Not automatically. A data breach may explain how a criminal obtained information, but it does not by itself create a right to repayment from Revolut. Your prospects depend on whether the disputed payment was genuinely unauthorized or whether you authorized a transfer after being deceived, the payment channel, your country and Revolut contracting entity, the applicable account terms, and how quickly you reported the loss.
The clearest rules in the available material are UK rules. If your account is elsewhere, do not assume the UK protections or deadlines apply; check the local Revolut entity, terms and law.
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First identify what happened to the payment
Revolut will need to classify the transaction before it can apply a reimbursement rule. Two situations that sound similar to a customer can have materially different procedures.
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An unauthorized payment is one you did not approve. Examples include someone using your card, account access or payment credentials without your permission. Under UK Financial Conduct Authority (FCA) consumer guidance, you should contact the provider as soon as you notice the payment and ask for a refund. In the ordinary case, the refund should reach the account by the end of the next business day.
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The FCA says a claim should be made within 13 months of the payment. A provider has limited grounds to refuse, including evidence that you authorized the payment, acted fraudulently, or failed to protect a card, PIN or password in a way that allowed the transaction. Those are fact-specific exceptions, not a blanket rule that a customer loses protection whenever a credential was exposed. The FCA also says that use of a password, card or PIN might not by itself prove that you authorized a payment.
Authorized push payment (APP) scam
An APP scam is different: you personally instructed a bank transfer, but a criminal deceived you into doing so. The Payment Systems Regulator (PSR) describes APP fraud as different from unauthorized fraud, such as a stolen card being used to make payments.
For qualifying UK Faster Payments and CHAPS transfers, mandatory APP reimbursement protections began on 7 October 2024. Whether a particular Revolut transfer qualifies still depends on the account, payment rail, customer type, exclusions and claim conditions.
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Exposure of your email address, phone number, password, card data or other personal information can be important evidence about how a fraudster obtained access. It does not establish, on its own, that Revolut must refund a transaction. The payment record remains central: identify each disputed transaction, when it occurred, how it was sent, whether you approved it, and which entity and terms govern your account.
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The available official material does not establish that a particular Revolut breach occurred, that your details were exposed, or that any specific breach caused your loss. Avoid stating causation as fact unless you have evidence such as a breach notification, account-security logs, messages from the fraudster or other reliable records.
How UK reimbursement routes differ
| Question | Unauthorized payment | APP scam transfer |
|---|---|---|
| Did you approve the transaction? | No; another person used the account or payment instrument. | Yes, but you were deceived into sending the money. |
| Main UK framework | FCA consumer guidance and applicable payment-services rules. | Mandatory PSR protections for qualifying Faster Payments or CHAPS transfers from 7 October 2024. |
| Typical first action | Notify Revolut immediately and request a refund. | Raise an APP scam claim with Revolut promptly and provide the requested information. |
| Reported time limit | FCA guidance says within 13 months of the payment. | Revolut’s UK eligibility page says within 13 months of the last suspected fraudulent transaction. |
| Common decision issue | Whether you authorized the payment or failed to protect security details in a way that enabled it. | Whether the transfer is eligible and whether you followed the warning, evidence and reporting requirements. |
When the UK APP protection can apply
Revolut’s UK eligibility material lists individuals, qualifying microenterprises and charities as covered customer groups. It describes eligible UK account-number-and-sort-code payments and instant fiat transfers between UK Revolut accounts. The PSR protection is tied to qualifying UK payment rails, so the label “fraud” alone does not make every transfer eligible.
APP routes Revolut says are excluded
Revolut’s exclusions page says its APP reimbursement route does not cover:
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- Card payments.
- Cash or cheque payments.
- Transfers to an account you control.
- Civil disputes involving genuine goods or services.
These exclusions describe the APP route. They are not a complete statement of every possible remedy under a card scheme, another payment rule or local law. If your loss falls outside APP reimbursement, ask Revolut which alternative dispute or fraud process applies instead of assuming that no route exists.
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Conditions Revolut lists for an APP claim
- Answer scam-warning prompts truthfully.
- Complete basic checks Revolut requests.
- Provide relevant claim information, such as screenshots and details about the scam and where it originated.
- Report the claim within the stated 13-month period.
- Cooperate with a police report. Revolut says it may ask to raise the claim with police and may decline reimbursement if you refuse permission and have not handled the report yourself.
Revolut also describes an exception where a vulnerability materially affected your ability to protect yourself. Explain any relevant vulnerability clearly and provide supporting information where possible; do not assume the exception applies without a case-specific assessment.
The APP cap is inconsistent across current UK materials
Do not rely on a single headline maximum without checking the terms attached to your account and claim. Revolut’s UK eligibility page currently displays a maximum of £120,000. The retrieved Revolut personal terms state £85,000, and the PSR’s consolidated policy statement also sets an £85,000 maximum per APP claim.
