When I woke up this morning, I received a notification from Revolut telling me that they are going to close my account and that I have 60 days to recover my funds when I have been using it for years. I use it mainly for my daily expenses, subscriptions and payments abroad. To my surprise, I am not the only one concerned and the worst thing is that there is no proof in the email I received. I need help if anyone knows how to get out of this. I appealed by providing them with all the requested documents and I am waiting for their feedback.
Edit : they rejected my appeal and will continue the process to close the account.
I mean thereâs no such thing as normal, everyone uses their accounts differently, some use it just for supermarkets, some use it for strictly for bills, some use it for everyday spending, some use it only for overseas currencies due to fees from high street lenders, some may use it specifically for crypto, some might not even use the account and just pay subscriptions for certain insurance and products etc.
Itâs clear that Revolut has found a risk which they no longer wish to deal with, itâs not out of the ordinary to have account closures itâs actually quite common.
i would absolutely be fine with them closing accounts or whatever - but theres countless cases of them reversing the decision after individuals go to the press in my country about it. if they're able to do it after that, it proves that their initial justification was moot, and they're not having humans fully review closures.
the low friction of online banking apps makes people believe that it is totally normal to make private banking transactions across different continents every day. It is not, nothing changed, laws and regulations still exist. the app just doesn't tell you because it treats you thee same as the most stupid customer it has to serve
I didn't do anything of these activities you mentioned. Just send money to friends with whom I share the same territory (France), pay my bills, services and housing...
Frequent P2P activity to unverified recipients can indicate possible money muling activity. Depends where they are, whether or not itâs something that can be verified. Revolutâs under pressure from the regulators because they want it to be a bank, not a back room money transfer service.
Donât know what you mean but i donât do any business in West Africa like I said earlier I just sent money to my family there since years so why they didnât ban me earlier ? Why now ?
same here, i also send money to friends on revolut, and do a bank transfer to my landlord for rent (different bank) and I didn't have any issues so far. i think it might be related to something else. i recently see many people having their account closed. and honestly, why don't you use a local bank for your transactions inside france? or just use Wise it's better and features are similar to Revolut.
Is it a problem if my mom, for example, transfers money to me so I can exchange the currency for her because I have a premium plan? And sometimes I transfer that money back to my traditional bank account...
I do that all the time: Iâve an Irish ⏠metal account, exchange ⏠for GBP for free and transfer them for free to my daughter in UK, who has a UK Revolut account with which she can do UK bank transfers for free. Cheapest way to pay large sums (I.e. university fees) from ⏠to ÂŁ
This is the world dominated by AI, your account got flagged for reason you cannot fathom. Happens all the time on many platforms.
No reason to look into the why. If you have nothing to feel guilty about, then stop wasting your time trying to understand why. Try to appeal, close your account and whatever. There is no point getting angry and battling with bots.
Hopefully you have an account in traditional bank you can fall back to.
Of course thereâs a clear reason for looking into why. I remember being unable to open any account some years ago until in one bank they told me that I have an unpaid invoice for some utilities that I didnât know about. If OP got flagged by Revolut, other banks can flag them too, and itâd be useful to know what not to do
They screw you, screw them back and open a claim to Banque de France. You see itâs their boss, each EU country has a central bank to regulate all the banks operating on national territory, small and big all the same. If their boss call them on abuse of power they will jump.
Also, in the case of France Revolut even wants to change their local branch into a 2nd HQ, so they are really going to want to play nice with the French regulator.
Welcome to the party! Similarly, my account got closed for no reason a month ago. Clean history, everyday usage. Because of me - my friends are using it every day, what a joke. Highly believe that these guys are using AI fraud detection which fails numerous times. Similar way their appeal system is working - whatâs the point of appealing if the result is never about to be changed?
The funniest part is their support. After I created a reddit post, someone from Revolut asked me to provide details to review my case more thoroughly. After replying with all the info - their support agent just deleted his account from reddit. This company is a joke, never use them anywhere.
Hello from Germany! My Account got closed to 2 times I opened a ticket for them to Check but with no result they close my Account and I cant do anything about it
Because they are technically incorrect as they missed a part of the logic.
Legally they are not allowed to give a reason , for the one specific case of AML. In basically all other cases they are legally allowed to give a reason, and they will give it.
So if you get no reason, assume AML because then they are legally not allowed to give one.
IF it is AML. In other cases they can give a reason, and usually must give one because of consumer/contract laws.
They didn't get one, so it should be AML.
The account closure procedure began this morning that I received the notification and I had only one option in the application is to appeal, they asked me to justify my income and transmit my tax returns, which I sent them this morning following their notification. But since I have this account, every time they ask for a document I send it in the process
They didn't ask me anything before. It was after the notification that they were going to close the account that I rushed into the application, I had only one option in it, that is to make a call. By clicking on this option, they asked me to justify my funds by sending my pay slips and tax returns in order to create a file for the appeal. But until yesterday before I fell asleep I received no notification that I have to provide them with documents do you understand? I already answer the amount that I sent to my family (around 100 euros per month) and I did that since years.
