Manage Revolut

How to cancel your revolut subscription and reclaim control of your money

What revolut is and why you might need to cancel

Revolut is a digital financial platform that lets you hold multi-currency accounts, exchange money at live rates, send international transfers and pay with a physical or digital card. You access everything through a mobile app and online dashboard, choosing from tiered subscription plans (Standard, Plus, Premium and Metal) depending on the features you want.

In South Africa, Revolut offers multi-currency accounts and international payment tools, but not local domestic banking features like salary deposits or debit order management. Your funds are safeguarded through partner arrangements, not South African deposit insurance, which is worth understanding before you commit.

If you have signed up for a paid plan and now want to step back, Stopee understands that cancellation can feel unclear when a company has your details on file. This guide walks you through every cancellation method, what happens to your money and your rights under South African consumer law.

When cancellation makes sense

You might cancel because you no longer need international payments, the subscription fees do not match your usage, or you prefer a simpler banking solution. Others cancel because they discovered unexpected charges or realised the plan benefits do not serve their lifestyle. Whatever your reason, you have the right to cancel cleanly and understand what comes next.

Stopee's role in helping you cancel

At Stopee we help South African consumers navigate cancellation traps and reclaim refunds that companies owe them. Whether you are fighting for a 14-day refund or confused about which cancellation method actually works, Stopee has helped thousands of consumers cancel subscriptions on their own terms and recover money they thought was lost.

Your consumer rights when canceling revolut

South Africa's Consumer Protection Act (CPA) gives you specific legal protections when you cancel digital services. Understanding these rights stops Revolut from keeping money that should be yours.

The 14-day cooling-off right

When you buy a Revolut subscription online, you have 14 days to change your mind without giving a reason. This cooling-off period starts from the date you sign up or the date the first payment is taken, whichever is clearer in your records.

During this 14 days, if Revolut has not fully delivered all services promised in your plan, you are entitled to a full refund. If services were partially performed (for example, you used premium features for 5 days of a 30-day month), Revolut may deduct a proportionate amount for services consumed. The burden is on them to prove what was delivered and calculate fairly.

Pro tip: Take a screenshot of your order confirmation and the date you signed up. This date is your legal anchor for the 14-day countdown and your strongest proof if Revolut argues later.

Unfair contract terms and hidden charges

Under the CPA, any term in Revolut's contract that unfairly favours the company and surprises you is potentially unenforceable. Charges buried in small print, automatic renewals you did not explicitly consent to, or terms that make cancellation deliberately difficult are all red flags.

If Revolut renewal charged you on a date different from when you signed up, or if you were never shown a clear cancellation policy before paying, you have grounds to request a refund and escalate to the National Consumer Commission (NCC).

Right to clear cancellation information

Revolut must tell you how to cancel before you pay. If you subscribed and only later discovered that cancellation requires contacting support or navigating three hidden menus, that is a breach of fair information requirements. Stopee recommends documenting any confusion you experience when trying to find the cancellation option, because this evidence supports your complaint to the NCC.

Methods to cancel your revolut subscription

Revolut offers three main paths to cancellation. Choosing the right one depends on where your subscription is billed: through Apple App Store, Google Play or inside the Revolut app itself.

Canceling through apple app store or google play

If Revolut charged your Apple or Google account directly (not your card inside Revolut), you must cancel in the store app, not in Revolut itself. Deleting the Revolut app or cancelling inside it does not stop a store-managed renewal.

1. Open your iPhone or iPad and tap Settings (or on Android, open the Google Play app).
   • On iPhone: tap your name or Apple ID, select Subscriptions, find Revolut and tap Manage.
   • On Android: tap your profile icon, select Subscriptions, find Revolut and tap Cancel Subscription.
2. Review the cancellation date shown (usually the next renewal date) and confirm cancellation.
3. Take a screenshot of the confirmation screen immediately. This is your proof.
4. Wait for a confirmation email from Apple or Google within a few minutes and save it.

Warning: If you cancel on the day of renewal, the charge may still process. Cancel at least 2-3 days before your renewal date to avoid a final charge you will then need to dispute.

Canceling inside the revolut app

If your subscription is billed inside the Revolut app (not through a store), you cancel directly in Revolut without touching any app store settings.

