Manage Revolut

How to cancel your revolut account in ireland and protect your money

What is revolut and why you might need to cancel

Revolut is a digital banking and payments platform offering multi-currency accounts, cards, and paid subscription tiers with benefits like travel insurance and higher withdrawal limits. The company operates in Ireland through Revolut Bank UAB (Irish Branch) and attracts users who value competitive foreign exchange rates and app-based account management. You may have signed up for Revolut to save on international transfers or to access travel perks, but circumstances change-and when they do, you deserve a straightforward cancellation process.

Whether you've found a better alternative, want to simplify your finances, or spotted unexpected charges on your account, Stopee understands that cancelling a financial service carries real weight. This guide walks you through every step to close your Revolut account safely, recover any funds owed to you, and know your legal rights as an Irish consumer.

Subscription plans and pricing structure

Revolut offers four personal plans, ranging from free to premium tiers, each with different fee structures and benefits baked in.

If you're on a paid tier and no longer use the features, you're paying monthly or annually for benefits that don't serve you. Cancelling your subscription stops these recurring charges immediately.

Common reasons people cancel revolut

You might cancel because you've downgraded your travel frequency, found cheaper alternatives, hit unexpected account restrictions, or simply want to consolidate your finances with a traditional bank. Some customers report that account verification friction or dispute resolution delays pushed them toward closure. Others realised that the subscription fee no longer justified the FX savings they were getting. Whatever your reason, cancellation is your right as a consumer.

Your consumer rights under irish law

Irish consumer law gives you strong protections when you cancel a digital financial service, and Stopee exists to help you exercise them.

Consumer rights act 2022 and distance contracts

Under the Consumer Rights Act 2022, which implements the EU Consumer Rights Directive, you have a 14-day cooling-off period from when you sign up for a paid subscription. If you cancel within this window, you can request a full refund of any charges, provided you have used the service only to the extent necessary to test it. After 14 days, you can still cancel, but you forfeit the refund unless you can prove that Revolut breached its contractual obligations-for example, by charging you without clear consent or after a trial period you thought was free.

Additionally, the Central Bank of Ireland oversees payment institutions like Revolut and enforces transparency rules. If you dispute a charge or believe Revolut has acted unfairly, you can escalate your complaint to the Central Bank's Consumer Complaint Bureau.

Refund rights and dispute mechanisms

If you cancelled within 14 days and have paid for a plan you no longer use, you can request a refund. Revolut must process refunds within 14 calendar days of receiving your cancellation request. If the company delays or refuses without justification, you have the right to file a formal complaint with the Central Bank of Ireland, which can mandate refund action. Stopee recommends documenting all communication with Revolut-screenshots of your cancellation request, confirmation emails, and payment records-to support any future dispute.

Methods to cancel your revolut account

Revolut offers several cancellation pathways, and the method you choose depends on whether you're cancelling a paid subscription or closing your entire account.

In-app cancellation via live chat

The fastest and most direct route is through Revolut's in-app messaging feature. This method logs your cancellation with Revolut's support team in real-time, creating a digital record.

1. Open the Revolut app on your smartphone.
2. Navigate to the Menu or Settings tab (usually at the bottom right).
3. Look for "Help" or "Support" and select "Chat with us" or "Live chat".
4. Type "Live agent" or "Cancel subscription" to connect with a support representative.
5. Clearly state: "I want to cancel my [plan name] subscription effective immediately" or "I want to close my Revolut account."
   • Specify whether you want to cancel just the paid plan or close the entire account.
   • If you paid annually, ask for a pro-rata refund for unused months.
6. Request written confirmation of your cancellation via email.
7. Screenshot the conversation as proof of your request.

Pro tip: Conduct this chat during Revolut's listed business hours (typically 9 AM to 5 PM CET) to reach an agent quickly. Evening or weekend requests may take longer to be actioned.

Email or postal cancellation

If you prefer a formal written record or encounter app issues, you can cancel by post or email directly to Revolut Bank UAB (Irish Branch).

1. Compose an email or letter with your full name, account email address, and account number (visible in the app under Settings).
2. Write clearly: "I wish to cancel my [plan type] subscription, effective immediately" or "I request the closure of my Revolut account."
3. Include the date of your cancellation request.
4. Request written confirmation and details of any refund owed.
5. Send your request to Revolut Bank UAB (Irish Branch) using the contact details provided in the next section.
6. Keep a copy of your email or letter for your records.

Warning: Postal requests can take 5-10 working days to process. Use email if speed matters to you, but always request a read receipt to confirm Revolut has received your message.

Revolut people workspace closure

If you're closing a Revolut People (business) workspace, the process differs slightly from personal account cancellation.

1. Log into your Revolut People workspace via the app or web portal.
2. Go to Settings.
3. Select Admin panel.
4. Scroll down to find "Close account" or "Delete workspace".
5. Follow the on-screen prompts to confirm closure.
6. Ensure all team members are notified and any outstanding balances are settled.

Closing a workspace doesn't automatically close your personal Revolut account, so repeat the personal account steps if you want complete removal.

