Paid Plan Terms

This page consists of four Parts:

Part I: Revolut Bank UAB German Branch Paid Plan Terms (German / Deutsch)

Part II: Revolut Bank UAB German Branch Paid Plan Terms (English courtesy translation)

Part III: Revolut Bank UAB Paid Plan Terms (English)

Part IV: Revolut Bank UAB Paid Plan Terms for Revolut Bank UAB customers who subscribed to a Paid Plan (including by upgrade or downgrade) as of 06 August 2024 or who signed up to RevPoints (English)

If you reside in Germany and have received an account with an IBAN starting with DE, you are a customer of the Revolut Bank UAB, Zweigniederlassung Deutschland (German Branch), otherwise you are a customer of Revolut Bank UAB. For customers of Revolut Bank UAB, Zweigniederlassung Deutschland, the German version of the Paid Plan Terms is binding and can be found in Part I. A courtesy translation into English can be found in Part II.

If you are a customer of Revolut Bank UAB, please scroll down to Part III or Part IV to see the terms relevant for you. For you, the English version of the Paid Plan Terms is binding. A courtesy translation into German can be found here.

Part I

Revolut Bank UAB, Zweigniederlassung Deutschland (German Branch)

Wenn du in Deutschland wohnst, dich ab dem 28. Mai 2024 bei Revolut angemeldet hast und eine IBAN erhalten hast, die mit DE beginnt, gilt diese Version unserer Bedingungen für dich ab dem 28. Januar 2026. Wenn du die vorherige Version dieser Bedingungen sehen möchtest, klicke bitte hier.

Wenn du dich vor diesem Datum bei Revolut angemeldet hast und/oder dein Konto keine IBAN hat, die mit DE beginnt, und du von uns über die Übertragung auf die deutsche Zweigniederlassung informiert wurdest, gilt die aktuelle Version dieser Bedingungen für dich ab dem Datum, an dem du die Übertragung abgeschlossen hast. Wenn du die bis dahin geltenden Bedingungen sehen möchtest, sieh dir bitte Teil III oder Teil IV an.

1. Warum sind diese Informationen wichtig?

Diese Informationen betreffen die zusätzlichen Dienstleistungen, die wir unseren Plus-, Premium-, Metal- und Ultra-Nutzern (jedes davon ist ein kostenpflichtiges Abo) anbieten. Sie enthalten auch andere wichtige Dinge, die du wissen musst.

Diese Geschäftsbedingungen für ein kostenpflichtiges Abo sind Teil des rechtsgültigen Vertrags (der “Vertrag”) zwischen dir und uns, auf den in den allgemeinen Geschäftsbedingungen für Privatkunden Bezug genommen wird. Bei Widersprüchen zwischen diesen Geschäftsbedingungen für ein kostenpflichtiges Abo und unseren allgemeinen Geschäftsbedingungen für Privatkunden haben diese Geschäftsbedingungen für ein kostenpflichtiges Abo Vorrang.

Du kannst jederzeit ein Exemplar dieser Geschäftsbedingungen für ein kostenpflichtiges Abo über die Revolut App oder bei einem unserer Kundenservice-Mitarbeiter anfordern.

Bitte lies diese Geschäftsbedingungen für ein kostenpflichtiges Abo sorgfältig durch.

Dein kostenpflichtiges Abo ist ein Abonnement. Weitere Einzelheiten über die Abonnementdauer und die Zahlungszyklen findest du in Abschnitt 11 dieser Geschäftsbedingungen für ein kostenpflichtiges Abo. Unsere Gebühren findest du in unserer Gebührenübersicht.

Wir können dein Recht, für dein Abonnement mehr als einmal innerhalb eines Zeitraums von 12 Monaten ein Upgrade oder Downgrade durchzuführen, einschränken.

2. Über uns

Wir sind die Revolut Bank UAB (Revolut Bank), eine von der Europäischen Zentralbank (EZB) zugelassene und von der EZB und der Bank von Litauen beaufsichtigte Bank. Unsere Firmennummer lautet 304580906.

In Deutschland sind wir über unsere Zweigniederlassung Revolut Bank UAB, Zweigniederlassung Deutschland tätig, die zudem von der Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) beaufsichtigt wird. Unsere Handelsregisternummer lautet HRB 249024 B.

In Bezug auf das Geschäft des Versicherungsvertriebs ist Revolut Insurance Europe UAB (Revolut Insurance Europe), Unternehmensnummer 305910164, bei der Bank of Lithuania auf der Liste der Versicherungsmaklerunternehmen registriert. Diese Liste findest du auf der Webseite der Bank of Lithuania.

Revolut Bank und Revolut Insurance Europe haben ihren eingetragenen Sitz in Konstitucijos ave. 21B, 08130 Vilnius, Republik Litauen.

Die Revolut Bank UAB, Zweigniederlassung Deutschland hat ihren Sitz in der FORA Linden Palais, Unter den Linden 40, 10117 Berlin, Deutschland.

Sofern in diesen Geschäftsbedingungen für ein kostenpflichtiges Abo nichts anderes angegeben ist, gelten die in diesen Bedingungen dargelegten Rechte und Pflichten für dich und die Revolut Bank (Revolut Bank UAB, Zweigniederlassung Deutschland).

3. Was sind die Dienstleistungen eines kostenpflichtiges Abos?

Was beinhalten die Revolut Plus-Dienstleistungen?

Plus-Nutzer profitieren von allen Dienstleistungen, die Inhabern eines Revolut Privatkontos mit einem Standard-Abo zur Verfügung stehen, sowie von folgenden Vorteilen:

• zwei kostenlose Revolut Plus Karten (und eine kostenlose Zusatzkarte pro Folgejahr);
• bis zu drei gleichzeitig aktive physische Revolut Karten;
• kostenlose Abhebung am Geldautomaten in Höhe von 200 € pro Monat;
• Zugriff auf bis zu 2 Revolut - Kids & Teens Konten und uneingeschränkter Zugriff auf Revolut - Kids & Teens Funktionen;
• Zugriff auf die Käuferschutz-, Rückerstattungssschutz- und Ticketstornierungsversicherungen für Einkäufe, die mit deinem Revolut Konto durchgeführt wurden; und
• vorrangiger Kundenservice über die Revolut App.

Was beinhalten die Revolut Premium-Dienstleistungen?

Premium-Nutzer profitieren von allen oben genannten Dienstleistungen, die Standard- und Plus-Nutzern zur Verfügung stehen, sowie von folgenden Vorteilen:

• zwei kostenlose Revolut Premium Karten (und eine kostenlose Zusatzkarte pro Folgejahr);
• kostenlose Abhebung am Geldautomaten in Höhe von 400 € pro Monat;
• die Möglichkeit, kostengünstige Lounge-Pässe zu kaufen;
• Abo-Partnerschaften (Plan Partnerships); und
• Zugriff auf Kryptowährung und Edelmetalle zu besseren Preisen als Standard- und Plus-Nutzer.

Was beinhalten die Revolut Metal-Dienstleistungen?

Metal-Nutzer profitieren von allen oben genannten Dienstleistungen, die Standard-, Plus- und Premium-Nutzern zur Verfügung stehen, und von folgenden Vorteilen:

• eine kostenlose Revolut Metal Karte aus Edelstahl mit kontaktloser Bezahlfunktion;
• kostenlose Abhebung am Geldautomaten in Höhe von 800 € pro Monat;
• mehr Abo-Partnerschaften als Premium-Nutzer;

• Reiseversicherung;
• Zugriff auf bis zu 5 Revolut - Kids & Teens Konten; und

• alle anderen Vorteile, die wir von Zeit zu Zeit hinzufügen.

Was beinhalten die Revolut Ultra-Dienstleistungen?

