Manage rev points

How to cancel rev points with revolut and reclaim your rewards strategy

Understanding rev points and why cancellation matters

RevPoints is Revolut's loyalty rewards programme that lets you earn points on eligible card spending and in-app purchases, then convert those points into airline miles, gift cards, travel vouchers or partner offers. The catch: points are non-refundable, non-monetary, and tied to your Revolut account tier. If you've signed up for a paid plan to boost your earning rate, or purchased points as a recurring expense, you're committing real money to a rewards system that only pays out in vouchers or miles-not cash back.

At Stopee, we know that loyalty programmes can feel rewarding in theory but draining in practice. Many Irish consumers discover too late that the monthly plan cost or recurring point purchases don't match their actual redemption value. If you're in that position, cancelling rev points-or downgrading your Revolut plan-is a legitimate financial decision. This guide walks you through exactly how to do it, what refunds you can legally expect, and what traps to avoid.

What rev points actually costs you

RevPoints itself is free to join, but the real expense arrives when you upgrade your Revolut plan for better earning rates or buy points directly. Here's the breakdown:

If you're paying €15.99 a month for Metal tier and earning points at a 1:1 ratio with airline partners, you need to redeem enough miles to cover that €191.88 annual subscription cost-and then actually use those miles to see any tangible value. For many people, especially light spenders, that maths doesn't work out. Stopee recommends running a simple annual calculation: Do the points you'll earn minus the subscription cost equal real travel value, or are you feeding a system that only benefits Revolut?

When you should cancel rev points participation

You're a good candidate for cancellation if any of these apply:

• You've upgraded to a paid plan but rarely redeem points-the subscription cost is pure loss.
• You've set up recurring point purchases and forgotten about them-a common trap that quietly drains your account.
• Your redemption options are limited (few airline partners in your region, poor gift card selection).
• You've calculated that the annual plan cost exceeds your realistic redemption value.
• You're concerned about point expiry (RevPoints typically expire 12 months after issuance-check your terms).
• You want to downgrade to Standard and reclaim the monthly fee without losing access to Revolut itself.

Your consumer rights under irish law

Before cancelling, know your legal position as an Irish consumer.

The consumer rights act 2015 and subscription clarity

Under the Consumer Rights Act 2015, as amended, Revolut must provide you with clear, upfront information about subscription costs, auto-renewal terms, and cancellation conditions. If Revolut has charged you for a plan upgrade or recurring point purchases without explicit consent, or if the terms weren't transparent, you have grounds to dispute the charge.

Key protections:

• Revolut must tell you the exact cost, frequency, and duration of any subscription before you agree to it.
• You have the right to cancel an ongoing subscription without penalty, except for charges already incurred.
• If Revolut auto-renewed your subscription without clear reminder, you can request a refund for unauthorised renewals.
• Distance selling rules (because Revolut operates online) give you 14 calendar days to cancel after purchase and request a refund-though this typically applies to physical goods, not loyalty points.

Important: RevPoints themselves are classed as loyalty points, not monetary value. That means Revolut can legally decline to refund points as cash. However, they must refund subscription fees charged for access to the programme if you cancel within your rights. Stopee emphasises the distinction: you can reclaim money paid for your plan upgrade, but not the points you've already earned.

Escalation: the financial conduct authority and alternative dispute resolution

If Revolut refuses to refund a disputed subscription charge, you can escalate through the Financial Ombudsman Service (Ireland is covered under UK FCA rules because Revolut Bank is UK-regulated). You can also contact the Central Bank of Ireland if you believe Revolut has breached consumer protection law. Stopee advises keeping records of all charges, cancellation requests and communications-they're your leverage in a dispute.

How to cancel your revolut plan upgrade or rev points recurring purchases

Cancellation happens through the Revolut app, not by emailing support (though you can contact them for confirmation).

