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Do not treat every recurring payment as a “direct deposit.” Salary and benefits are incoming credits; a merchant Direct Debit is an authorization for a company to collect money; a scheduled or standing transfer is an instruction you create; and a card subscription charges a stored card. Each follows a different migration process.
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Identify what you are moving
Make a complete list before changing anything. Classifying each item prevents the most common mistake: expecting a bank-switch service to move a card subscription or assuming a scheduled transfer is the same as a merchant Direct Debit.
| Payment type | Typical examples | Who initiates it | How it moves |
|---|---|---|---|
| Incoming credit (often called direct deposit) | Salary, pension, government benefit, freelance or other payer credit | Employer, agency or other payer | Give the payer your Revolut account details, or include it in an eligible account switch. |
| Merchant Direct Debit | Utilities, rent, insurance, memberships collected from your bank account | The merchant collects after you authorize it | Use an eligible switch service, or provide the merchant with your Revolut details and complete its authorization. |
| Scheduled or standing bank transfer | Regular transfer to a person, savings account or landlord | You, through a recurring payment instruction | Re-create or migrate the instruction in Revolut; it is not a merchant Direct Debit. |
| Recurring card subscription | Streaming, software, gyms or other services charging a saved card | The merchant charges your card network | Replace the stored card details with your Revolut card. Bank-switch services generally do not transfer these. |
Keep a separate column for the currency and the date each item normally posts. A local-currency payment can be eligible while a foreign-currency payment is not, and a payment due during the transition needs money left in the account that will actually be charged.
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Choose the migration route
Route 1: an account-switching service
Some markets let you request a formal switch from inside Revolut. The service contacts the old provider and participating billers, redirects eligible incoming payments, and may transfer the remaining balance. The scope is country-specific: one service may include salary, Direct Debits and scheduled payments, while another may exclude particular payers, card-linked arrangements or credit facilities.
Read the local service terms before selecting a switch date. In some markets you can choose a full switch that closes the old account; in others you can move payments while keeping the old account open. A switch is not a universal guarantee that every employer, biller or card merchant will participate.
Route 2: direct updates
If no formal switch is offered, or an item is excluded, update it yourself. Give your employer or payer the relevant Revolut account details, then contact each merchant that collects by Direct Debit. Re-create scheduled transfers in Revolut and edit the payment card saved with every subscription provider. This route takes longer, but it works for arrangements that a switching service cannot handle.
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| Question | Formal switch | Direct updates |
|---|---|---|
| Who does most of the work? | The local switching service and participating providers | You, your employer and each merchant |
| Coverage | Only eligible payment types, providers and currencies in that market | Any arrangement whose payer or merchant accepts the new details |
| Timing | Set by the local service and its switch date rules | Set by each employer, biller and subscription provider |
| Old-account result | May close automatically for a full switch, or remain open for a payments-only option | Remains open until you close it yourself |
Prepare before changing a payment
- Confirm the Revolut account is open and verified. Resolve identity checks or account restrictions first.
- Open the correct currency account details. Labels vary by country and app version. For US Direct Debits, Revolut’s instructions use Profile > Account > Account details > USD. UK instructions provide local EUR or GBP details. Use the account and currency requested by the payer; do not substitute card numbers for bank-account details. See the US Direct Debit instructions and UK Direct Debit instructions for the applicable fields.
- Export your old-bank activity. Review at least several months of statements, scheduled payments, Direct Debits, incoming credits and card subscriptions. Include annual bills and payments that are currently paused.
- Record each provider’s lead time. Payroll departments often close a pay run days or weeks before payday; merchants may require a new mandate before the next collection.
- Keep a transition balance. Leave enough money in the old account for anything that will debit before its effective switch date, and maintain enough in Revolut for the first incoming credit and new bill.
- Save proof. Keep confirmation emails, mandate references, switch dates and screenshots until the first successful cycle has completed.
Move salary and other incoming credits
Using a formal switch
Check whether your local Revolut switching service includes salary, pension or benefits. Submit the old-account details, select the eligible incoming payments, and choose a date that does not coincide with payday or a large bill. Even where the service redirects payments, Revolut’s UK guidance tells customers to inform the employer of the new Revolut details, so send the payroll change yourself as a safeguard.
Updating an employer or payer directly
- Ask payroll or the payer which fields it accepts: account number and sort code, IBAN, routing and account number, or another local format.
- Copy those details from the Revolut currency account, not from a card screen.
- Ask for the first pay date that will use the new account and whether a verification deposit or signed form is required.
- Check the first credit in Revolut’s transaction history. If it still arrives at the old bank, contact payroll immediately; do not assume a forwarding service will operate in your country.
Some incoming payments are excluded from local switching schemes. Foreign-currency credits, card refunds and certain benefit or government payments may need a separate change with the payer.
Move merchant Direct Debits
A Direct Debit is controlled by the merchant’s authorization, not by your Revolut card. Revolut cannot create a merchant mandate on your behalf. Give the biller your Revolut account details, complete its online or paper authorization, and ask when the first collection will use the new account.
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- Identify the merchant, mandate reference, normal collection date and currency.
- Use Revolut’s local account details for that currency. The US guidance covers local USD transfers; the UK guidance lists local EUR and GBP details.
- Submit the change through the merchant’s account portal or customer service and retain its confirmation.
- Do not cancel the old mandate until the merchant confirms the replacement and one collection succeeds, unless the merchant explicitly instructs you to do so.
- Review the first debit in Revolut and compare the amount and date with the bill.
An account-switching service can move eligible Direct Debits automatically, but exclusions differ. A merchant outside the participating country, a company not covered by the local scheme or a payment tied to a card may still require direct action.
