Revolut Guide: Mobile Experience Explained

Getting Started with Revolut on Mobile

Revolut has rapidly gained popularity across the UK with over 8 million users as of 2025. Its mobile-first approach makes it especially appealing to those seeking fast, intuitive, and borderless banking. To start, users need to download the app from the Apple App Store or Google Play Store. The app is lightweight, occupying about 250MB of space, and is compatible with iOS 13+ and Android 8.0+.

Revolut caters to both casual users and digital finance enthusiasts. With minimal barriers to entry, anyone aged 18 and over with a valid UK phone number can register. Its free Standard plan allows for essential features, while the Plus, Premium, and Metal tiers (ranging from £2.99 to £12.99/month) unlock additional benefits like insurance and priority support.

How to download and install the app

Simply visit your device’s app store and search for “Revolut.” Tap ‘Install’ and wait for the app to download. The installation typically takes under 3 minutes on a stable Wi-Fi connection. Once installed, open the app to begin registration.

Be aware of fake https://nongamstop-sites.com/revolut-casinos/ apps. Verify the developer is “Revolut Ltd” and read recent reviews. Over 2 million users have rated it on Google Play with an average of 4.5 stars, showing wide user satisfaction.

Setting up your Revolut account

After installation, users are prompted to enter their mobile number, receive an SMS code, and set up a passcode. Basic information like full name, date of birth, and address are required for compliance purposes.

You can then select your desired plan. Over 60% of UK users opt for the free Standard plan initially, with many upgrading as they discover additional needs such as travel insurance or crypto trading features.

Initial security and verification steps

Verification involves uploading a government-issued ID and taking a selfie. Revolut uses AI to match the photo to the ID, ensuring identity protection. Most verifications complete within 5–10 minutes.

This process ensures compliance with UK KYC (Know Your Customer) regulations. Once verified, users gain access to all basic functions, including money transfers, budgeting, and foreign exchange.

Navigating the Revolut Interface

Revolut’s mobile interface is designed for intuitive navigation. Its minimalist aesthetic helps users access core features like accounts, cards, analytics, and crypto in just one or two taps. The home dashboard presents balances and recent transactions at a glance.

Icons and swipe gestures enhance usability. For example, swiping left shows exchange and vaults, while right reveals offers and support tools. This interface works well for both new users and seasoned fintech users alike.

Dashboard overview

The dashboard showcases your main account, linked cards, savings vaults, and investment portfolios. Users can switch between GBP, EUR, USD, and up to 30 currencies with a single tap.

Quick links to “Top-up,” “Send,” and “Exchange” make navigation fast. Weekly spending summaries and savings goals are also visible here, keeping financial health front and centre.

Customising your layout and settings

Users can rearrange tiles on the dashboard to prioritise features they use most. For instance, frequent travellers might place “Currency Exchange” and “Travel Insurance” at the top.

Dark mode, font resizing, and home screen shortcuts can be activated under Settings > Appearance. These features enhance usability, particularly in low-light environments or for users with visual impairments.

Accessibility and language options

Revolut supports over 24 languages including English (UK), French, and Polish. Users can change language settings under Profile > Settings > Language. The app also supports screen readers like TalkBack and VoiceOver.

This commitment to accessibility ensures inclusivity, especially for visually impaired or non-native English speakers across the UK. Revolut also complies with WCAG 2.1 accessibility standards.

Managing Your Money on the Go

Revolut allows seamless money management with real-time updates. Whether you’re adding funds from a UK debit card or withdrawing from an ATM abroad, transactions are reflected instantly in the app.

Unlike traditional banks with limited app functionality, Revolut integrates savings, investment, and budgeting into a single mobile platform. It removes the need to toggle between multiple apps.

Adding and withdrawing funds

You can top up your Revolut account via bank transfer, debit card, or Apple Pay/Google Pay. Most top-ups under £1,000 are instant, while bank transfers take 1–3 business days.