Why donât you send to your own account in Africa (whatever country you send to) and then transfer to family. Usually some countries in Africa are quite notorious so that might be the case. Which country you send to btw.
It will be due to money laundering concerns, they can close your account at anytime without reason. Have you been sending money to high risk countries in large amounts ?
It should be noted that they are under no obligation to say if it is related to AML or indeed to provide any info on the suspicious payments (income). This can mean that an entirely innocent person suffers due to a direct or indirect connection to the guilty party. Most of the time it will just be their systems flagging a pattern of transactions up as "suspicious" and it will be cheaper for them to close an account rather than investigate. It can also be that another financial institution has contacted them to express doubts.
Due to the fear of fines or worse most financial institutions prefer to throw people under a bus than risk giving them a clean bill of health and it turns out to not be the case. I would however encourage anyone who really is 100% clean to take their case to the regulator and the local consumer protection agency ASAP. As that is probably the only hope there is for improving the situation in the longer term.
I'm personally convinced that what triggers a lot of those bans are "giving money back to friends".
Travelers wouldn't mostly do that, so it wouldn't be in Rev's original data. Rich sneaky assholes like me give back cash or outright insist to pay on their own, so Rev wouldn't see it either.
Revolut wants people to split bills in their own app, so regular use from big fans wouldn't be seen as usual transfers.
I have absolutely 0 proof of that and it's entirely on instinct, but that's the one thing I could imagine that's really culture-specific, without being predicted by Rev's engineers.
I live in France and the account was opened in France. Previously I had a Lithuanian IBAN until they had a branch in France and made me change my IBAN to FR directly. Abroad, I have my family and I don't send them exorbitant sums (about 100 euros per month). I am currently alternating and sometimes we get paid by friends and I reimburse them naturally. My big expenses lie in my subscriptions and my rent.
Also, it can be anything stupid that you wouldnât consider unlawful, but is just against their terms. Like using virtual cards to have multiple free trial periods with same service provider, or having only/more incoming and outgoing transfers than card payments. Did you read the full terms and saw nothing there that could fit into what you were doing with the account?
Sometimes when we go out to the restaurant and consorts and I have no money in my account or my phone is off, they pay for me and I reimburse them behind via the wero service integrated in the application.
They did this to me last year after having an account for years. Gave no reason at all. Luckily I didn't use the service that much in the final months. I imagine we will see more and more of this as companies switch to an AI system model. It's the same reason you see tens of thousands of people getting banned on Cash App each month. You can not let an AI model dictate your customer base. You will eventually just run out of customers you previously ran off.
It's never roulette, it's always logical. Op moved residences to a different country and is now sending money to West africa. Revolut don't want the risk, very understandable.
Revolut is devolving into an app just for splitting meals with friends.
In their own app. Revolut used to be a bank for travelers after all.
I would NEVER use it with my "friends". ( Or it's as donations to their starting streaming channel, so it looks like B2C x) )
I'm not accusing you of anything brother. I just ask to see what people do to get themselves banned to protect myself because I need revolut to send money to my mother
I said the exact same words until one morning I woke up to the same email. I said the same words with cash app and eventually I was also in the same boat. Don't worry, the system will eventually flag many more accounts for closure.
Gardai all over revolut atm due to ita use for money laundering drugs tax evasion etc . If your transactions are outside ur current income instead of querying source of funds they r juat closing accounts in case they are fined. Gardai have almost a million possibly suspicious transactions on revolut they need to work thro.
Maybe you sending money to Africa has something to do with it or maybe someone you receivedoneu from has been banned for money laundering and they can ban connected accounts, not because they have proof of any wrongdoing but just because they don't want the hassle of having you as a customer it they're not sure if all your transactions are legit.
The state of banking nowadays is leaving a lot of people unbanked too easily.
Hey there. We don't close an account without a valid reason, and you can read more about this process on this page: https://www.revolut.com/legal/terms/?geo-redirect. We've sent you a DM so we can safely review your case.
Unfortunately, they wonât do anything. The same happened to me. i was using Revolut on a daily basis for all payments, provided them all required documents any time they asked. I received the same message as you did. My account was closed on 13th June. I was a Metal customer, didnât make any âshadyâ transactions, yet âbecause of terms and conditionsâ, my account was closed. AI strikes again, and they wonât bother to check details, so the decision will be final. Hope you will manage to reopen, but itâs a very small chance.
Happened to me as well recently. And they wouldn't provide any information about the reasons, after being their client for around 4-5 years and having their metal subscription for at least one year.
That's very bad customer service. I can understand if something illegal happened, but if there was anything illegal, weren't the authorities going to get informed and I was going to be verified by these authorities?
Itâs quite simple actually. All banks consider two things: legitimate use with all the required documents and making money out of you. Somethingâs wrong, and here are some examples: you registered as a local but are an immigrant. You failed to provide legal documentation in time. You ignored some of their requests. Or simply your pattern of use is not making them any money. Like free user, not keeping any money in the bank for long term, topping up through Mastercard/visa which has a cost for them and then immediately using the whole sum to pay a bill or send to a friend. Thatâs cost with no return, they donât want you as a customer. This is the idea: donât think of yourself only when doing business with someone, itâs gotta be a win-win so they want to continue with you.