Ultra-Nutzer profitieren von allen oben genannten Dienstleistungen, die Standard-, Plus-, Premium- und Metal-Nutzern zur Verfügung stehen, und von folgenden Vorteilen:

• eine kostenlose kontaktlose Revolut Ultra Karte;
• reduzierte Gebühren für den Aktienhandel;
• zusätzliche Reise- und Veranstaltungsstornierungsdeckung (ausgenommen Nutzer in den in diesen FAQ aufgeführten Ländern);
• kostenlose Lounge-Pässe für den persönlichen Gebrauch und die Möglichkeit, Pässe für deine Gäste zu kaufen;
• kostenlose Abhebung am Geldautomaten in Höhe von 2.000 € pro Monat;
• In-App-Anrufe (nur auf Englisch); und
• alle anderen Vorteile, die wir von Zeit zu Zeit hinzufügen.

4. Was sind die Karten für ein kostenpflichtiges Abo?

Revolut Plus Karte

Wenn du zum Plus-Nutzer wirst, kannst du eine Revolut Plus Karte bestellen. Wir stellen dir auf Nachfrage auch eine zusätzliche Plus Karte aus. Du kannst immer noch deine anderen Revolut Karten verwenden.

Wir können Gebühren für alle von uns ausgestellten Plus Karten erheben, die über deinem Freikontingent liegen.

Revolut Premium Karte

Wenn du Premium-Nutzer wirst, kannst du eine Revolut Premium Karte in exklusivem Design bestellen. Wir stellen dir auf Wunsch auch eine zusätzliche Premium Karte aus. Du kannst immer noch deine anderen Revolut Karten verwenden.

Wir können Gebühren für alle von uns ausgestellten Premium Karten erheben, die über deinem Freikontingent liegen.

Revolut Metal Karte

Wenn du ein Upgrade auf Metal durchführst, erhältst du von uns eine Revolut Metal Karte, die nur für Metal-Nutzer verfügbar ist. Du kannst immer nur eine Metal Karte in Gebrauch haben. Du kannst immer noch deine anderen Revolut Karten verwenden.

Revolut Ultra Karte

Wenn du ein Upgrade auf Ultra durchführst, erhältst du von uns eine Revolut Ultra Karte, die nur für Ultra-Nutzer verfügbar ist. Du kannst immer noch deine anderen Revolut Karten verwenden.

Versicherung

5. Reiseversicherung im Rahmen deines Metal- oder Ultra-Abos

Dieser Vorteil ist auch im Rahmen deines Premium-Abonnements bis zum 31. Dezember 2025 verfügbar.

Die in diesem Abschnitt dargelegten Rechte und Pflichten gelten für dich als Begünstigten der Gruppenpolice, die von Revolut Bank, Revolut Bank als Gruppenpoliceninhaber und Revolut Insurance Europe als Versicherungsmakler, der die Gruppenpolice vertreibt, gehalten wird. Dieser Abschnitt beschreibt:

(1) wie Revolut Insurance Europe eine kollektive Reiseversicherung für Revolut Bank abschließt, um Reiseversicherungsleistungen als Teil deines Abonnements anbieten zu können; und

(2) wie die Sachversicherungsgesellschaft Steadfast Insurance Partners Limited (der Versicherer) und Cover Genius B.V. (der Policenverwalter) dir gegenüber für die Bearbeitung von Ansprüchen verantwortlich sind, die du in Bezug auf deine Reiseversicherungsleistungen stellst. Außerdem sind sie für alle Zahlungen an dich nach einem erfolgreichen Anspruch verantwortlich (über https://www.xcover.com/en/login). Deren Firmenregistrierungsdaten lauten wie folgt:

• Steadfast Insurance Partners Limited – (Malta Handelsregisternummer C 55905), Level 3, Gasan Centre, Triq il- Merghat, Zone 1, Central Business District, Birkirkara, CBD 1020, Malta. Steadfast Insurance Partners Limited ist gemäß dem Insurance Business Act von 1998 der Gesetze von Malta zur Ausübung allgemeiner Geschäftstätigkeiten zugelassen und wird von der Malta Financial Services Authority, Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta reguliert (“Steadfast”).
• Cover Genius Europe B.V. mit Sitz in De Vijzel, 3rd Floor, Vijzelstraat 20, 1017HK Amsterdam, Niederlande, zugelassen und reguliert durch die niederländische Behörde für Finanzmärkte (AFM) unter der Referenznummer 12046177 („Cover Genius“).

Wir wissen, dass bei der Vorfreude auf eine Reise das Abschließen einer Versicherung das Letzte ist, worauf man Lust hat. Deshalb kümmern wir von Revolut uns für dich um Reiseversicherungsleistungen. Revolut Bank hat Revolut Insurance Europe – ein Versicherungsmaklerunternehmen, das als Versicherungsvermittler tätig ist – beauftragt, die kollektive Reiseversicherung im Namen von Revolut Bank abzuschließen. Revolut Insurance Europe hat die Reiseversicherung des Drittreiseversicherers Steadfast über den Service von Cover Genius vermittelt. Für diese Vereinbarung zahlt Revolut Bank eine Servicegebühr an Revolut Insurance Europe.

Revolut Insurance Europe und die Revolut Bank kontrollieren oder besitzen Steadfast oder Cover Genius in keiner Weise, und Steadfast und Cover Genius kontrollieren oder besitzen uns nicht.

Obwohl wir vertraglich verpflichtet sind, deine Reiseversicherung mit Steadfast and Cover Genius abzuschließen, handelt Revolut Insurance Europe in deinem Namen und nicht im Namen des Versicherers. Wir beraten dich nicht oder geben eine Empfehlung, ob die Leistungen der Reiseversicherung für dich geeignet sind. Wir stellen dir Informationen zu unserer Rolle bei der Vermittlung deiner Versicherung sowie Links zu wichtigen Dokumenten deines Versicherungsanbieters zur Verfügung. Bitte lies diese sorgfältig durch, um sicherzustellen, dass die Versicherungsleistungen und der Versicherungsschutz deinen Bedürfnissen entsprechen, und mache dich mit den wichtigen Bedingungen vertraut, einschließlich der Leistungen, die abgedeckt sind und derjenigen, die nicht abgedeckt sind, sowie der allgemeinen Ausschlüsse (insbesondere in Bezug auf bereits bestehende Erkrankungen und die Altersvoraussetzungen für die Versicherung). Die Versicherungspolice und das Informationsblatt zu Versicherungsprodukten (IPID) für deinen Tarif findest du hier:

• Premium-Versicherungspolice und Informationsblatt zu Versicherungsprodukten;
• Metal-Versicherungspolice und Informationsblatt zu Versicherungsprodukten;
• Ultra-Versicherungspolice und Informationsblatt zu Versicherungsprodukten.

Wenn du ein Ultra-Nutzer bist, beachte bitte, dass die Stornierung deiner Reise im Rahmen deiner Reise- und Veranstaltungsstornoversicherung separat abgedeckt ist, wie unten näher beschrieben.

Du kannst deine Versicherungsleistungen nicht kündigen, ohne gleichzeitig dein Metal- oder Ultra-Abo zu kündigen.

Berechtigt für Reiseversicherungsleistungen sind Personen, die älter als 18 sind und Ihre Revolut Karte für die Bezahlung der Reisebuchung verwendet haben. Ausführlichere Informationen zu deinen Versicherungsleistungen findest du im Wortlaut der Police und der IPID. Bitte lies sie dir sorgfältig durch. Eine Kopie dieser Dokumente findest du in der Revolut App. Der Wortlaut der Police enthält auch andere Informationen, die für dich relevant sind, z. B. die Rechte des Versicherers, wenn du dich nicht an die Bedingungen für Leistungsempfänger hältst, Informationen über Schadensfälle, Informationen darüber, wie der Versicherer deine personenbezogenen Daten verarbeitet, geltendes Recht und Ähnliches.

Die fortlaufende Gewährung, der Umfang und die Bedingungen der Reiseversicherungsleistungen können von uns oder dem Reiseversicherer jederzeit geändert oder aufgehoben werden. Soweit es uns möglich ist, werden wir dich im Voraus über nachteilige Änderungen oder die Stornierung der Versicherungsleistungen informieren.

