Revolut scores 4/5 for encryption, 3/5 for privacy, and 3/5 for track record. Overall safety score: 4/5.

What are the privacy concerns with Revolut?

Revolut security review covering banking license, encryption, and fintech security. Is Revolut safe for your money?

Has Revolut been hacked before?

See our detailed analysis of Revolut's past security incidents and track record at The Opt-Out Project.

Is Revolut Safe? Security Review

Name: Is Revolut Safe? Security Review
Item: Revolut
Rating: 4
Author: The Opt-Out Project

Category: Payment App Company: Revolut Ltd Reviewed February 10, 2026

4/5

Overall Safety Score

★ ★ ★ ★ ★

Verdict: Revolut offers strong security features and is increasingly well-regulated with banking licenses. Past internal culture concerns have mostly been addressed as the company matures.

Revolut is a global fintech company offering banking, currency exchange, crypto trading, and stock trading. It has obtained banking licenses in multiple jurisdictions and serves over 35 million customers worldwide.

Security Ratings Breakdown

Category	Score	Rating
Encryption	4/5
Privacy	3/5
Track Record	3/5

Security Features

Disposable virtual cards for online shopping
Biometric authentication
Location-based card security
Instant card freeze and unfreeze
Transaction notifications in real time
Banking license in UK and EU (deposit protection)

Privacy Concerns

Collects extensive financial and behavioral data
In-app analytics track spending patterns
Crypto and stock trading data collected
Marketing based on transaction behavior

Past Security Incidents

In 2019, reports surfaced about Revolut's compliance team being understaffed, with sanctions screening systems temporarily disabled
Internal whistleblower complaints about company culture and compliance practices in 2018-2019
A 2022 cyberattack exposed personal data of approximately 50,000 customers through social engineering of an employee

How to Stay Safe Using Revolut

Use disposable virtual cards for online purchases
Enable location-based security
Set up biometric authentication
Use transaction notifications
Don't store more funds than needed

Safer Alternatives

Wise (international transfers)
N26 (European digital bank)
Monzo (UK digital bank)

🛡️

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Last updated: February 10, 2026