Withdrawals can be made from any ATM worldwide. UK users enjoy £200/month in free ATM withdrawals on the Standard plan. Beyond this, a 2% fee applies.

Viewing transactions and account balance

Every transaction appears with time, merchant name, and location. You can filter by category—like groceries, entertainment, or bills—for a clearer financial picture.

Balances update in real-time. If you’ve made a purchase abroad, the conversion rate is applied instantly and shown in both currencies for full transparency.

Creating and managing vaults

Vaults help users set aside money for specific goals—like holidays or emergency funds. You can round up purchases to the nearest pound and stash the difference into a vault.

Users can create Group Vaults to save collaboratively. This is particularly useful for couples or roommates saving for shared expenses like rent or travel.

Making Payments and Transfers

Sending money through Revolut is quick and flexible. You can pay anyone in your contact list, scan a QR code, or even send via a payment link. The app supports over 140 currencies, making international transfers easy.

In 2024, Revolut processed over £4 billion in peer-to-peer transfers in the UK alone, demonstrating its massive adoption and efficiency for daily use.

Sending money to contacts and bank accounts

Use your phone contacts or enter an IBAN to transfer funds. Domestic transfers are instant and free. International transfers may incur fees depending on the currency and recipient bank.

You can also schedule transfers for future dates. This feature is ideal for monthly rent payments or subscription services.

Paying via QR code or link

Merchants and individuals can generate QR codes for quick payments. Just scan and confirm to complete the transaction. No need to share account details.

Payment links are useful for freelancers and online sellers. Share the link via text or email to receive payments directly into your Revolut account.

Setting up recurring payments

You can automate bills, subscriptions, or rent using the recurring payment feature. This prevents missed payments and late fees.

Modify or cancel recurring payments anytime under “Scheduled” in the Payments tab. This flexibility suits both regular users and those with variable income.

Currency Exchange and International Use

Revolut allows users to hold, exchange, and transfer 30+ currencies at real-time exchange rates. This is particularly beneficial for frequent travellers or those making international purchases.

The app avoids the usual 2–3% margin most banks impose. For Premium and Metal users, exchanges up to £10,000/month are completely free of markup.

Real-time exchange rates and currency conversion

Revolut updates exchange rates every 15 seconds using interbank data. This gives users accurate and competitive rates when exchanging GBP to USD, EUR, etc.

Here’s a typical markup comparison:

Provider	Exchange Markup
Revolut (Premium)	0%
HSBC	2.75%
Barclays	2.99%

Using your Revolut card abroad

Your Revolut card automatically converts currency at the best rate when used abroad. You can spend in over 150 countries without worrying about manual conversions.

UK users spent over £600 million abroad using Revolut in summer 2024, a testament to its popularity for international use.

Managing foreign exchange fees

Standard users can exchange up to £1,000/month fee-free on weekdays. Weekend exchanges incur a small 1% fee due to market closures.

Upgrade to Premium or Metal to avoid these charges. It’s ideal for those who regularly transact in foreign currencies.

Security Features on the Mobile App

Security is a cornerstone of the Revolut mobile experience. From biometric login to real-time fraud alerts, Revolut provides robust features to protect user funds.

The platform complies with FCA and PSD2 regulations, offering peace of mind to UK-based users. In 2024, less than 0.01% of users reported fraud, thanks to proactive systems.

Two-factor authentication and biometrics

Users can enable 2FA through SMS or authenticator apps. Face ID and fingerprint login options add another layer of protection.

Revolut uses device binding, meaning the app won’t work if cloned or sideloaded on another device. This makes account takeovers nearly impossible.

Card freezing and unfreezing

Lost your card? Freeze it instantly with one tap. Unfreeze if found, or request a new card via the app.

This instant control saves time and prevents fraudulent use, especially while travelling or shopping online.