Wenn du die Bedingungen für die Versicherungsleistungen nicht erfüllst, ändert dies nichts an den Gebühren, die du für das Metal- oder Ultra-Abo zahlst.

6. Beschwerden und Ansprüche die Reiseversicherung betreffend

Falls du unzufrieden damit bist, wie deine Versicherung abgeschlossen wurde, melde dich bitte über die Revolut App. Auf diesem Weg können Probleme in der Regel schnell gelöst werden. Einzelheiten zur Bearbeitung von Beschwerden findest du in den Versicherungsbedingungen.

Beschwerden über die Reiseversicherung

Wenn du eine Beschwerde im Zusammenhang mit den Leistungen der Reiseversicherung einreichen möchtest, wende dich bitte direkt an Cover Genius.

Wie das geht, erfährst du im Versicherungsabschnitt der Revolut App. Cover Genius wird deine Beschwerde bearbeiten und mit dir auf Englisch kommunizieren, es sei denn, sie teilen dir etwas anderes mit. Wenn du eine Beschwerde an uns schickst, leiten wir sie an Cover Genius weiter, ohne sie zu bearbeiten.

So machst du einen Anspruch in Bezug auf deine Reiseversicherungsleistungen geltend

Wenn du einen Anspruch geltend machen möchtest, wende dich bitte direkt an Cover Genius (firmierend als „XCover“). Wie das geht, erfährst du im Versicherungsabschnitt der Revolut App. XCover bearbeitet deinen Anspruch und kommuniziert mit dir auf Englisch, es sei denn, sie teilen dir etwas anderes mit.

7. Käufer-, Rückerstattungs- und Ticketstornierungsversicherung als Teil deines kostenpflichtigen Abos

Die in diesem Abschnitt aufgeführten Rechte und Pflichten gelten für dich und für Revolut Insurance Europe. Dieser Abschnitt beschreibt:

• wie Revolut Insurance Europe den Käuferschutz, den Rückerstattungsschutz und die Ticketstornierungsversicherung im Rahmen deines Abonnements bei der Revolut Bank vermittelt und an dich weitergibt; und
• wie ein von unserem Versicherungspartner QOVER SA beauftragter Versicherungsvermittler, der bei der Crossroads Bank for Enterprises unter der Nummer 0650.939.878 (RLE Brüssel) und bei der FSMA als ungebundener Versicherungsvertreter unter der Nummer 0650.939.878 registriert ist (“Qover”), das Produkt verwaltet und für die Bearbeitung aller Ansprüche, die du im Rahmen deines Käuferschutzes, deines Rückerstattungsschutzes und deiner Ticketstornierungsversicherung geltend machst, sowie für alle Zahlungen an dich nach einem erfolgreichen Anspruch verantwortlich ist.

Wir wissen, wenn du dich darauf freust, ein neues Handy, einen Laptop oder Tickets für dein Lieblingskonzert zu kaufen, ist das Letzte, was du tun willst, eine Versicherung abzuschließen. Deshalb haben wir für dich eine Kaufschutz-, eine Rückerstattungs- und eine Ticketstornierungsversicherung in das Abo aufgenommen, die dir je nach Artikel, den du mit deiner Revolut Karte kaufst, einen bestimmten Schutz bieten. Revolut Insurance Europe wird dir keine Beratung oder Empfehlungen zur Eignung dieser Versicherung für dich geben. Bitte stelle sicher, dass die Versicherung für dich geeignet ist. Lies hierfür bitte das Informationsblatt zu Versicherungsprodukten (Insurance Product Information Document - IPID), die Versicherungsbestätigung und die allgemeinen Geschäftsbedingungen der Hauptpolice für die Käuferschutz-, Rückerstattungsschutz- und Ticketstornierungsversicherung (Police) und achte dabei darauf, was abgedeckt ist und was nicht.

Revolut Insurance Europe arbeitet mit den folgenden Versicherungsanbietern zusammen, um den Käuferschutz, den Rückerstattungsschutz und die Ticketstornierungsversicherung in dein kostenpflichtiges Abo aufnehmen zu können:

• Für Kunden in allen EWR-Ländern: Chubb European Group SE ist ein Nicht-Lebensversicherungsunternehmen, das den Bestimmungen des französischen Versicherungskodex unterliegt und von der Autorité de Contrôle Prudentiel et de Résolution (ACPR) unter der Handelsregisternummer 450 327 374 RCS Nanterre und dem folgenden eingetragenen Sitz zugelassen und beaufsichtigt wird: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, Frankreich, E-Mail-Adresse: contact@qover.com (“Chubb”); und
• Für Kunden in allen EWR-Ländern, mit Ausnahme von Liechtenstein: Wakam, eine französische société anonyme (Public Limited Company) 120-122, rue Réaumur, 75002 Paris (Frankreich), ist ein Nicht-Lebensversicherungsunternehmen, das von der ACPR, 4 Place de Budapest, CS 92459, 75436 PARIS CEDEX 09, unter der Nummer 4020259, E-Mail-Adresse: contact@qover.com zugelassen ist (“Wakam”).

Revolut Insurance Europe kontrolliert oder besitzt in keiner Weise Chubb/Wakam, und Chubb/Wakam kontrolliert oder besitzt Revolut Insurance Europe nicht.

Revolut Insurance Europe führt den Vertrieb von Versicherungen im Auftrag der Versicherer Chubb/Wakam durch. Du musst Revolut Insurance Europe nichts für den Versicherungsabschluss bei Chubb und Wakam zahlen. Revolut Insurance Europe kann eine Gewinnbeteiligungsprovision von Chubb und Wakam erhalten und erhält eine Servicegebühr von der Revolut Bank für Versicherungsmaklerdienste.

Du kannst deinen Versicherungsschutz nicht kündigen, ohne auch dein kostenpflichtiges Abo zu kündigen.

Um den Käuferschutz, den Rückerstattungsschutz und die Ticketstornierungsversicherung in Anspruch nehmen zu können, musst du mindestens 18 Jahre alt sein und den entsprechenden Kauf vollständig von deinem kostenpflichtigen Abo Konto getätigt haben. Es bestehen außerdem zusätzliche Berechtigungsvoraussetzungen, die du erfüllen musst und die davon abhängen, ob du einen Anspruch für den Käuferschutz, den Rückerstattungsschutz oder den Ticketstornierungsschutz geltend machst. Die vollständige Liste der Kriterien findest du in der Versicherungspolice für die Käufer-, Rückerstattungs- und Ticketstornierungsversicherung und dem Informationsblatt zu Versicherungsprodukten. Bitte lies dir diese sorgfältig durch, um sicherzustellen, dass die Versicherungsleistungen und der Versicherungsschutz deinen Bedürfnissen entsprechen, und mache dich mit den wichtigen Bedingungen vertraut, darunter auch mit dem, was abgedeckt ist und was nicht, sowie mit den allgemeinen Ausschlüssen. Eine Kopie dieser Dokumente findest du in der Revolut App. Die Police umfasst auch andere für dich relevante Informationen, wie z. B. die Rechte des Versicherers, wenn du die in den Bedingungen für Begünstigte festgelegten Bedingungen nicht befolgst, Informationen zu Ansprüchen, Informationen darüber, wie der Versicherer deine personenbezogenen Daten verarbeitet, geltendes Recht und Ähnliches.

Wenn du die Voraussetzungen für den Abschluss der Versicherung nicht erfüllst, ändert das nichts an den Gebühren, die du für dein kostenpflichtiges Abo zahlst.

8. Beschwerden oder Ansprüche die Käuferschutz-, Rückerstattungs- und Ticketstornierungsversicherung betreffend

Falls du unzufrieden damit bist, wie deine Versicherung abgeschlossen wurde, kontaktiere bitte Revolut Insurance Europe über die Revolut App. Auf diesem Weg können Probleme in der Regel schnell gelöst werden. Einzelheiten zur Bearbeitung von Beschwerden findest du in den Versicherungsbedingungen.

