responsible for those losses.","You won't be responsible if this would mean that we are compensated twice for the same loss; and","    you will also be responsible for any reasonable legal costs that arise as a result of our losses.","30.","How to make a complaint","If you’re unhappy with our service, we’ll try to put things right","We always do our best, but we realise that things sometimes go wrong.","If you have a complaint, please contact us.","We will accept and consider any complaint sent by you to us.","Our final response to your complaint, or a letter explaining why the final response has not been completed, will be provided to you within 15 business days after your complaint having is made, and in exceptional circumstances, within 35 business days (and we will let you know if this is the case).","Out of court dispute resolution authority for complaints related to financial services","If you are unhappy with how we have dealt with your complaint, you can refer it to the Bank of Lithuania within 1 (one) year of the date you sent us your complaint.","In this case the Bank of Lithuania would act as out of court dispute resolution authority dealing with disputes between consumers and financial service providers.","Their address is: Gedimino ave.","6, 01103 Vilnius, the Republic of Lithuania.","You can find more information on their website.","Please note that should you wish to have a possibility to apply to the Bank of Lithuania as to the out of court dispute resolution authority, then you shall make your complaint to us within 3 (three) months from the day that you found out or should have found out about the alleged violation of your rights or legitimate interests arising from agreement with us.","Examination of the complaint at the Bank of Lithuania is free of charge.","The out of court dispute resolution authority for consumer disputes not related to Bank of Lithuania competences is the State Consumer Rights Protection Authority.","Their address is: Vilniaus str.","25, 01402, Vilnius, the Republic of Lithuania.","You can find more information on their website.","You can also rely on the mandatory consumer protection rules of the EEA country where you live.","Out of court dispute resolution authority for complaints related to processing of personal data","You have the right to make a complaint to the State Data Protection Inspectorate (SDPI), the Lithuanian supervisory authority for data protection issues.","Their address is: L. Sapiegos str.","17, 10312, Vilnius, the Republic of Lithuania; e-mail: ada@ada.lt.","You can find more information on their website.","More information","Click here for more information about our complaints handling procedure.","How to make a complaint","If you'd just like to speak to someone about an issue that's concerning you, please contact us through the Revolut app.","We can usually settle matters quickly through the app.","You’ll probably need to give us the information below.","If you prefer you can make your complaint using this form.","Or you can email us at formalcomplaints@revolut.com.","You’ll need to tell us:","    your name and surname;","    the phone number and email address associated with your account;","    what the issue is;","    when the problem arose; and","    how you'd like us to put the matter right.","We'll look into your complaint and respond to you by email.","We will communicate with you in English or Lithuanian, unless we tell you otherwise.","Irrespective of the above, you always have the right to approach the out of court dispute resolution authorities mentioned above in relation to any complaint about our service.","You also have the right to apply to any competent court if you think we have breached the law.","Legal bits and pieces","31.","Permission for us to process your personal information","To provide services under the agreement we need to collect information about you.","Under data protection law, we are what is known as the ‘data controller’ of your personal information.","For more information about how we use your personal information, see our Privacy Policy.","By entering into the agreement you are giving us permission to gather and store your personal information for the purpose of providing our services to you.","This doesn’t affect any rights and obligations you or we have under data protection law.","You can withdraw your permission by closing your account, which will end the agreement between you and us.","If you do this, we’ll stop using your information for the purpose of providing our services, but we may need to keep your information for other legal reasons.","Confidentiality","By entering into this agreement you give us permission to disclose to other entities within the Revolut group (including Revolut Bank UAB and Revolut Ltd), the following information:","    the fact that you are our client;","    the services we provide to you;","    the account number;","    your account balance(s);","    operations performed or being performed on your behalf;","    your debt obligations to us;","    circumstances of providing the financial services to you;","    your financial situation and assets;","    other commercial information you have provided to us when opening the account; and","    your activities, plans, debt obligations or transactions with other persons.","All of the above we call a “client secret”, which we have to protect as required by the applicable regulations.","By entering into the agreement you understand and confirm that in case you haven‘t changed your preferences in Revolut app, other Revolut users having you in their contact list will be aware of the fact that you are our client.","You can change your preferences at any time.","32.","Our intellectual property","All the intellectual property in our products (for example, the content in our app and on our website, our logo and card designs) are owned by our parent company, Revolut Ltd (a company incorporated in England and Wales with company number 08804411, whose registered office is at 7 Westferry Circus, Canary Wharf, London, E14 4HD, United Kingdom) and being used by us and other Revolut Group companies.","You must not use this intellectual property as your own, except to enjoy our products.","You also must not reverse-engineer any of our products (that is, reproduce them after a detailed examination of their construction or composition).","33.","Some legal bits and pieces","Our contract with you","Only you and we have any rights under the agreement.","The agreement is personal to you and you cannot transfer any rights or obligations under it to anyone else.","Our right to transfer and assign","You permit us to transfer or assign all of our rights and obligations under these terms and conditions to any third party.","We will only transfer any of your and our rights or obligations under the agreement if we reasonably think that this won't have a significant negative effect on your rights under these terms and conditions or we need to do so to keep to any legal or regulatory requirement.","When we transfer rights and obligations we call this ‘novation’.","When we only transfer rights, we call this ‘assignment’.","Lithuanian law applies","The laws of the Republic of Lithuania apply to these terms and conditions and the agreement.","Despite this, you can still rely on the mandatory consumer protection rules of the EEA country where you live.","The English version of the agreement applies","If these terms and conditions are translated into another language, the translation is for reference only and the English version will apply.","By entering into this agreement and accepting Revolut services, you confirm that you understand English language and agree to communicate with Revolut in English language as far as the legal relations arising under this agreement are concerned including with respect to submitting and resolving any complaints.","Our right to enforce the agreement","If you have broken the agreement between you and us and we don't enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing those or any other rights at a later date.","Taking legal action against us","Legal action under these terms and conditions can only be brought in the courts of the Republic of Lithuania (or in the courts of any EU Member State where you have a statutory right to bring legal action under these terms and 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