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A scheduled transfer is an instruction you create to send money on a timetable. It is different from both salary credit and a merchant Direct Debit. List the recipient, amount, frequency, end date and source currency, then create the equivalent instruction in Revolut or through the local switching process.
Revolut’s US help page states that domestic scheduled transfers can be managed in the app, while international scheduled transfers are currently disabled. Do not create an international recurring instruction there unless the app explicitly offers it for your account. The current US guidance is available at Manage scheduled transfers.
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Germany’s switching service sends customers a list of standing orders to set up, rather than silently recreating every instruction. Compare that list with your own records, because a missed standing order can be harder to notice than a failed merchant debit.
Move recurring card subscriptions
Card-billed subscriptions do not use your bank-account Direct Debit mandate. UK and German switching guidance specifically excludes recurring payments linked to the old debit card. For every subscription:
- Open the provider’s billing or payment settings.
- Replace the old card number, expiry date, security code and billing address with the Revolut card details it accepts.
- Check whether the provider requires a small verification charge or reauthorization.
- Leave the old card available until the provider confirms the new card and one renewal succeeds.
- For services that do not let you edit a card, cancel and resubscribe or contact support before the next renewal.
A card subscription can continue charging the old card even after the bank account behind that card has been switched. Treat every saved-card merchant as a separate migration.
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Country-specific rules and timelines
The following examples apply only to the named local Revolut service. They are not a global promise about Revolut accounts registered elsewhere.
| Country or service | What the local switch describes | Timing or forwarding period | Important exclusions or actions |
|---|---|---|---|
| United Kingdom | Eligible salary, pension and benefit credits, Direct Debits and scheduled payments | Revolut says the switch is guaranteed within seven days; its process description says seven working days to validate and execute. Incoming payments to the old account are redirected for at least three years. | Card subscriptions and overdrafts are excluded. A full CASS switch transfers remaining GBP and closes the old account; a payments-only option can keep it open. See Switch your account to Revolut in the UK. |
| Germany | Direct Debits, recurring transfers and positive balance; standing orders are supplied as a list for the customer to set up | Select a switch date at least six business days ahead. Revolut says completion can take up to 12 working days after it has complete information. | Some incoming funds, Direct Debits from certain companies, recurring payments tied to the old debit card and credit facilities are excluded. Avoid a date near payday or major bills. Details are in Germany’s switching guidance. |
| Netherlands | Forwarding of covered local EUR incoming payments, such as salary and benefits, and Direct Debits | The described forwarding period is 13 months. | Some foreign-currency credits, card payments and remaining balances may require customer action. See the Netherlands switch information. |
| Belgium | Direct Debits and periodic credit transfers | The retrieved local guidance does not state a universal completion or forwarding period. | Some credit sources and card-linked recurring payments are excluded. Direct Debits whose originators are outside Belgium may need to be changed directly. See Belgium’s account-switch guidance. |
| United States | The cited guidance explains setting up local USD Direct Debits and managing domestic scheduled transfers; it does not establish a universal service that moves salary and every payment automatically. | No universal US switch timeline is stated in the cited guidance. | The merchant must authorize the Direct Debit after you provide account details. International scheduled transfers are currently disabled. Use the US Direct Debit page and the US scheduled-transfer page. |
Build a safe transition schedule
- Two or more pay cycles before the change: inventory every incoming and outgoing item, verify Revolut details and ask payroll and billers about lead times.
- Before the selected switch date: submit the formal switch or direct changes, create replacement scheduled transfers, and update card subscriptions. Keep the old account funded.
- During the transition: check both accounts around each payday and bill date. Watch for an old-account debit, a rejected mandate or an incoming payment that was not redirected.
- After the first successful cycle: reconcile the amount, date and reference for each item. A successful salary credit does not prove that annual bills or card renewals have moved.
- Only after coverage is confirmed: decide whether to close the old account. Cancel unused mandates and remove saved payment details only after the replacement is working.
Troubleshoot common failures
The employer still pays the old account
Confirm that payroll accepted the new details before its cutoff and that the account and currency numbers were copied correctly. Ask whether the employer sends through a provider that requires a separate verification step. Contact Revolut support if a formally included payment was not redirected within the local service’s stated period.
A Direct Debit is rejected
Check that the merchant has completed a new authorization, the account is funded in the correct currency, and the collection date was after the mandate became active. Ask the merchant whether it supports your Revolut country and account type; an excluded originator must be updated manually.
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Verify that you recreated the instruction, not merely the recipient, and check its first execution date, frequency, end date and balance. In the US, confirm that it is domestic because the cited guidance says international scheduled transfers are disabled.
A subscription charged the old card
That is expected when the provider still holds the old card details. Edit the provider’s billing settings or contact it to reauthorize the Revolut card. Keep the old card funded or active until the replacement renewal succeeds.
The old account cannot be closed
Look for pending card transactions, unpaid fees, unresolved Direct Debits, credit facilities or incoming payments that are excluded from forwarding. Obtain written confirmation from employers and billers, move any remaining balance, and follow the old bank’s closure procedure. Do not close it merely because one payment has arrived successfully at Revolut.
Quick Recap
Final verification checklist
- First salary or benefit credit is visible in Revolut.
- Every merchant Direct Debit has a confirmed mandate or has completed one successful collection.
- Every scheduled transfer appears in Revolut with the intended amount and date.
- Every card subscription shows the Revolut card as its payment method.
- The old account has enough funds for anything still due there.
- Excluded foreign-currency, card-linked, credit or nonparticipating payments have a separate plan.
- You have checked both accounts through at least one complete billing cycle before closure.
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