Step-by-step cancellation walkthrough

This section guides you through the most reliable in-app cancellation method, from start to finish, so you avoid common pitfalls.

Preparing before you cancel

Before you initiate cancellation, take three practical steps to protect yourself.

1. Check your account balance and ensure you've withdrawn or transferred any remaining funds to another account.
   • Revolut may freeze accounts after closure, making fund retrieval harder.
2. Review your recent transactions for any pending disputes or chargebacks you're waiting to resolve.
   • Closing your account may complicate dispute resolution.
3. Note your cancellation date and the plan you're cancelling to reference in your request.
   • Screenshot your current plan tier from Settings.
4. Check whether you paid monthly or annually and how many months remain in your billing cycle.
   • You can use this to calculate your pro-rata refund entitlement.

Submitting your cancellation request

Now you're ready to contact Revolut and formally end your relationship.

1. Open the Revolut app and log in.
2. Tap the Menu icon at the bottom right (or swipe left, depending on your app version).
3. Select "Help" or "Support".
4. Tap "Chat with us" or "Contact support".
5. Type your message in the chat box: "I want to cancel my [Premium/Metal/Plus] subscription effective today. Please confirm receipt of this request and provide details of any refund owed."
   • Be specific: "Cancel subscription" not just "Help"-vague requests may be misdirected.
6. Send the message and wait for a support agent to respond (usually within 30 minutes to 2 hours during business hours).
7. The agent will ask for confirmation of your account details and may ask why you're cancelling (optional to answer).
8. Once confirmed, the agent will provide a cancellation reference number or ticket ID.
9. Ask: "Can you email me a written confirmation of this cancellation and the effective date?"
10. Take a full-page screenshot of the entire conversation, including the agent's final confirmation.

Pro tip: Request the cancellation reference number explicitly. This is your evidence if Revolut later disputes your cancellation date for refund calculations.

Refunds and timeline expectations

Understanding when and how you'll recover any money owed is critical, and Stopee breaks down the refund process so you know exactly what to expect.

Refund eligibility and timescales

Your refund depends on when you cancel relative to your billing cycle and how long you've held the subscription.

If you cancel within 14 days of signing up and the paid plan is the only service you're using, you're entitled to a full refund of all charges. Revolut should credit this within 14 calendar days of receiving your request. If you cancel after 14 days, you lose the cooling-off period refund protection unless you can prove Revolut breached its contract-for example, charging you without consent or failing to deliver promised services.

However, if you paid annually and cancel mid-year, you can request a pro-rata refund for the unused portion. For example, if you paid €155 for a Metal plan valid 12 months and cancel after 6 months, you're owed €77.50 (half the annual fee). Revolut doesn't always offer this voluntarily, so you must ask explicitly.

Following up on your refund

After you've submitted your cancellation, monitor your account for the refund credit.

1. Wait 3-5 business days after your cancellation confirmation.
2. Log into your Revolut app and check your transaction history for the refund credit.
3. If you don't see it within 7 days, return to the chat and ask: "I cancelled on [date]. Where is my refund of €[amount]? Please provide the transaction reference."
4. If Revolut refuses the refund or misses the 14-day deadline, document this exchange and escalate to the Central Bank of Ireland (see section below).

Warning: Don't close your Revolut account entirely before receiving your refund. If the account is closed, recovering money becomes significantly harder. Wait until the refund clears, then close the account if you wish.

What happens after you cancel

Closing a financial account comes with loose ends, and managing them properly protects your credit score and digital security.

Timeline and account status

When you cancel your subscription, Revolut stops charging you but may not immediately close your account. Here's what unfolds:

• Your subscription ends on the effective cancellation date provided by the support agent.
• Your Revolut card (physical or virtual) remains active until the expiry date printed on it unless Revolut deactivates it after closure.
• You can still access your account and view transaction history for compliance and dispute purposes.
• If you request full account closure, Revolut will disable your cards and restrict new transactions within 24-48 hours.
• You'll receive a confirmation email once account closure is complete.

Protecting yourself after cancellation

After your account is cancelled, take these steps to avoid complications:

1. Delete any saved Revolut payment methods from other apps (Apple Pay, Google Pay, online shopping sites).
2. Update any recurring automatic payments (subscriptions, bill payments) to use a different card or bank account before your Revolut card expires.
3. Monitor your email for any unexpected charges or account activity from Revolut.
4. If you're closing your account completely, download or screenshot your final transaction history from the app before it becomes inaccessible.
5. Request and save the account closure confirmation email Revolut sends you.

These steps ensure that no hidden charges sneak through after cancellation and that you retain proof of closure for your records.

Common mistakes to avoid during cancellation

Cancelling a financial service is stressful, and small missteps can cost you money or delay your refund-but you can avoid them with clear planning.