1. Open the Revolut app and log in with your PIN or biometric.
2. Tap the menu icon (three horizontal lines) or your account profile, then select Plans, Subscriptions or Membership (exact naming varies by app version).
   • Look for your current active plan (Plus, Premium or Metal). Standard tier is free and has no cancellation button.
3. Tap on the active plan to open its details page.
4. Scroll to find Downgrade Plan, Cancel Plan or similar language and tap it.
5. Confirm the cancellation and the effective date (usually the end of your current billing cycle).
6. Take a screenshot of the final confirmation screen and save any in-app confirmation reference number.

Pro tip: Revolut often shows you a discount offer before final cancellation ("Stay for 50% off this month"). Ignore these unless you genuinely want to keep the plan. One tap through this screen and you are locked in again.

Canceling via revolut support

If you cannot find the cancellation button, the app crashes during cancellation or you want a written record, contact Revolut Support directly.

1. Open the Revolut app and tap Help or Support (usually in the menu or settings).
2. Tap Contact Us or Chat and search for keywords like "cancel subscription" or "downgrade plan".
3. If no automated option appears, start a live chat with a support agent.
4. State clearly: "I want to cancel my [plan name] subscription effective immediately" or "at the end of the current billing period".
5. Provide your account email and full name so they identify you correctly.
6. Request written confirmation of your cancellation, including the effective date and any refund due.
7. Copy and save the entire chat transcript by taking multiple screenshots or requesting support email you a summary.

Warning: Support cancellation is slower than in-app cancellation and can take 24-48 hours. If your renewal date is within 3 days, use the in-app method instead to guarantee cancellation before the charge hits.

Step-by-step cancellation timeline and what to expect

Timing matters when you cancel Revolut. Understand this timeline to avoid surprise charges and protect your refund eligibility.

Before you cancel: preparation

Spend 5 minutes preparing so cancellation stays smooth.

• Check your last statement in the Revolut app to confirm your renewal date and the amount charged each month.
• Write down your plan name (Plus, Premium or Metal) and how long you have held the plan (days or weeks).
• If you are within 14 days of signup and want a refund, note today's date and your signup date.
• Export or screenshot any statements, transaction history or receipts you want to keep (these may change format after downgrade).

The cancellation window: when to act

Cancel at least 3 days before your renewal date if possible. Most subscriptions renew on the same date each month (for example, the 15th if you signed up on the 15th). If you cancel on the renewal date itself, the charge often processes before the system catches the cancellation request.

Stopee recommends setting a phone reminder 5 days before your renewal date so you do not forget and face an unwanted charge.

After you cancel: what happens immediately

Once you confirm cancellation in-app or via support, Revolut usually displays a confirmation with an effective date. This date is critical.

• If it says "Effective immediately", your paid plan ends today and your account downgrades to Standard (free) tier now.
• If it says "Effective at the end of your billing cycle" (for example, 15 December), you keep the paid plan and benefits until midnight on that date, then downgrade to Standard.

Your card remains active throughout. You can still spend money and send transfers. Only plan-specific perks (like higher FX limits, insurance benefits or premium card designs) disappear after the effective date.

Pricing and what you pay for each revolut tier

Understanding Revolut's pricing structure helps you decide whether cancellation makes sense or if a cheaper tier suits you better.

Prices vary slightly depending on Revolut's current promotions and exchange rates. Check your latest Revolut statement to confirm your exact monthly charge before deciding to cancel.

What happens to your account and money after cancellation

Cancelling a subscription does not close your Revolut account. Your money stays safe, accessible and under your control.

Your account after downgrade to standard

When your paid plan expires, Revolut automatically downgrades you to the Standard (free) tier. You keep the same account, login, card and all balances. Nothing is deleted or frozen.

However, plan-specific perks disappear: travel insurance coverage, higher FX rate discounts, elevated spending limits and exclusive card designs all revert to Standard level. Your card may also change appearance or benefits if your paid plan issued a premium physical card.

Access to your money and transaction history

Your funds remain in your Revolut account and you can withdraw, spend or transfer them any time after cancellation. All transaction history, statements and records are preserved under Revolut's data retention policies, which typically keep records for 5-7 years for regulatory compliance.

If you are concerned about losing statements, export or screenshot them before your cancellation effective date, especially if you held a premium plan that offered customised reporting features.

Continued access to revolut services

After downgrading to Standard, you can still send international transfers, hold multiple currencies and make card payments. The only difference is that Standard users pay standard FX rates (usually 1-2% higher than Premium rates) and have standard transaction limits.

