Guides › Banking Scams and Fraud › Revolut Scam Refund: Getting Your Money Back
Revolut Scam Refund: Getting Your Money Back
Consumer Protection UK is independent and is not connected to Revolut. Revolut says it reimburses eligible UK bank transfer scams made on or after 7 October 2024 up to £85,000 per claim, with a £100 excess, if you report within 13 months of the last transaction. Valid claims should be paid within five business days, or up to 35 for complex claims. International payments and payments to accounts you control are excluded.
At a Glance
Guide Disclaimer
Free guide only. This is a regulated financial matter, so we give free information and letter templates here but do not take these on as cases. We cannot tell you whether you are eligible for a refund or compensation.
CPUK is not authorised or regulated by the Financial Conduct Authority and is not a claims management company.
Your Rights
What the rules say, with a link to the official source for each.
Revolut's Policy
Who Is Covered
Revolut says the protections cover consumers, charities and micro-enterprises with a UK payment account sending money to another UK account, for transactions on or after 7 October 2024. Contact Revolut straight away through in-app chat and cooperate with Revolut and the police. source
Limits and Timing
Revolut says it reimburses up to £85,000 per claim with a £100 excess per claim (a successful £1,000 claim pays £900). You must report within 13 months of the last transaction. Valid claims should be reimbursed within five business days if you supply the information requested, or up to 35 business days for complex claims. source
Exclusions
Revolut says first-party fraud, international payments, payments to accounts you control (including crypto exchange accounts), card, cash and cheque payments, civil disputes and non-fraudulent investments are excluded. source
The Reimbursement Rules
The Reimbursement Scheme
If you were tricked into making a UK Faster Payments or CHAPS bank transfer (an 'APP scam'), the scheme covers payments made on or after 7 October 2024. It covers individuals, very small businesses and charities. source
When You May Not Be Reimbursed
You may not be reimbursed if you were complicit in the fraud or grossly negligent, which the Payment Systems Regulator says is a high bar. The gross negligence exception does not apply to vulnerable customers. source
Complaining to the Ombudsman
If your bank refuses or you are unhappy with how it handled a scam, you can complain to the bank and then to the Financial Ombudsman Service, which is free. Its compensation limit is 430,000 pounds, and it can look at cases where losses are over 85,000 pounds. source
Time Limits to Know
Miss a deadline and you can lose a right. Check the dates on your own paperwork.
- 13 monthsReport an APP scam or unauthorised paymentWithin 13 months of the payment, but as soon as possible
- 5 business daysBank transfer scam reimbursementWithin 5 business days of your claim, up to 35 business days if the bank needs more information
- £85,000Maximum bank transfer scam reimbursement85,000 pounds, for payments from 7 October 2024
Steps to Take
Step 1 of 4
Contact Revolut through in-app chat straight away and report the scam to the police.
Step 2 of 4
Give Revolut the information it asks for, so the five-business-day clock can run.
Step 3 of 4
If Revolut refuses, ask why in writing and make a complaint. Our free letter templates can help.
Step 4 of 4
If you are unhappy with its final answer, go to the Financial Ombudsman Service, which is free.
(Tap the numbers to reveal steps)
Where to Go If It Is Not Put Right
Your options, in order, and when each one applies.
Your Bank's Complaints Team
Always start here, in writing, once your bank has refused or not replied.
Financial Ombudsman Service
You are unhappy with your bank's final response. It is free, and its limit is 430,000 pounds.
Report Fraud (Police)
Report any scam. Your bank may also ask you to report it.
Good to Know
Small things that make your complaint stronger.
Revolut's page is its own article from October 2024, when the scheme began; check the app for its current terms.
Want Help?
We do not take these complaints as cases, but our free letter templates can write your complaint for you, and the Financial Ombudsman Service is free.
Lead reviewer
Luke Marley
Founder and Lead Reviewer
Luke founded CPUK in 2026 after seeing how hard it is for ordinary people to get problems with companies put right. He oversees our guides and checks them against official sources.
Research by Katie Burt, Co-founder and Operations Lead (17 years in the care sector, including managing services for vulnerable adults), and the CPUK Research Team. Researched with AI-assisted research tools, then checked and corrected by our team.
Last checked: 13 October 2026. We are not paid by the companies we write about. Adverts never affect our guidance. Read our editorial policy.
Sources and official links
- revolut.com/blog/post/new-regulatory-protections-for-app-scam-reimbursement Checked 12 October 2026
- psr.org.uk/information-for-consumers/app-fraud-reimbursement-protections Checked 13 October 2026
- reportfraud.police.uk Checked 12 October 2026