How to Open a Revolut Personal Account Online in 2025

Revolut, established in 2015 in London by Nikolay Storonsky and Vlad Yatsenko, has rapidly become a leading neobank, boasting over 35 million customers worldwide. As a digital banking platform, Revolut offers a comprehensive suite of financial services tailored for the modern user, including seamless cross-border transactions, intuitive money management tools, and a variety of account options to suit individual needs.

Understanding Revolut’s Personal Account Offerings

Revolut provides a range of personal account types to cater to diverse financial requirements:

• Standard Account: A free account offering essential banking features, support for over 29 currencies, and fee-free ATM withdrawals up to £200 per month.
• Plus Account: Includes all Standard features with additional benefits such as personalized cards, higher savings interest rates, and everyday insurance, priced at £3.99 per month.
• Premium Account: Offers all Plus features plus extras like overseas medical insurance, higher fee-free ATM withdrawal limits up to £400 per month, and discounted lounge access, at £7.99 per month.
• Metal Account: Encompasses all Premium features with added perks like personal liability insurance, increased fee-free ATM withdrawals up to £800 per month, and a personalized metal card, for £12.99 per month.
• Ultra Account: The most exclusive offering, including all Metal features, unlimited lounge access, and the highest savings interest rates, at £45 per month.

Eligibility Criteria

To open a Revolut personal account, you must meet the following criteria:

• Age Requirement: Individuals aged 18 or above are eligible.
• Residency: Legal residents of supported countries, including the United Kingdom, the United States, Australia, Canada, Singapore, Switzerland, Japan, and countries within the European Economic Area (EEA).

Required Information for Account Opening

During the application process, ensure you have the following:

• Valid Mobile Phone Number: Necessary for account verification and security purposes.
• Valid Email Address: Used for communication and account-related notifications.
• Personal Information: Including full name, current address, date of birth, and citizenship(s).
• Government-Issued Identification: A valid ID such as a passport or driver’s license for identity verification.
• Selfie: A photograph of yourself to confirm identity and enhance account security.

Step-by-Step Guide to Opening a Revolut Personal Account

1. Download the Revolut App: Available on iOS and Android platforms.
2. Initiate the Sign-Up Process: Open the app and select the option to create a new account.
3. Provide Personal Details: Enter your full name, date of birth, current address, and citizenship(s).
4. Verify Contact Information: Submit your mobile phone number and email address; you’ll receive verification codes to confirm both.
5. Identity Verification: Upload a clear photo of your government-issued ID and take a selfie as prompted by the app.
6. Select Your Plan: Choose from the Standard, Plus, Premium, Metal, or Ultra plans based on your financial needs and preferences.
7. Set Up Security Features: Create a secure passcode and, if available, enable biometric authentication for added security.
8. Link a Funding Source: Connect a bank account or debit card to facilitate fund transfers into your Revolut account.
9. Order Your Physical Card: If desired, request a physical Revolut card for in-store purchases; virtual cards are also available for immediate online use.

Processing Time

The application process is designed to be swift, often completed within minutes. However, verification times can vary, ranging from immediate approval to up to seven days, depending on the accuracy of the information provided and the volume of applications.

Fees and Charges

While the Standard account has no monthly fees, other plans have associated costs:

• Plus Account: £3.99 per month.
• Premium Account: £7.99 per month.
• Metal Account: £12.99 per month.
• Ultra Account: £45 per month.

Be aware of potential fees for certain transactions, such as international transfers or currency exchanges, which are transparently displayed within the app before completion.

Customer Support

Revolut offers multiple support channels:

• In-App Chat: Accessible 24/7 for assistance with any account-related queries.
• Help Centre: Comprehensive online resources covering a wide range of topics.
• Phone Support: Available for Ultra account holders, offering direct access to customer service representatives.

Additional Considerations

• Joint Accounts: Available for individuals residing in the same country, both holding personal Revolut accounts, and meeting specific eligibility criteria.
• Revolut <18 Accounts: Designed for users aged 6-17, these accounts require a parent or legal guardian with a personal Revolut account to set up and manage.
• Revolut Pro Accounts: Tailored for freelancers and self-employed individuals, offering business-specific features upon verification.

Security Measures

Revolut employs robust security protocols to protect user information:

• Two-Factor Authentication: Enhances account security by requiring verification through multiple methods.
• Real-Time Transaction Notifications: Keeps you informed

What Documents Do I Need to Open a Revolut Personal Account?

Opening a Revolut personal account is a straightforward process, but ensuring you have the correct documentation is crucial. Let’s dive into the essentials to get you started.

Understanding Revolut Personal Accounts

Revolut offers a digital banking alternative, providing users with multi-currency accounts, seamless international transfers, and a user-friendly app interface. It’s designed for individuals seeking flexibility and control over their finances without the traditional banking hassles.