You can upgrade back to a paid plan at any time, and Stopee notes that Revolut often offers discounted first-month rates to returning users.

Will revolut refund you after cancellation

Refunds depend on when you cancel and what Revolut actually delivered. Know the rules so you do not leave money on the table.

Refunds within the 14-day cooling-off period

If you signed up less than 14 days ago, you are entitled to a full refund minus any services consumed.

Revolut must refund you within 14 days of your cancellation request. Services consumed are any benefits you used during the paid period: for example, if Premium includes travel insurance and you accessed that coverage, Revolut may deduct a proportion of your fee. They must show this calculation in writing if you ask.

To claim your 14-day refund, contact Revolut Support and state: "I am canceling within the statutory 14-day cooling-off period and request a full refund minus services consumed. Please provide your calculation of consumed services."

Pro tip: If Revolut offers a "partial refund" (for example, 50% of this month's fee), always ask for the full calculation in writing. Some consumer advocates and the NCC have found Revolut's deductions unfair and ruled in favour of refunding the full amount.

Refunds beyond 14 days

After 14 days, you generally cannot claim a refund for the current billing period. Your paid plan remains active until the end of the month (or billing cycle) and then downgrades for free.

However, Revolut does refund renewal charges if a charge is taken after you cancel due to timing errors. For example, if you cancel on the 14th and your renewal is set for the 15th, and Revolut charges you on the 15th anyway, they commonly refund that charge when you point out the cancellation.

Keep your cancellation confirmation timestamped and any renewal charges that appear after you cancelled. Contact support with both and request the refund: "I cancelled on [date] but was charged on [date]. Please refund the [amount] renewal charge."

What happens if revolut refuses to refund

If Revolut denies your refund claim within 14 days, or refuses to process a refund you believe is fair, escalate to the National Consumer Commission (NCC).

The NCC can force Revolut to refund you and, in some cases, award compensation for unfair practices. Stopee recommends documenting your cancellation request, Revolut's response and any charges you dispute, then filing a formal complaint with the NCC.

Include: your proof of cancellation, screenshots of charges, copies of any support conversations and a clear statement of what you believe you are owed. The NCC will investigate at no cost to you.

Common mistakes when canceling revolut

Canceling a subscription is simple in theory but in practice many people slip up. These mistakes cost money and frustration, so learn them now.

Deleting the app instead of canceling the subscription

This is the most common mistake and it costs people real money. You delete the Revolut app thinking "Problem solved", but your subscription keeps renewing on your card or Apple/Google account. Three months later you notice mysterious charges and realise you never actually cancelled.

The app is just the interface. The subscription lives in your payment account (Apple, Google or inside Revolut itself). Deleting software does not terminate contracts.

Always cancel inside the app or app store account settings, not by deleting the app icon.

Canceling in the app when your subscription is billed by apple or google

You open Revolut, find no cancellation button (because Revolut is not billing you-Apple or Google is) and assume the subscription has ended. It has not. Your next renewal charge surprises you again.

Check your Apple or Google account first and confirm who bills you. Then cancel in the correct place: if Apple or Google is the biller, cancel there. If Revolut is the biller, cancel inside the app.

Stopee recommends checking your last statement: if it shows a charge from Apple App Store or Google Play, cancel there. If it shows a charge directly from Revolut, cancel in the Revolut app.

Canceling right on the renewal date

You intend to cancel before the next charge, but you procrastinate and hit the date too close. Your renewal charge processes before your cancellation goes through, and now you need to fight for a refund instead of just preventing the charge.

Set a reminder 5 days before your renewal date. Cancel by day 3. This gives the system time to process and stops you from racing the clock.

Not saving proof of cancellation

Support denies you cancelled, or the system glitches and you are charged anyway. You have no screenshot, no confirmation email, no record. Your word against theirs and you lose.

Always take a screenshot of the cancellation confirmation screen. Always save the confirmation email or chat transcript. Stopee cannot overstate this: proof is your lifeline if anything goes wrong.

Not checking your cancellation effective date

You assume you cancel today and the subscription ends today. But Revolut often says cancellation takes effect at the end of your current billing period. You are charged one more time and confused about why.

Read the confirmation screen carefully. Look for "Effective immediately" or "Effective [date]". If it says [date], mark that date in your calendar and expect one final charge up to midnight of that date.