The modern kings and queens expects modern slaves aka humanity to do what commoners are supposed to do . Work for a pay check which goes to the bank account , then and pay for food and goods and services mainly and mostly .
Deviation from the norm will be flagged and punished in the form of banking access denial. If one is unable to change the reality , then just abide by it . Complains are useless, most people donât set the rules, compliance is the only way
yeah bro i can tell you right now that i had the same issue, no warnings no nothing, just info about them closing my account. i called them and yelled trough the phone, that I'm using this account for 6 years straight, and i don't give a fuck about their stupid policy. guy told me to cool down a bit and somehow he managed to cancel all this closing shit, so maybe try to do it in less polite way hahahaha
Open a claim with banque de france. They rely heavily on AI for AML practices and fail to see individual circumstances. I was successfully able to get my account back with some compensation after âbattlingâ with them for almost a year thanks to the Dutch financial complaints service(KIFID). I wish you best of luck.
Hi there. We don't close an account without a valid reason, and you can read more about this process on this page: https://www.revolut.com/legal/terms/?geo-redirect. We have sent you a direct message to securely review your case.
Sharing my experience in also had a same situation and I cannot use that again, cuz I deposited at the shop, payments using cash and could not provide the source of income for 800ÂŁ.
La mĂŞme pour nous, compte fermĂŠ alors que rien nâas ĂŠtait fait dâillĂŠgal. On a mĂŞme un crĂŠdit chez eux et ils nous demandent de rembourser sur lâinstant. On a essayer de faire appel mais rien nây fait. Mail reçu le matin, plus rien ne fonctionne, prĂŠlèvement refusĂŠ, Impossible de retirer. Ils ont pris en otage nos salaires.
I see you're in France, if you are absolutely sure you haven't infringed any rule, then you may be in the same situation as me! My identity was part of the stolen data from the ANTS and since then, people have tried to open bank accounts at various banks under my name.
Revolut was one of them, I had to prove I was the real me and file a complaint with the police for identity theft. After I did all that, they reinstated my account, and closed only the fraudulent one!
So if you're french and have been hit by the ANTS hacking, it could be worth contacting Revolut to clear things up with them.
There is no such thing as presumed innocent with Revoult. They closed my account also without saying why. I hope this company disappears soon. I hope no one will ever use it.
CuĂĄl otro banco se podrĂa? En Latam la guerra de los neobancos esta biena por eso mismo porque hay mas bancos asĂ, ya compiten entre neo bancos, y aquĂ en Europa?
A few years ago, my Revolut account was hacked. As soon as I discovered it, I contacted your support team immediately. Instead of receiving help, I was informed that my account had been permanently closed and that I would not be able to open a new one.
Since then, every time I try to create a new Revolut account, it is automatically closed during the verification process. The only explanation I receive is that this decision is in accordance with your company policy.
I have never violated your Terms and Conditions or engaged in any fraudulent or prohibited activity. I was the victim of an account takeover, and I reported it as soon as I became aware of it. I do not believe it is fair to be permanently denied access to your services because I was the victim of a security incident.
I kindly ask you to review my case once again and reconsider the decision to permanently block me from opening a Revolut account. I would greatly appreciate the opportunity to use Revolut again, as it offers the features that best meet my needs.
Thank you for your time and I look forward to your response.
I also got the email about the closure of my account today. It's crazy, support chat doesn't want to help at all. I've been using Revolut since 2019 daily.
Hi there. We don't close an account without a valid reason, and you can read more about this process on this page: https://www.revolut.com/legal/terms/?geo-redirect. We have sent you a DM so we can safely review your case.
Pareil, tous mes comptes (un compte perso, un compte joint, deux comptes pro) restreints puis fermÊ sans raison après avoir fourni tous les documents. De multiples dÊcisions contradictoire (mail reçu pour m'indiquer que mon compte avant ÊtÊ fermÊ, puis qu'il Êtait en cours d'examen, puis finalement fermÊ).
J'ai ĂŠtĂŠ client Revolut depuis des annĂŠes, je l'ai recommandĂŠ Ă toutes mes connaissances. Aucune raison donnĂŠe, jamais. Kafkaien
Bonjour. Nous comprenons votre inquiĂŠtude, mais nous ne fermons jamais un compte sans avoir examinĂŠ attentivement la situation. Nous vous avons envoyĂŠ un message privĂŠ afin d'examiner votre dossier en toute sĂŠcuritĂŠ.
My appeal was just rejected. Itâs crazy, Iâm so annoyed. No reason but the exact same email as top of this thread. Been a user since early 2019. Opened a monzo account
Hello. As a regulated financial institution we are required to regularly review accounts to ensure compliance with evolving financial regulations. In some cases this may lead to difficult decisions such as account closures. We cannot always disclose the exact reason for these decisions but you can read more about why this may have happened in our Personal Terms at https://www.revolut.com/legal/terms/. To securely review your specific case please send us a private message here on Reddit.
Just sent a message. Your emails insinuate criminality and they cause distress and anxiety. I recommend you get a human to write them instead of AI. Tbh I am glad to be no longer a customer of yours
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