The available materials do not explain the discrepancy. The practical step is to ask Revolut in writing which maximum applies to your specific account, payment date and contractual terms, and to ask the regulator or an adviser if the answer remains unclear. The existence of a cap does not mean every eligible claim receives the maximum.
The same Revolut materials identify a £100 excess per APP claim. Confirm whether the terms governing your account contain that excess and how it will be applied before relying on an estimated recovery.
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What to do immediately after discovering fraud
- Secure access. Freeze a card if its details may be compromised, change the app passcode if another person may have accessed the account, and secure associated email or phone access. Revolut’s US fraud guidance gives these steps; use the equivalent controls shown in your own region and app.
- List every disputed transaction. Record the date, amount, recipient, currency, reference and payment method. Separate transactions you did not authorize from transfers you made after a scammer persuaded you.
- Report through Revolut’s app. Use the transaction-help or fraud channel and state plainly what happened. Revolut says it assesses whether funds can be recovered or reimbursement is available, so a prompt report may also help with recovery actions.
- Preserve evidence. Save screenshots, chats, emails, call records, phone numbers, web addresses, warning prompts, transaction confirmations, breach notices and dates. Keep original files and export statements rather than relying on memory.
- Explain authorization accurately. Do not describe an APP transfer as “unauthorized” merely because a scam caused it, and do not call a payment authorized if someone else made it. The distinction determines which route is considered.
- Make any police report requested. Keep the reference number and send it to Revolut if asked. If you do not authorize Revolut to raise a report, handle the report yourself and retain proof.
- Ask for the decision basis. Request the legal entity, applicable terms version, payment rail, deadline, cap, excess and the precise reason for any refusal. Written details are particularly important while the £120,000 and £85,000 figures conflict.
How timing affects a claim
Immediate notification is sensible even where a formal deadline is measured in months. It can allow account-security measures, payment recall attempts and evidence preservation while records are fresh. For UK unauthorized payments, FCA guidance refers to a 13-month period from the payment. For Revolut’s UK APP process, the published deadline is 13 months from the last suspected fraudulent transaction.
Industry figures provide context, not a promise about your case. The PSR’s 2026 dashboard reports that 88% of APP scam losses—£316 million—were reimbursed over the 18 months from 7 October 2024 through 31 March 2026. It also reports that 82% of claims closed within five business days and 98% within 35 business days. These are aggregate outcomes, not individual deadlines or guarantees. The PSR notes that UK Finance’s 2024 reimbursement figure was 61%, but says direct comparison is limited because the scopes differ.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.If Revolut refuses or delays reimbursement
Ask for a written explanation identifying the transaction classification, rule relied on, evidence considered and any missing information. Correct factual errors and supply the documents requested. A refusal based only on the fact that a password, card or PIN was used may warrant closer examination, because FCA guidance says that use alone might not prove authorization.
If the account is covered by the UK process and the response remains unsatisfactory, use Revolut’s formal UK complaint procedure. FCA guidance says eligible consumers may refer an APP reimbursement complaint to the Financial Ombudsman Service. Check the ombudsman’s eligibility and referral deadlines for your particular account and decision; those conditions vary with the case and are not automatic for every customer or payment.
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Country, entity and terms come first outside the UK
The UK rules above should not be applied to an account held through another Revolut entity without verification. Reimbursement rights can differ by country, payment rail, account type and the version of the terms accepted when the transaction occurred. Before arguing a cap or deadline, identify:
- Your country of residence and the Revolut legal entity named in the app or agreement.
- The account terms in force on the transaction date.
- Whether the payment was a card transaction, bank transfer, Faster Payment, CHAPS payment, international transfer or another route.
- Whether you are an individual, qualifying business or charity.
- The date of the last suspected fraudulent transaction and the date you reported it.
Those facts determine which complaint channel, regulator, ombudsman or payment-scheme process is relevant.
A practical decision checklist
- No approval by you: pursue the unauthorized-payment route and request a refund promptly.
- You approved a transfer after deception: pursue the APP route and provide the scam evidence and warning-prompt information.
- Card, cash, cheque or international payment: ask which non-APP fraud or dispute process applies because Revolut lists these as APP exclusions.
- Potentially exposed credentials: secure the account and describe the breach evidence, but do not treat exposure alone as proof of reimbursement entitlement.
- Unclear maximum: obtain written confirmation because current Revolut and PSR materials show different APP caps.
- Unsatisfactory UK decision: complete the formal complaint route and check whether Financial Ombudsman referral is available.
The Bottom Line
A data breach does not guarantee a Revolut refund. Your strongest route depends on authorization, payment method, UK eligibility (if applicable), timely reporting, evidence and the terms governing your account. Report the loss immediately, distinguish an unauthorized payment from an APP scam, and obtain the applicable cap and decision reasons in writing.
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