Step-by-step: downgrading your plan in the revolut app

Follow this process to cancel your paid plan and drop back to the free Standard tier:

1. Open the Revolut app on your phone and sign in.
   • Make sure you're using the latest version of the app (update via your device's app store if prompted).
2. Tap the Profile or Account icon (usually bottom right or top left, depending on your app version).
3. Select Plans or My Plan.
4. Review your current plan. You'll see your active tier (Plus, Premium, Metal, or Ultra) and the monthly cost.
5. Tap Change Plan or Downgrade Plan.
6. Choose Standard (the free option) and confirm.
   • Warning: When you downgrade, you lose the enhanced RevPoints earning rate immediately, but your existing earned points remain in your account (check your terms for expiry dates).
   • Pro tip: Downgrade on the day before your billing cycle renews to avoid paying another month's fee for a plan you're abandoning.
7. Confirm the downgrade. The app will show "Standard Plan" as active, and charges will stop at your next billing date.
8. Take a screenshot of the confirmation screen as proof of cancellation for your records.

Step-by-step: cancelling recurring rev points purchases

If you've set up a subscription to buy RevPoints monthly, cancel it separately:

1. Open the Revolut app and go to Profile > Subscriptions or Recurring Payments.
   • This section appears in the Account or Settings menu depending on your app layout.
2. Scroll through and locate any active RevPoints purchase subscription (it may appear as "RevPoints Monthly" or similar).
3. Tap the subscription and select Cancel or Disable.
4. Confirm the cancellation. The recurring charge will stop after your final payment processes.
5. Return to your subscription list to verify it's no longer active.

Warning: Don't confuse your Revolut plan subscription (which you downgraded above) with separate RevPoints purchase subscriptions. Some customers have both active-a paid plan AND a recurring points buy. Check your settings carefully to cancel both if needed.

Contacting revolut support for cancellation confirmation

While the app is your main cancellation channel, emailing Revolut confirms your request on record. Send a clear cancellation notice to their Irish support address:

• Email: support@revolut.com or use the in-app chat support.
• Subject line: "Cancellation request: Downgrade plan and cancel RevPoints subscriptions"
• Include: Your account email, the date you cancelled via the app, and a request for written confirmation that your plan downgrade and recurring point purchases are active cancelled (not just pending).
• Physical address (if escalating): Revolut Bank, 2 Dublin Landings, North Dock, Dublin 1, Ireland.

Keep this email thread-it's your proof of cancellation request if a charge reappears.

What happens to your rev points after cancellation

Cancelling your plan or stopping recurring purchases doesn't erase your earned points.

Your existing rev points balance

Points you've already earned remain in your account even after downgrading to Standard. You can still redeem them via the RevPoints section of the app. However, check your original terms: RevPoints typically expire 12 months from issuance. If your points are already 11 months old, cancelling your plan won't save them-they'll vanish on schedule.

Pro tip: Before downgrading, log into your RevPoints account and note your balance and expiry dates. Redeem any points that are close to expiring, or convert them to airline miles if you've got a redemption window left. Stopee strongly recommends this step to avoid losing value you've already earned.

Refunds for plan fees and recurring purchases

Revolut's standard policy: subscription fees paid for a given month are not refunded if you cancel mid-cycle. However, if you cancelled before your next billing date, you won't be charged again. Recurring RevPoints purchases follow the same logic-you won't refund the points you bought with cash, but future monthly charges stop immediately.

Exception: If Revolut auto-renewed your plan without a clear reminder email or in-app notification (as required by law), you can request a refund under Consumer Rights Act rules. This is a legitimate escalation point. Contact Revolut support with dates and screenshots of renewal notifications you did (or didn't) receive.

Common cancellation mistakes and how to avoid them

Cancellation feels straightforward until a charge hits your account weeks later-usually because of one of these slip-ups.

Mistake 1: downgrading your plan but forgetting to cancel recurring point purchases

Your plan fee stops, but your monthly €5 or €10 RevPoints purchase keeps charging. Solution: after downgrading, immediately navigate to Subscriptions and cancel any recurring point buys. Stopee sees this mistake constantly-it's the easiest one to miss because the two cancellations feel like one action but they're separate in Revolut's system.

Mistake 2: not taking a screenshot of confirmation

You cancel via the app, the screen updates, and you assume you're done. Three weeks later, another charge appears. Without a screenshot timestamp, Revolut's support team can claim you never cancelled. Your device's screenshot timestamp is evidence. Save it.

Mistake 3: cancelling via email instead of the app

Emailing Revolut to cancel is slower and sometimes ignored if your message lands in a general support queue. Always downgrade via the app first-that's instant and logged in Revolut's system. Use email as confirmation and escalation only, not your primary cancellation method.