Mistakes that delay refunds or leave you unprotected

• Not requesting written confirmation: If you cancel verbally or via chat without asking for an email confirmation, you have no proof of the date and terms. Always ask the support agent to email you a cancellation summary.
• Cancelling immediately after paying annually: If you've just paid for an annual plan, you forfeit the full year unless you cancel within 14 days. Check your sign-up date before you pay, and if you're unsure about keeping the plan, wait a week into the trial before paying.
• Closing your account before the refund arrives: If you fully close your account, Revolut may delay or refuse refunds because the account is no longer accessible. Process your refund first, then close the account.
• Assuming cancelled subscriptions stop automatically: Some users believe subscriptions stop on their own after a cancellation request. They don't-you must follow through and verify that charges have ceased on your next billing date.
• Not checking for hidden or reactivated charges: In rare cases, users report being re-subscribed after cancellation due to app glitches or accidental settings changes. Monitor your statement for 2-3 months after cancellation.

Escalating disputes and filing complaints

If Revolut refuses to cancel, delays your refund, or disputes your cancellation date, Stopee recommends a structured escalation process that protects your rights under Irish consumer law.

Internal dispute resolution with revolut

First, give Revolut a fair chance to resolve the issue within their own system.

1. Reply to the chat conversation or email your cancellation confirmation message to Revolut, asking for a formal response within 7 days.
2. Clearly state your concern: "I cancelled on [date] and should receive a refund of €[amount] by [deadline]. Please confirm the refund status or explain why it has not been processed."
3. Attach screenshots of your cancellation request, the agent's confirmation, and your transaction history showing no refund.
4. Keep a copy of this email for your records.
5. If Revolut responds within 7 days and resolves the issue, your case is closed.
6. If Revolut does not respond or refuses to help, proceed to escalation.

Escalating to the central bank of ireland

If Revolut doesn't resolve your complaint, you have the right to lodge a formal complaint with the Central Bank's Consumer Complaint Bureau, which oversees all payment institutions operating in Ireland.

1. Gather all evidence: cancellation chat transcript, confirmation emails, refund evidence (or lack thereof), and your detailed account of what happened.
2. Visit the Central Bank of Ireland website and navigate to the Consumer Complaint section.
3. File a complaint form detailing your issue, the dates involved, and the resolution you're seeking.
4. Include a copy of your communication with Revolut showing that you've already tried to resolve the issue directly.
5. The Central Bank will contact Revolut on your behalf and request a response within a set period (usually 20 working days).
6. You'll receive updates as the investigation progresses.

Pro tip: The Central Bank's intervention carries real weight. Many companies resolve complaints once the regulator is involved, so don't hesitate to escalate if Revolut stonewalls you.

Comparison: cancelling revolut vs. other digital banks

If you're considering Revolut as your primary bank, understanding how its cancellation process compares to competitors helps you choose wisely.

When to keep your revolut account and when to cancel

Before you cancel, weigh whether Revolut truly no longer serves your needs or whether a small adjustment might retain its value.

Reasons to keep your account

• You travel internationally regularly and use Revolut's FX rates to save on exchange fees.
• You send money abroad frequently and Revolut's transfer rates beat your bank's.
• You're within 14 days of signing up and still testing the platform-hold off before deciding.
• You've paid for an annual plan and the refund is too small to justify the hassle of cancellation.
• You use Revolut as a secondary account for specific purposes (travel spending, multi-currency holding) and keep it dormant between trips.

Reasons to cancel

• You've found a cheaper alternative with better rates, and the subscription fee no longer justifies the savings.
• You're being charged for a subscription you don't actively use (e.g., you cancelled but Revolut kept charging).
• Account restrictions, verification friction, or dispute delays have made the service unreliable.
• You want to consolidate your finances into a single, traditional bank for clarity and regulatory comfort.
• You received unexpected charges or feel Revolut's terms are unclear or unfair.

If you're on the fence, consider downgrading from Premium or Metal to the free Standard plan instead of fully cancelling. This keeps the account active for future travel while you stop paying the subscription fee.

Contact details and next steps

To cancel your Revolut account, use the following contact information:

Revolut bank UAB (Irish branch) official address

Address: 2 Dublin Landings, North Dock, Dublin 1, Ireland

For in-app cancellations, use the Revolut app's live chat feature (type "Live agent" into the chat box). For written cancellations, email your request to Revolut's support address (found in your account settings under "Contact us") or send a letter to the Dublin address above, marked "Account Cancellation Request" and including your full name, account email, and account number.

For complaints or disputes that Revolut doesn't resolve within 14 days, escalate to the Central Bank of Ireland's Consumer Complaint Bureau via their website. Be sure to include copies of your cancellation request, confirmation from Revolut, and any evidence of disputed charges or delayed refunds.

Stopee's support for your cancellation journey

Cancelling a financial service doesn't have to be complicated or stressful. Stopee has helped thousands of consumers cancel unwanted subscriptions, resolve refund disputes, and understand their rights when dealing with companies that make cancellation deliberately hard. Whether you're cancelling Revolut today or another service tomorrow, Stopee provides clear, step-by-step guidance and backs you up with consumer law expertise. Visit Stopee.com to explore cancellation guides for hundreds of services, file complaints on our platform, and connect with a community of empowered consumers who know their rights.

You have the power to cancel, the law on your side, and Stopee in your corner. Cancel with confidence today.