Beschwerden über die Käuferschutz-, Rückerstattungsschutz- und Ticketstornierungsversicherung

Wenn du eine Beschwerde im Zusammenhang mit der Käuferschutz-, Rückerstattungsschutz- und Ticketstornierungsversicherung einreichen möchtest, wende dich bitte direkt an Qover. Wie das geht, erfährst du im Versicherungsabschnitt der Revolut App. Wenn du Beschwerden oder Ansprüche an uns sendest, werden wir sie direkt an Qover weiterleiten, ohne sie zu bearbeiten.

So macht man einen Anspruch im Rahmen der Käuferschutz-, Rückerstattungsschutz- und Ticketstornierungsversicherung geltend

Wenn du einen Anspruch geltend machen möchtest, wende dich bitte direkt an Qover. Wie das geht, erfährst du im Versicherungsabschnitt der Revolut App.

9. Reise- und Veranstaltungsausfallschutz im Rahmen deines Ultra-Abonnements

Die in diesem Abschnitt aufgeführten Rechte und Pflichten gelten für dich und für Revolut Insurance Europe. Dieser Abschnitt und der folgende Abschnitt beschreiben:

• wie du die Stornierung von Reisen und Veranstaltungen im Rahmen deines Ultra-Abos erhältst; und
• wie der Versicherungsvermittler QOVER SA, der bei der Crossroads Bank for Enterprises unter der Nummer 0650.939.878 (RLE Brüssel) und bei der FSMA als ungebundener Versicherungsvertreter unter der Nummer 0650.939.878 (Qover) registriert ist, dir gegenüber für die Bearbeitung von Ansprüchen verantwortlich ist, die du im Rahmen deiner Reise- und Veranstaltungausfallversicherung geltend machst, und für die Auszahlung von Zahlungen an dich nach einem erfolgreichen Anspruch.

Wir wissen, dass das Leben passiert und das Letzte, was du willst, ist, dein ganzes Geld zu verlieren, wenn du eine Reise oder Veranstaltung absagen musst. Deshalb ist die Reise- und Veranstaltungsausfallversicherung in deinem Abo bei Ultra enthalten. Die Revolut Bank hat Revolut Insurance Europe – ein Versicherungsmaklerunternehmen, das die Tätigkeit der Versicherungsvermittlung ausübt – damit beauftragt, die kollektiven Leistungen der Reise-/ Veranstalungsausfallversicherung für dich zu vermitteln. Für diese Vereinbarung zahlt Revolut Bank eine Servicegebühr an Revolut Insurance Europe.

Revolut Insurance Europe wird dir keine Beratung oder Empfehlungen zur Eignung dieser Versicherung für dich geben. Bitte vergewissere dich, dass die Versicherung für dich geeignet ist, indem du das Produktinformationsdokument (Insurance Product Information Document - IPID), die Versicherungserklärung und die Reiserücktrittsversicherung (Police) liest und darauf achtest, was abgedeckt ist und was nicht.

Die Reiserücktrittsversicherung, die in deinem Abo enthalten ist, wird von folgendem Versicherer angeboten:

• Wakam, eine französischesociété anonyme (Public Limited Company) 120-122, rue Réaumur, 75002 Paris (Frankreich), ist ein Nicht-Lebensversicherungsunternehmen, das von der ACPR, 4 Place de Budapest, CS 92459, 75436 PARIS CEDEX 09, unter der Nummer 4020259, E-Mail-Adresse: contact@qover.com zugelassen ist (“Wakam”).

Revolut Insurance Europe kontrolliert oder besitzt Wakam in keiner Weise, und Wakam kontrolliert oder besitzt Revolut Insurance Europe nicht.

Um die Versicherung in Anspruch nehmen zu können, musst du mindestens 18 Jahre alt sein und deine Reise oder Veranstaltung vollständig von deinem Revolut Ultra Konto bezahlt haben. Außerdem gibt es zusätzliche Anspruchsvoraussetzungen, die du erfüllen musst, je nachdem, ob du einen Anspruch aus deiner Reise- und Veranstaltungausfallversicherung geltend machen möchtest. Die vollständige Liste der Kriterien findest du in der Reise-/Veranstaltungsausfallversicherungspolice und im Informationsblatt zu Versicherungsprodukten. Bitte lies diese sorgfältig durch, um sicherzustellen, dass die Versicherungsleistungen und der Versicherungsschutz deinen Bedürfnissen entsprechen, und mache dich mit den wichtigen Bedingungen vertraut, darunter auch mit dem, was versichert ist und was nicht, sowie mit den allgemeinen Ausschlüssen. Eine Kopie dieser Dokumente findest du in der Revolut App. Die Police umfasst auch andere für dich relevante Informationen, wie z. B. die Rechte des Versicherers, wenn du die in den Bedingungen für Begünstigte festgelegten Bedingungen nicht befolgst, Informationen zu Ansprüchen, Informationen darüber, wie der Versicherer deine personenbezogenen Daten verarbeitet, geltendes Recht und Ähnliches.

Du kannst deine Versicherungsleistung nicht kündigen, ohne auch dein Ultra Abo zu kündigen.

Wenn du die Voraussetzungen für den Abschluss der Versicherung nicht erfüllst, ändert das nichts an der Gebühr, die du für dein Ultra-Abo zahlst.

10. Beschwerden und Ansprüche den Reise- und Veranstaltungsausfallschutz betreffend

Falls du unzufrieden damit bist, wie deine Versicherung abgeschlossen wurde, kontaktiere bitte Revolut Insurance Europe über die Revolut App. Auf diesem Weg können Probleme in der Regel schnell gelöst werden. Einzelheiten zur Bearbeitung von Beschwerden findest du in den Versicherungsbedingungen.

Beschwerden über die Reise- und Veranstaltungsausfallversicherung

Wenn du dich im Zusammenhang mit der Reiserücktrittsversicherung oder im Zusammenhang mit einem Anspruch, den du im Rahmen der Reiserücktrittsversicherung geltend machst, beschweren möchtest, wende dich bitte direkt an Qover. Wie das geht, erfährst du im Versicherungsabschnitt der Revolut App. Wenn du Beschwerden oder Ansprüche an uns sendest, werden wir sie direkt an Qover weiterleiten, ohne sie zu bearbeiten.

So stellst du einen Anspruch im Rahmen der Reise- und Veranstaltungsausfallversicherung

Wenn du einen Anspruch geltend machen möchtest, wende dich bitte direkt an Qover. Wie das geht, erfährst du im Versicherungsabschnitt der Revolut App.

11. Laufzeit des Abos

Wir bieten monatliche und jährliche Abonnements an.

Das Jahresabonnement hat zunächst eine feste Laufzeit von einem Jahr. Nach der anfänglichen Laufzeit verlängert sich das Abonnement auf unbestimmte Zeit.

Das Monatsabonnement hat eine anfängliche feste Laufzeit von drei Monaten. Nach der anfänglichen Laufzeit verlängert sich das Abonnement auf unbestimmte Zeit.

Du kannst jederzeit ein Downgrade vornehmen und somit dein Abonnement beenden. Wenn du dein Abonnement während der anfänglichen festen Laufzeit beendest, wird deine Herabstufung (Downgrade) am Ende der anfänglichen Laufzeit wirksam, bis zu dessen Ende du die Abonnementgebühren zahlen musst. Wenn du dein Abonnement während der verlängerten unbestimmten Laufzeit herabstufst, wird dein Downgrade zum Ende des nächsten Monats wirksam, wobei sich “Monat” nach dem Datum deines Abonnements bestimmt (d.h. wenn du dein Abonnement am 5. eines Kalendermonats abgeschlossen hast, endet ein Monat am 4. des jeweils folgenden Kalendermonats).

12. Bezahlung deines kostenpflichtigen Abos

Je nach dem von dir gewählten Abonnement musst du die entsprechende Gebühr monatlich oder jährlich bezahlen. Die entsprechenden Gebühren findest du in unserer Gebührenübersicht.