Eligibility Criteria for Opening a Revolut Account

Before gathering your documents, ensure you meet the basic eligibility requirements:

• Age: You must be at least 18 years old.
• Residency: Revolut is available in numerous countries, including the UK, EEA, and others. Verify that Revolut operates in your country of residence.

Required Documents for Identity Verification

To comply with financial regulations, Revolut requires specific documents to verify your identity. Depending on your country, acceptable documents include:

Passport

A valid passport is universally accepted. Ensure it’s not expired and the photo is clear.

Driver’s License

A government-issued driver’s license with your photo and personal details.

Provisional Driver’s License

In some regions, provisional licenses are accepted. Check Revolut’s guidelines for your country.

Residence Permit

For non-citizens residing in a country, a valid residence permit serves as proof of identity.

Visa Type D with an International Passport

For individuals on long-term visas, presenting a Type D visa alongside an international passport is acceptable.

Unsupported Documents

Certain documents aren’t accepted for verification:

• Visit, Tourist, or Schengen Visa
• Public Service Card
• Age Card
• Photo Card

Using these will delay your application, so stick to the supported documents.

Special Considerations for UK Residents

If you’re in the UK and wish to submit a digital biometric residence permit, contact Revolut support for guidance, as the standard upload process may not accommodate this document.

Application Process: Step-by-Step Guide

1. Download the App: Get the Revolut app from your device’s app store.
2. Sign Up: Enter your phone number and create a password.
3. Verify Identity: Upload a clear photo of your supported ID document.
4. Selfie Verification: Take a selfie within the app to match your ID.
5. Provide Personal Details: Enter your full name, address, and other required information.
6. Complete: Once verified, your account will be active.

Common Challenges and How to Overcome Them

• Blurry Photos: Ensure your document photos are clear and legible.
• Expired Documents: Only use valid, unexpired IDs.
• Mismatched Information: Ensure the details on your documents match the information you provide.

Contacting Revolut Customer Support

If you encounter issues:

• In-App Chat: Navigate to your profile, select ‘Help’, and choose ‘Chat with us’. Initially, you’ll interact with a chatbot; if unresolved, a human agent will assist.
• Email: Reach out to support@revolut.
• Automated Phone Line: To block your card, call +442033228352. Note: This line doesn’t connect to live support.

Security Measures and Tips

• Protect Personal Information: Only share your details through the official app.
• Beware of Phishing: Revolut won’t ask for sensitive information via unsolicited messages.
• Enable Two-Factor Authentication: Adds an extra layer of security to your account.

Benefits of Using Revolut Personal Accounts

• Multi-Currency Support: Hold and exchange multiple currencies with ease.
• Competitive Exchange Rates: Access interbank rates for currency exchanges.
• User-Friendly App: Manage your finances seamlessly.
• Global Acceptance: Use your Revolut card worldwide without hefty fees.

User Testimonials

Aleksandr rated Revolut ⭐⭐⭐⭐⭐

“Very simple and clear application, it takes a few minutes to open an account (…), quick process + quick support! Really very well done! Thank you.”

Loredana rated Revolut ⭐⭐⭐⭐⭐

“Very easy to install and use. It took me another 10-20 minutes to figure out how it works, but then it was a very simple and fast-forward app. I use it quite a lot occasionally. I would consider lowering the monthly payments; they are considerably high in proportion to many other apps, similar to this one.”

Alternatives to Revolut Personal Accounts

While Revolut offers numerous benefits, it’s wise to consider alternatives:

• Wise (formerly TransferWise): Provides multi-currency accounts with competitive exchange rates.
• Statrys: Focuses on business accounts but offers personal accounts in select regions.

Frequently Asked Questions (FAQs)

Is Revolut a bank?

In the EEA, Revolut operates as a bank under Revolut Bank UAB’s license in Lithuania. In the UK, Revolut is not a bank but is regulated by the Financial Conduct Authority (FCA) as an electronic money institution.

Can I open a Revolut personal account online?

Yes, the entire process is conducted online through the Revolut app.

How much does a Revolut personal account cost?

Revolut offers multiple plans, including a free standard account and premium options with additional features.

How long does it take to set up a Revolut personal account?

Typically, it takes a few minutes to complete the application. Verification may take longer, depending on the documents provided.

Can I have both a Revolut personal and business account?

Yes, you can hold both account types simultaneously.

Conclusion

Opening a Revolut personal account is a convenient way to manage your finances globally. By ensuring you have the correct documents and following the application process, you can enjoy the benefits Revolut offers. Always stay informed and reach out to their support if you encounter any challenges.