Custom spending controls and alerts

Set monthly or category-specific spending limits. Get instant notifications for every transaction, helping detect any suspicious activity.

Parents can also control child accounts using similar features. These controls are crucial for budgeting and financial discipline.

Budgeting and Analytics Tools

Revolut’s analytics tools help users track spending, set budgets, and visualise financial habits. It’s ideal for users aiming to improve money management or reduce debt.

In 2024, 72% of UK users reported improved financial awareness using Revolut’s tools compared to traditional banking apps.

Setting up budgets and categories

Users can allocate budgets by category—groceries, transport, shopping—and get alerts when nearing limits. Set these under the “Analytics” tab.

This helps users curb overspending and plan better. Monthly budget reviews are generated automatically for easy tracking.

Spending insights and notifications

Charts and graphs provide insights into spending trends. Compare current vs previous months, or analyse categories over time.

Notifications nudge users when they spend unusually or approach set limits. These habits foster smarter financial decisions.

Monthly and annual financial summaries

Receive a full breakdown of spending and income each month or year. These summaries help prepare for tax declarations or financial planning.

Exportable PDFs and CSVs also assist freelancers and small businesses needing to track expenses accurately.

Integrating with Other Services

Revolut supports integration with major fintech platforms. Users can link Apple Pay, Google Pay, and external banks for a unified view of their finances.

This streamlines financial management by avoiding multiple logins and enhances visibility into overall net worth.

Connecting to Apple Pay and Google Pay

Link your Revolut card in seconds via the app. Most UK retailers now accept contactless payments, making this feature highly practical.

Apple Pay users increased by 17% year-on-year in 2024, reflecting the growing preference for mobile wallets.

Using Open Banking and linking external accounts

Open Banking enables Revolut to show balances and transactions from HSBC, Lloyds, and other UK banks within its app.

This gives users a consolidated financial snapshot without switching between platforms.

Partner services and in-app offers

Revolut users enjoy partner offers like discounts on Deliveroo, Booking.com, and Spotify. These rotate monthly and are accessible under the “Lifestyle” tab.

Premium and Metal members get enhanced cashback rates up to 1.5% on selected partners.

Customer Support and Troubleshooting

Support is accessible 24/7 via the in-app chat. AI bots resolve common issues instantly, while live agents typically respond within 10 minutes for Premium users.

Help Centre articles cover over 200 topics, making it easy for users to self-diagnose and resolve issues.

Using the in-app chat and help centre

Tap “Help” to access chat or browse FAQs. Queries about payments, account access, and card issues are addressed swiftly.

Live chat is available in English, Polish, and French. Response times vary by plan—Standard users wait up to 30 minutes.

Reporting lost or stolen cards

Freeze the card immediately, then order a replacement via the app. Cards arrive within 3–5 business days across the UK.

Emergency virtual cards are issued instantly, ensuring minimal disruption to your finances.

Common issues and quick fixes

Frequent problems include login errors, failed transactions, and card delivery delays. The Help Centre suggests step-by-step solutions for each.

For instance, if a payment is stuck, users are advised to wait 24 hours before contacting support—over 80% resolve automatically within this period.

Future Features and Updates

Revolut continues to innovate, with over 50 new features launched since 2023. These include investment portfolios, carbon tracking, and personalised loan offers.

Users can access beta tools via Revolut Labs, helping shape the future of digital banking in the UK.

Upcoming tools for mobile users

Expected in 2025: shared expense management, UK-specific tax support, and more customisable home screens. These features aim to serve freelancers and families better.

Push notifications will alert users of upcoming releases, ensuring you’re always in the loop.

How to participate in Revolut Labs and beta testing

Over 100,000 UK users are currently participating, indicating strong community engagement and influence.

Staying informed on app changes and improvements

Revolut posts update logs under “What’s New” in the app store. You can also enable newsletter emails for in-depth changelogs and user guides.

Staying updated ensures you maximise value from your account and adapt to new features efficiently.