Wenn du dich für ein Jahresabonnement entschieden hast und dein Abonnement für eine unbestimmte Zeit verlängert wurde, werden wir dir weiterhin jährliche Gebühren berechnen. Solltest du dich entscheiden, dein Abonnement während eines Abrechnungszeitraums herabzustufen, erstatten wir dir einen Teil der Abonnementgebühr auf der Grundlage deiner Nutzung in deinem aktuellen Abrechnungszeitraum. Bitte beachte, dass du bei einem Downgrade während deines jährlichen Abrechnungszyklus nicht in den Genuss des vergünstigten Jahrestarifs kommen kannst. Bei der Bewertung deiner Nutzung für die Berechnung deines Rückerstattungsanspruchs legen wir daher den monatlichen Preis zugrunde.

Wenn du Nutzer eines kostenpflichtigen Abos wirst, ziehen wir die Zahlung von deinem Revolut Privatkonto ein. Wenn der Kontostand auf deinem Revolut Privatkonto nicht ausreicht, um die Gebühren zu decken, musst du dein Konto entsprechend aufladen. Wenn du das nicht innerhalb von sieben Tagen tust, können wir rechtliche Schritte zum Einzug der Zahlung einleiten. In diesem Fall musst du möglicherweise unsere angemessenen Kosten dafür tragen. In den allgemeinen Geschäftsbedingungen für Privatkunden findest du weitere Einzelheiten darüber, wie wir ausstehende Zahlungen einfordern können.

Wenn du das Abo nicht innerhalb von 30 Tagen nach Fälligkeit bezahlst, können wir dein Abo kündigen und dich auf ein Standard-Abo zurückstufen.

13. Wann können wir dein kostenpflichtiges Abo beenden?

Wir können den Zugriff auf dein Konto aussetzen und dein kostenpflichtiges Abo fristlos kündigen, wenn:

• wir vermuten, dass du dich betrügerisch oder anderweitig kriminell verhältst;
• du uns nicht die Informationen bereitgestellt hast, die wir benötigen, oder wir gute Gründe für die Annahme haben, dass die Informationen, die du uns mitgeteilt hast, falsch sind;
• du ernsthaft oder anhaltend gegen diese allgemeinen Geschäftsbedingungen verstoßen hast;
• du uns Geld schuldest und dieses nicht innerhalb einer angemessenen Frist bezahlt hast, obwohl wir dich hierzu aufgefordert haben;
• du für zahlungsunfähig erklärt wurdest; oder
• wir durch geltende Gesetze, Verordnungen, Gerichtsbeschlüsse oder Anweisungen einer Aufsichtsbehörde dazu verpflichtet werden.

Wir können dein Abonnement auch aus anderen Gründen kündigen, aber wir werden dich mindestens zwei Monate im Voraus über die Revolut App, per SMS oder per E-Mail informieren.

14. Rechtliche Hinweise

Flexible Geschäftsbedingungen

Wir können diese Geschäftsbedingungen für ein kostenpflichtiges Abo ändern, werden dies jedoch nur aus den folgenden Gründen tun:

• wenn wir denken, dass die Bedingungen durch eine Änderung verständlicher oder hilfreicher für dich sind;
• um die Art und Weise widerzuspiegeln, wie unser Geschäft geführt wird, insbesondere wenn die Änderung aufgrund einer Änderung in der Art und Weise erforderlich ist, wie ein Finanzsystem oder eine Technologie bereitgestellt wird;
• um die für uns geltenden gesetzlichen oder regulatorischen Anforderungen zu erfüllen;
• um Änderungen im Hinblick auf die Kosten für die Führung unseres Geschäfts zu reflektieren; oder
• weil wir unsere Produkte oder Services ändern oder erweitern.

Änderungen, denen du nicht zustimmen musst:

• Wenn wir diese Bedingungen in einer Weise ändern, die keine unmittelbaren Auswirkungen auf dich hat, und insbesondere keine Nachteile für dich mit sich bringt, werden wir dich einfach über die Änderung informieren. Dies kann z. B. der Fall sein, wenn wir die Formatierung ändern oder neue Dienstleister einsetzen, die jedoch die gleichen Leistungen erbringen, die für dich unverändert bleiben. Du musst dem nicht aktiv zustimmen. Wenn du jedoch mit den Änderungen nicht einverstanden bist, bleibt dir nur die Möglichkeit, dein Konto gemäß den vorliegenden Bedingungen zu schließen.
• Wenn wir ein neues Produkt oder eine neue Dienstleistung hinzufügen, das/die die Bedingungen der bestehenden Produkte nicht ändert, und es dir überlassen bleibt, ob du das neue Produkt oder die neue Dienstleistung nutzt, können wir es/sie sofort hinzufügen und dich über das zusätzliche Produkt oder die zusätzliche Dienstleistung und deren Bedingungen informieren, bevor du es/sie nutzt.
• Wenn wir ein Produkt oder eine Dienstleistung verbessern oder weitere Funktionen hinzufügen (z. B. wenn einem kostenpflichtigen Plan weitere Leistungen hinzugefügt werden) und in diesem Zusammenhang keine Gebühr erhöht oder neu eingeführt wird, können wir die Funktion sofort verbessern oder hinzufügen und werden dich über die Verbesserung oder Ergänzung informieren.

Änderungen, denen du zustimmen musst:

• Wenn wir diese Bedingungen in einer Weise ändern, die dich direkt betrifft oder nachteilig für dich ist (z. B. weil einige Dienste nur noch gegen Bezahlung verfügbar sind), benötigen wir deine Zustimmung. Wir werden dich mindestens zwei Monate im Voraus per E-Mail über solche Änderungen informieren und dir mitteilen, wie du diesen Änderungen zustimmen kannst. Wenn du nicht zustimmen willst, können du oder wir den Vertrag gemäß den Bestimmungen dieses Vertrages kündigen. Bis dahin gelten für dich die bis zur Änderung gültigen Bedingungen weiter.
• Beruht eine Änderung auf einer Gesetzesänderung (einschließlich unmittelbar geltender Rechtsvorschriften der Europäischen Union), einer rechtskräftigen gerichtlichen Entscheidung oder einer verbindlichen Anordnung einer für die Bank zuständigen nationalen oder internationalen Behörde (z. B. der Bundesanstalt für Finanzdienstleistungsaufsicht, der Bank von Litauen oder der Europäischen Zentralbank), werden wir dir die Änderung zwei Monate vorher ankündigen, es sei denn, wir sind gesetzlich verpflichtet, die Änderung früher vorzunehmen. Wenn du mit dieser Änderung nicht einverstanden bist, kannst du dein Konto oder jedes andere betroffene Produkt oder jede andere Dienstleistung jederzeit kostenlos kündigen, bevor die Änderung in Kraft tritt. Wir werden diese Informationen in die Benachrichtigung aufnehmen.

Unser Vertrag mit dir

Die Rechte aus dem Vertrag liegen ausschließlich bei dir, Revolut Bank und, falls ausdrücklich in diesen Bedingungen angegeben, Revolut Insurance Europe.

Der Vertrag ist personenbezogen und du kannst keinerlei Rechte oder Pflichten daraus auf andere übertragen.

Unsere Übertragungsrechte

Du erklärst Dich damit einverstanden und gestattest uns, unser Unternehmen oder Geschäft zu fusionieren, zu reorganisieren, auszugliedern, umzuwandeln oder eine andere Form der Reorganisation oder Umstrukturierung durchzuführen und/oder alle unsere Rechte und Pflichten im Rahmen dieser Bedingungen an Dritte zu übertragen oder abzutreten.

Wir werden alle deine und unsere Rechte oder Pflichten aus dieser Vereinbarung nur dann übertragen, wenn wir der begründeten Annahme sind, dass dies keine wesentlichen negativen Auswirkungen auf deine Rechte unter diesen Geschäftsbedingungen für ein kostenpflichtiges Abo haben wird, oder wir dies tun müssen, um gesetzliche oder regulatorische Anforderungen einzuhalten, oder dies im Rahmen einer Umstrukturierung (oder eines ähnlichen Prozesses) erfolgt.