Mistake 4: assuming your existing points will be refunded as cash

They won't be. RevPoints are loyalty currency, not money. If you cancel without redeeming your points and they expire, that value is gone. Redeem or convert before the expiry date arrives.

Your checklist before and after cancellation

Use this to ensure you've covered every angle:

After cancellation: what's next

Cancelling feels anticlimactic until a stray charge appears-then the emotional weight hits. You've just stepped back from a rewards system that promised value but delivered confusion, and now you're watching your account closely to make sure Revolut respected your decision.

Monitoring your account in the first 30 days

Set a phone reminder for your billing date (usually the same day each month). Log into Revolut and check that:

• No plan subscription fee appeared.
• No RevPoints purchase charge went through.
• Your plan still shows as Standard.

If any charge appears after cancellation, screenshot it immediately and email support with the date and amount. Use the subject line "Unauthorised charge after cancellation-refund request." Revolut typically refunds erroneous charges within 5-7 business days if you provide clear evidence.

Redeeming any remaining rev points

Your points don't vanish when you cancel the plan, but they do expire. Before your expiry date (usually 12 months from earning), log into RevPoints and convert your balance to:

• Airline miles (1:1 conversion with supported partners like Aer Lingus or other EU carriers).
• Gift cards (Amazon, Spotify, retail partners-though selection varies by region).
• Travel vouchers or partner offers listed in the RedPoints marketplace.

Pro tip: Airline miles typically hold value longer than gift cards. If you're unsure whether you'll use your points, convert them to miles with a partner airline and hold them there for up to 24 months (airline policies vary). Stopee emphasises: use what you've earned before time runs out.

Reviewing your revolut usage going forward

Now that you're on Standard tier, you still have access to Revolut's core features (card, currency exchange, payments)-you've just lost the RevPoints boost. Evaluate whether Standard meets your needs long-term. If Revolut's base features aren't compelling anymore, that's a separate cancellation conversation (closing your Revolut account entirely requires a different process-contact their support team).

Related services and comparison

If you're leaving RevPoints because you want a rewards system that actually pays you back, here's how Revolut compares to alternatives:

The hard truth: free reward systems are rare. If Revolut's RevPoints cost outweighed your value, so will most premium loyalty schemes. Stopee recommends choosing a banking provider based on fees and service quality first, then treating rewards as a bonus-not as the reason to stay.

Contact revolut and escalation routes

If your cancellation request is ignored or a disputed charge won't budge, escalate here:

Direct contact channels

• Email support: support@revolut.com
• In-app support chat: Open Revolut, go to Profile > Help, and start a conversation.
• Physical address (Ireland): Revolut Bank, 2 Dublin Landings, North Dock, Dublin 1, Ireland.
• Registered office: If support doesn't resolve your dispute, send a formal complaint letter to the address above, marked "Formal complaint under Consumer Rights Act 2015."

Regulatory escalation

If Revolut ignores your complaint or refuses a refund you believe you're entitled to:

• Central Bank of Ireland: Submit a complaint via their online portal (centralbank.ie). They oversee financial services complaints.
• Financial Ombudsman Service (UK): Because Revolut Bank is UK-regulated, you can also escalate here (financial-ombudsman.org.uk).
• Irish Consumer Association: Contact them for advice on consumer rights violations (consumerassociation.ie).

Keep all emails, screenshots and cancellation confirmations. Regulators need evidence to investigate.

Summary: taking control of your loyalty spending

RevPoints looked attractive in theory but became an expense you didn't need. Cancelling your plan or recurring purchases is the right move if the maths don't add up-and under Irish consumer law, you're well-protected if Revolut tries to push back on refunds for subscription fees.

Your action plan: downgrade to Standard via the Revolut app, cancel any recurring RevPoints purchases in your Subscriptions menu, redeem any remaining points before they expire, send a confirmation email to support@revolut.com, and monitor your next billing cycle for rogue charges. If anything goes wrong, escalate through the Central Bank of Ireland or the Financial Ombudsman Service.

Stopee has helped thousands of consumers cancel unwanted subscriptions, reclaim refunds and take back control of their spending. The same expertise applies here. You don't need a loyalty rewards programme that costs more than it delivers-and you have the legal right to walk away. Use this guide, document every step, and hold Revolut accountable. Stopee is your corner, every step of the way.