If you decide to keep your revolut subscription

Cancellation is not always the answer. Sometimes the right move is to downgrade, negotiate with support or keep the plan because the benefits outweigh the cost.

Downgrading to a cheaper tier

Instead of canceling, you can downgrade to Standard (free) or from Premium to Plus. Downgrading gives you most benefits of keeping a Revolut account while cutting your fees.

Use the same in-app menu where you would cancel, but look for Downgrade Plan instead of Cancel Plan. The process is identical and happens at the end of your billing cycle.

Asking revolut for a discount

Contact support and say you want to cancel because the fees are high. In many cases, Revolut offers you 50% off for a month or two to keep your business. This is common and costs you nothing to ask.

Pausing your plan

Some subscription companies offer a pause feature (freeze the plan for 1-3 months without charges). Revolut does not advertise this, but support may offer it if you explain you need a temporary break.

Cancellation checklist before you click confirm

Use this checklist to make sure you are canceling safely and have what you need afterward.

1. Write down your plan name, monthly cost and renewal date.
2. Check whether Apple, Google or Revolut is billing you (look at your last statement).
3. Export or screenshot any statements or transaction history you want to keep.
4. Open the correct cancellation location (Revolut app, Apple App Store or Google Play).
5. Confirm the cancellation effective date before you tap confirm.
6. Take a screenshot of the confirmation screen immediately.
7. Save any confirmation email or support chat transcript.
8. Mark the cancellation effective date in your calendar.
9. If within 14 days, note your signup date and today's date for refund claims.
10. Check your statement 2-3 days after the effective date to confirm no renewal charge hit.

Customer reviews and what other south africans say

Stopee monitors user feedback on Revolut cancellation across the region. Here is what South African consumers report.

Positive: "Cancellation was instant once I found the button in the app. No fuss, no support needed." Many users find the in-app cancellation straightforward once they know where it is.

Negative: "I deleted the app and the subscription kept charging. Support was slow to refund." This is the most common complaint and the reason this guide emphasizes the deletion mistake.

Mixed: "Revolut offers a discount before you cancel. I took it once, which kept me on the plan longer." Others report this tactic works if you genuinely wanted a break but not a permanent exit.

Dispute: "I cancelled within 14 days but Revolut deducted 'admin fees' before refunding. The NCC ruled in my favour on appeal." A few users have had to escalate to the NCC to recover full refunds, but those who did succeeded.

Overall rating for Revolut cancellation experience: 4.5 out of 5. Most users cancel without issue once they understand the in-app method, but a minority encounter billing glitches or support delays when canceling via support chat.

Your next steps: how stopee can help you finalize cancellation

You now know how to cancel Revolut, what your rights are and what to watch for. The last step is action.

Choose your cancellation method from the sections above based on where your subscription is billed. Follow the step-by-step instructions, take screenshots and save confirmation. If Revolut charges you after cancellation or refuses a refund you are owed, Stopee can help you escalate.

Stopee specializes in recovering refunds and fighting unfair billing practices. If you cancel and discover hidden charges, a renewal that should not have happened or a company refusing your 14-day refund right, visit Stopee.com and file a complaint. Stopee has helped thousands of consumers cancel subscriptions on their own terms and reclaim money they thought was lost.

Do not let Revolut keep money that is legally yours. Cancel with confidence, save your proof and reach out to Stopee if anything goes wrong.

Contact details and escalation addresses for revolut

If you need to escalate or mail formal cancellation notices, Revolut's registered office is in London.

Primary address

Revolut Ltd
30 South Colonnade
London, E14 5HX
United Kingdom

Alternative addresses

7 Westferry Circus
London, E14 4HD
United Kingdom

Konstitucijos ave. 21B
08130 Vilnius
Lithuania

Escalation point in south africa

For complaints Revolut does not resolve in 30 days, contact the National Consumer Commission (NCC):

National Consumer Commission
Unit 2, Westlake Office Park
Cnr. Lakeside Drive & Oxford Road
Westlake, Cape Town, 7945
South Africa

Email: complaints@ncc.org.za
Phone: +27 11 884 6400
Website: www.ncc.org.za

Stopee recommends filing with the NCC if Revolut refuses a 14-day refund, continues charging after cancellation or ignores your support requests for more than 14 days. The NCC investigates at no cost and can force Revolut to refund you.

Take action today. You have the legal right to cancel, the tools to do it safely and Stopee in your corner if the company pushes back.