Recht auf Widerruf

Auch wenn diese Geschäftsbedingungen für ein kostenpflichtiges Abo Teil des Vertrags sind, den du mit uns geschlossen hast, kannst du dein Abonnement innerhalb von 14 Tagen nach der Anmeldung unabhängig davon widerrufen, indem du entweder innerhalb der Revolut App ein Downgrade durchführst oder uns per In-App-Chat, E-Mail oder Post kontaktierst.

Die vollständige Widerrufsbelehrung findest du in Abschnitt 6 der Allgemeinen Geschäftsbedingungen für Privatkunden.

Es gilt deutsches Recht

Dieser Vertrag unterliegt deutschem Recht.

Es gilt die deutsche Version dieses Vertrags

Wenn diese Geschäftsbedingungen für ein kostenpflichtiges Abo in eine andere Sprache übersetzt werden, dient die Übersetzung nur als Referenz und es gilt die deutsche Version.

Unser Recht zur Durchsetzung des Vertrags

Wenn du den Vertrag zwischen dir und uns verletzt hast und wir unsere Rechte nicht durchsetzen oder uns bei der Durchsetzung Zeit lassen, wird uns dies nicht daran hindern, diese Rechte zu einem späteren Zeitpunkt durchzusetzen.

Ergreifen rechtlicher Maßnahmen gegen uns

Rechtliche Schritte im Rahmen dieser allgemeinen Geschäftsbedingungen können nur vor den Gerichten der Bundesrepublik Deutschland (oder vor den Gerichten eines EU-Mitgliedstaates, in dem du ein gesetzliches Klagerecht gemäß diesen Bedingungen hast) unternommen werden.

Datenschutz

Deine personenbezogenen Daten werden im Einklang mit dem für dein Konto geltenden Datenschutzhinweisen verarbeitet, die du hier finden kannst.

Kryptowährungen und Edelmetalle

Diese Seite enthält die Bedingungen für die Dienstleistungen, die dir von uns, Revolut Bank, zur Verfügung gestellt werden. Einige Abschnitte dieser Bedingungen verweisen ausdrücklich auf die Dienstleistungen, die dir von Revolut Insurance Europe bereitgestellt werden.

Die Edelmetallprodukte werden von unserem britischen Unternehmen Revolut Ltd. gemäß den Bedingungen für Rohstoffdienstleistungen (Commodities Services Terms) angeboten. Kryptowährungsprodukte werden von Revolut Digital Assets Europe Limited („RDAEL“) gemäß den Bedingungen für Kryptowährungen angeboten.

Part II

Revolut Bank UAB German Branch

If you reside in Germany, have signed up to Revolut from 28 May 2024 and received an IBAN starting with DE, this version of our terms applies to you from 28 January 2026. If you would like to see the previous version of these terms, please click here.

If you have signed up to Revolut before that and/or your account does not have an IBAN starting with DE and you have been notified by us about the transfer to the German Branch, the current version of these terms will apply to you from the date you completed the transfer. If you would like to see the terms that apply until then, please see Part III or Part IV.

1. Why this information is important

This information sets out the extra services we provide to our Plus, Premium, Metal and Ultra (each a “Paid Plan”) users. It also sets out other important things that you need to know.

These terms and conditions (the “Paid Plan Terms”) are part of the legal agreement (the “Agreement”) between you and us referred to in the Personal Terms. If there is any inconsistency between the Personal Terms and these terms and conditions, these terms and conditions will prevail.

You can ask for a copy of these terms and conditions through the Revolut app or you can request a copy from one of our support agents at any time.

Please read these terms and conditions carefully

Your Paid Plan is a subscription. Further details on the subscription period and payment cycles can be found in section 11 of these Paid Plan Terms. Our fees are set out in the Fees Page.

We may restrict your right to upgrade or downgrade your subscription more than once in a 12-month period.

2. About us

We are Revolut Bank UAB (Revolut Bank), an authorised bank which is authorised by the ECB and supervised by the ECB and by the Bank of Lithuania. Our company number is 304580906.

We act in Germany through our branch Revolut Bank UAB, Zweigniederlassung Deutschland which is also supervised by the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht – BaFin). Our company registration number is HRB 249024 B.

In relation to the business of insurance distribution, Revolut Insurance Europe UAB (Revolut Insurance Europe), company number 305910164, is enrolled by the Bank of Lithuania on the list of insurance brokerage undertakings. This list can be found on the website of the Bank of Lithuania.

Revolut Bank and Revolut Insurance Europe both have their registered office at Konstitucijos ave. 21B, 08130 Vilnius, the Republic of Lithuania.

Revolut Bank UAB, Zweigniederlassung Deutschland has its registered office at FORA Linden Palais, Unter den Linden 40, 10117 Berlin, Germany.

Except where these terms and conditions say otherwise, the rights and obligations set out in these terms apply to you and Revolut Bank (Revolut Bank UAB, Zweigniederlassung Deutschland).

3. What are the Paid Plan services?

What are the Revolut Plus services?

Plus users have access to all the services available to personal account holders on a Standard plan, as well as the following benefits:

• two free Revolut Plus cards (and one free additional card each subsequent year);
• up to three active physical Revolut cards at any one time;
• free ATM withdrawal allowance of €200 per month;
• access to up to two Revolut - Kids & Teens accounts and full access to Revolut - Kids & Teens features;
• access to Purchase Protection, Refund Protection and Ticket Cancellation Insurance for purchases made with your Revolut account; and
• priority customer support through the app.

What are the Revolut Premium services?

Premium users have access to all the services available to Standard and Plus users above, as well as the following benefits:

• two free Revolut Premium cards (and one free additional card each subsequent year);
• free ATM withdrawal allowance of €400 per month;
• the opportunity to buy discounted lounge passes;
• Plan Partnerships; and
• access to cryptocurrency and precious metals at better rates than Standard and Plus users.

What are the Revolut Metal services?

Metal users have access to all the services and benefits available to Standard, Plus and Premium users above, as well as the following benefits:

• one free contactless stainless steel Revolut Metal card;
• free ATM withdrawal allowance of €800 per month;
• more Plan Partnerships than Premium;
• travel insurance;
• access to up to 5 Revolut - Kids & Teens accounts; and
• any other benefits we add from time to time.

What are the Revolut Ultra services?

Ultra users have access to all the services and benefits available to Standard, Plus, Premium and Metal users listed above as well as the following benefits:

• one free contactless Revolut Ultra card;
• reduced fees for stock trading;
• additional trip & event cancellation cover (excluding users in the countries listed in this FAQ);
• complimentary lounge passes for personal use and the opportunity to buy passes for your guests;
• free ATM withdrawal allowance of €2000 per month;
• in-app calls (in English only); and
• any other benefits we add from time to time.

4. What are the Paid Plan cards?

Revolut Plus card

If you become a Plus user you'll be able to order a Revolut Plus Card. We'll also issue an extra Plus Card if you ask for one. You can still use other Revolut cards you have.

We may charge fees for any Plus Cards that we issue above your free allowance.

Revolut Premium Card

If you become a Premium user you'll be able to order a Revolut Premium Card with exclusive designs. We'll also issue an extra Premium Card if you ask for one. You can still use other Revolut cards you have.

We may charge fees for any Premium Cards that we issue above your free allowance.

Revolut Metal Card

If you upgrade to Metal, we'll issue you with a Revolut Metal Card that is only available to Metal users. You can only hold one Metal Card at any time. You can still use other Revolut cards you have.

Revolut Ultra Card

If you upgrade to Ultra, we'll issue you with a Revolut Ultra Card that is only available to Ultra users. You can still use other Revolut cards you have.

Insurance

5. Travel insurance as part of your Metal or Ultra subscription

This benefit is also available as part of your Premium subscription until 31 December 2025.

The rights and obligations set out in this section apply to you as beneficiary of the group policy held by Revolut Bank, Revolut Bank as a group policy holder and Revolut Insurance Europe as an insurance broker distributing the group policy. This section describes:

(1) how Revolut Insurance Europe arranges collective travel insurance for Revolut Bank to be able to offer travel insurance benefits as part of your subscription; and

(2) how the non-life insurance company Steadfast Insurance Partners(the underwriter) and Cover Genius B.V. (the policy administrator) are responsible to you for handling any claim you make in relation to your travel insurance benefits, and for making any payments to you after a successful claim (via https://www.xcover.com/en/login). Their registration details are as follows:

• Steadfast Insurance Partners Ltd - (Malta Company Registration Number C 55905), Level 3, Gasan Centre, Triq il- Merghat, Zone 1, Central Business District, Birkirkara, CBD 1020, Malta. Steadfast Insurance Partners Limited is authorised under the Insurance Business Act 1998 of the laws of Malta to carry out general business and is regulated by the Malta Financial Services Authority, Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta ("Steadfast").
• Cover Genius Europe B.V. of De Vijzel, 3rd Floor, Vijzelstraat 20, 1017HK Amsterdam, the Netherlands, authorised and regulated by the Dutch Authority for Financial Markets (AFM) under reference number 12046177 (“Cover Genius”).

We know that when you’re looking forward to travelling the last thing you want to do is arrange insurance. This is why we at Revolut arrange travel insurance benefits for you. Revolut Bank has engaged Revolut Insurance Europe - an insurance brokerage company that carries out the activity of insurance mediation - to arrange the collective travel insurance on behalf of Revolut Bank. Revolut Insurance Europe has arranged the travel insurance from the third party travel insurer Steadfast through services provided by Cover Genius. For this arrangement, Revolut Bank pays a service fee to Revolut Insurance Europe.

Revolut Insurance Europe and Revolut Bank don't control or own Steadfast or Cover Genius in any way, and Steadfast and Cover Genius do not control or own us.

Whilst we have a contractual obligation to arrange your travel insurance with Steadfast and Cover Genius, Revolut Insurance Europe acts on your and not the insurer’s behalf, we will not provide you with advice or a recommendation on the suitability of the travel insurance benefits for you. We provide information on our role in arranging your insurance, along with links to important documents from your insurance provider. Please read these carefully to make sure the insurance benefits and cover are suitable for your needs and familiarise yourself with important conditions, including what is and isn’t covered as well as general exclusions (specifically those relating to pre-existing medical conditions, and age eligibility for the insurance).

You can find the Insurance Policy and the Insurance Product Information Document (IPID) for your plan here:

• Premium Insurance Policy and Insurance Product Information Document;
• Metal Insurance Policy and Insurance Product Information Document;
• Ultra Insurance Policy and Insurance Product Information Document.

If you are an Ultra user, please note that trip cancellation is covered separately under your trip & event cancellation cover as set out below.

You cannot cancel your insurance benefits without also cancelling your subscription to the Metal or Ultra service.

To be eligible for travel insurance benefits you must be aged over 18 and have used your Revolut Card for the payment of the travel booking. More detailed information about your insurance benefits is provided in the Policy wording and IPID. Please read them carefully. There is a copy of these documents in the Revolut app. The Policy Wording also includes other information relevant to you, such as the rights of the insurer where you do not follow the terms set out in the Conditions for Beneficiaries, claims information, information on how the insurer processes your personal data, applicable law and similar.

The continuing provision, scope and terms of the travel insurance benefits may be changed or cancelled by us or by the Travel Insurer at any time. Wherever possible, we will give you advance notice of any detrimental changes to or cancellation of the insurance benefits.

If you don't meet the conditions for having the insurance benefits, this doesn't change the subscription you pay for the Metal or Ultra plan.

6. Complaints and claims for Travel insurance

If you are unhappy with how your travel insurance was arranged, please get in touch through the Revolut app. Problems can usually be quickly solved in this way. Details for complaints handling are provided in the Insurance Terms.

Complaints about the travel insurance

If you want to make a complaint in connection with the travel insurance benefits, please contact Cover Genius directly.

You can find out how to do this in the insurance section of the Revolut app. Cover Genius will handle your complaint and communicate with you in English, unless they tell you otherwise. If you send any complaint to us, we will pass it on to Cover Genius without dealing with it.

How to make a claim with respect to your travel insurance benefits

If you want to make a claim, please contact Cover Genius (trading as “XCover”) directly. You can find out how to do this in the insurance section of the Revolut app. XCover will handle your claim and communicate with you in English, unless they tell you otherwise.

7. Purchase, refund, and ticket cancellation insurance as part of your Paid Plan subscription

The rights and obligations set out in this section apply to you and Revolut Insurance Europe. This section describes:

• how Revolut Insurance Europe arranges purchase protection, refund protection and ticket cancellation insurance as part of your subscription with Revolut Bank and distributes it to you; and
• how the insurance intermediary appointed by our insurance partners, QOVER SA, registered with the Crossroads Bank for Enterprises under number 0650.939.878 (RLE Brussels) and registered at FSMA as an untied insurance agent under number 0650.939.878 (Qover), is administering the product and is responsible for handling any claim you make under your purchase protection, refund protection and ticket cancellation insurance, and for making any payments to you after a successful claim.

We know that when you're looking forward to buying a new phone, laptop or tickets to your favourite concert the last thing you want to do is arrange insurance. This is why purchase protection, refund protection and ticket cancellation insurance has been included in the plan for you, providing you with specified levels of protection depending on the item purchased on your Revolut Card. Revolut Insurance Europe will not provide you with advice or a recommendation on the suitability of this insurance for you. Please make sure the insurance is suitable for you by reading the insurance product information document (IPID), statement of insurance and the Purchase Protection, Refund Protection, Ticket Cancellation Insurance Master Policy Terms & Conditions (Policy), paying attention to what is and isn't covered.

Revolut Insurance Europe has worked with the following insurance providers to be able to include purchase protection, refund protection and ticket cancellation insurance as part of your Paid Plan:

• to customers in all EEA jurisdictions: Chubb European Group SE is a non-life insurance undertaking governed by the provisions of the French insurance code and authorised and regulated by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) with registration number 450 327 374 RCS Nanterre and the following registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France, email address: contact@qover.com (Chubb); and
• to customers in all EEA jurisdictions, except for Liechtenstein: Wakam, A French société anonyme (public limited company) 120-122, rue Réaumur, 75002 Paris (France), is a non-life insurance company approved by the ACPR 4 Place de Budapest, CS 92459, 75436 PARIS CEDEX 09, under number 4020259, email address: contact@qover.com (Wakam).

Revolut Insurance Europe doesn't control or own Chubb / Wakam in any way, and Chubb / Wakam don't control or own Revolut Insurance Europe.

Revolut Insurance Europe is carrying out insurance distribution on behalf of the insurers Chubb / Wakam. You do not have to pay anything to Revolut Insurance Europe for arranging the insurance with Chubb and Wakam - Revolut Insurance Europe may receive profit share commission from Chubb and Wakam and receives a service fee from Revolut Bank for insurance intermediary services.

You cannot cancel your insurance cover without also cancelling your subscription to the Paid Plan.

To be eligible for purchase protection, refund protection and ticket cancellation insurance you must be aged 18 or above and you must have made the relevant purchase in full with your Paid Plan account. There are also additional eligibility requirements you must satisfy, which depend on whether you are seeking to make a purchase protection, refund protection or ticket cancellation claim. The full list of criteria can be found in the Purchase, Refund Protection Ticket Cancellation Policy and Insurance Product Information Document. Please read these carefully to make sure the insurance benefits and cover are suitable for your needs and familiarise yourself with important conditions including what is and isn’t covered as well as general exclusions. There is a copy of these documents in the Revolut app. The Policy also includes other information relevant to you, such as the rights of the insurer where you do not follow the terms set out in the Policy, complaints information, information on how the insurer processes your personal data, applicable law and similar.

If you don't meet the conditions for having the insurance, this doesn't change the subscription you pay for your Paid Plan.

8. Complaints and claims about purchase, refund, and ticket cancellation insurance

If you are unhappy with how your insurance was arranged, please get in touch with Revolut Insurance Europe through the Revolut app. Problems can usually be quickly solved in this way. Details for complaints handling are provided in the Insurance Terms.

Complaints about the purchase protection, refund protection and ticket cancellation insurance

If you want to make a complaint in connection with the purchase protection, refund protection and ticket cancellation insurance policy, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app. If you send any complaint or claim to us, we will pass it on to Qover without dealing with it.

How to make a claim under the purchase protection, refund protection and ticket cancellation insurance

If you want to make a claim, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app.

9. Trip & event cancellation cover as part of your Ultra subscription

The rights and obligations set out in this section apply to you and Revolut Insurance Europe. This section and the following section describes:

• how you will receive trip & event cancellation cover as part of your Ultra plan subscription; and
• how the insurance intermediary QOVER SA, registered with the Crossroads Bank for Enterprises under number 0650.939.878 (RLE Brussels) and registered at FSMA as an untied insurance agent under number 0650.939.878 (Qover), is responsible to you for handling any claim you make under your trip & event cancellation cover, and for making any payments to you after a successful claim.

We know that life happens and the last thing you want is to lose all of your money when you have to cancel a trip or event. This is why the trip & event cancellation cover has been included with your Ultra plan for you. Revolut Bank has engaged Revolut Insurance Europe - an insurance brokerage company that carries out the activity of insurance mediation - to arrange the collective trip/event cancellation insurance benefits for you. For this arrangement, Revolut Bank pays a service fee to Revolut Insurance Europe.

Revolut Insurance Europe will not provide you with advice or a recommendation on the suitability of this insurance for you. Please make sure the insurance is suitable for you by reading the insurance product information document (IPID), statement of insurance and the Trip & Event Cancellation Cover Policy (Policy), paying attention to what is and isn't covered.

The trip/event cancellation insurance which is included as part of your Ultra plan is provided by the following insurer:

• Wakam, A French société anonyme (public limited company) 120-122, rue Réaumur, 75002 Paris (France), is a non-life insurance company approved by the ACPR 4 Place de Budapest, CS 92459, 75436 PARIS CEDEX 09, under number 4020259, email address: contact@qover.com (Wakam).

Revolut Insurance Europe doesn't control or own Wakam in any way, and they don't control or own Revolut Insurance Europe.

To be eligible for insurance you must be aged 18 or above and you must have paid your trip or event in full with your Revolut Ultra account. There are also the additional eligibility requirements you must satisfy, which depend on whether you are seeking to make a claim under your trip & event cancellation cover. The full list of criteria can be found in the Trip / Event Cancellation Insurance Policy and Insurance Product Information Document. Please read these carefully to make sure the insurance benefits and cover are suitable for your needs and familiarise yourself with important conditions including what is and isn’t covered as well as general exclusions. There is a copy of these documents in the Revolut app. The Policy also includes other information relevant to you, such as the rights of the insurer where you do not follow the terms set out in the Policy, complaints information, information on how the insurer processes your personal data, applicable law and similar.

You cannot cancel your insurance benefit without also cancelling your subscription to the Ultra plan service.

If you don't meet the conditions for having the insurance, this doesn't change the subscription you pay for the Ultra service.

10. Complaints and claims about the trip & event cancellation cover

If you are unhappy with how your insurance was arranged, please get in touch with Revolut Insurance Europe through the Revolut app. Problems can usually be quickly solved in this way. Details for complaints handling are provided in the Insurance Terms.

Complaints about the trip & event cancellation cover

If you want to make a complaint in connection with the trip & event cancellation cover Policy, or in connection with any claim you make under the trip & event cancellation cover Policy, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app. If you send any complaint or claim to us, we will pass it on to Qover without dealing with it.

How to make a claim under the trip & event cancellation cover

If you want to make a claim, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app.

11. Subscription term

We offer monthly and annual subscription plans.

The annual subscription plan has an initial fixed term of one year. After the initial term, the subscription will renew for an indefinite term.

The monthly subscription plan has an initial fixed term of three months. After the initial term, the subscription will renew for an indefinite term.

You may downgrade and therefore terminate your subscription at any time. If you downgrade during the initial fixed term, your downgrade will take effect at the end of the initial term until the end of which you must pay the subscription fees. If you downgrade during the renewed indefinite term, your downgrade will take effect at the end of the next month, with the month being determined by the date of your subscription (i.e. if you have subscribed on the 5th of a calendar month, a month will end on 4th of the respective following calendar month).

12. Paying your Paid Plan subscription

Depending on the subscription plan you’ve chosen, you will have to pay the applicable fee monthly or annually. These fees are set out in our Fees Page.

If you have chosen an annual subscription and your subscription has renewed for an indefinite term, we will continue to charge you annually. Should you decide to downgrade your subscription during a billing cycle, we will give you a partial refund of the subscription fee based on your usage in your current billing cycle. Please note that if you downgrade during your annual billing cycle you cannot benefit from the discounted annual rate. Therefore, when evaluating your usage for calculating your refund entitlement we base the calculation on the monthly price.

When you become a Paid Plan user, we will take the payment from your Personal account balance. If your Personal account balance is insufficient to cover the fees, you will have to top-up your account accordingly. If you don't do this within seven days, we may also take legal steps to collect the payment. If we do, you may have to pay our reasonable costs of doing so. Please refer to the Personal Terms for more details on how we can recover outstanding payments.

Unfortunately, if you do not pay the subscription within 30 days of it becoming due, we may cancel your subscription and downgrade you to a Standard plan.

13. When can we end your Paid Plan subscription?

We can suspend access to your account and end your Paid Plan subscription immediately if:

• we suspect you are behaving fraudulently or otherwise criminally;
• you haven't given us the information we need, or we have good reason to believe that the information you have given us is false;
• you have broken these terms and conditions in a serious or persistent way;
• you owe us money and, despite us asking you to pay us, you have not done so within a reasonable period of time;
• you've been declared bankrupt; or
• we must do so under any law, regulation, court order or supervisory authority's instructions.

We may also end your subscription for other reasons, but we will give you at least two months' notice through the app, by text message or in an email.

14. Legal bits and pieces

We can change these terms

We can change these terms and conditions, but we'll only do so for the following reasons:

• if we think it will make them easier to understand or more helpful to you;
• to reflect the way our business is run, particularly if the change is needed because of a change in the way any financial system or technology is provided;
• to reflect legal or regulatory requirements that apply to us;
• to reflect changes in the cost of running our business; or
• because we are changing our products or services or introducing new ones.

Changes that you do not have to agree to:

• If we change these terms and conditions in such a way that there is no immediate impact on you, and in particular no disadvantage to you, we will simply inform you of the change. This may be the case, for example, if we change the formatting or use new service providers who nevertheless provide the same services that remain unchanged for you. You do not have to actively agree to this. However, if you do not agree with the changes, your only option is to cancel your account in accordance with these terms.
• If we add a new product or service that doesn't change the terms and conditions of existing products and it is up to you whether you use the new product or service, we may add it immediately and will inform you of the additional product or service and its terms and conditions before you use it.
• If we enhance or add more features to a product or service (e.g. more benefits are added to a Paid Plan) and no fee is increased or newly introduced in connection therewith, we can enhance or add the feature immediately and will inform you of the enhancement or addition.

Changes you must agree to:

• If we change these terms and conditions in a way that directly affects you or adversely affects you (for example, because some services are now only available with payment), we will need your consent. We will notify you of such changes at least two months in advance by email and lay out how you can agree to those changes. If you do not want to agree, you or we can terminate the agreement according to the regulations of this agreement. Until then, the conditions valid until the change will continue to apply to you.
• If a change is based on a change of law (including directly applicable European Union legislation), a legally binding court decision or a binding order of a national or international authority competent for the bank (e.g. the German Federal Financial Supervisory Authority, the Bank of Lithuania or the European Central Bank), we will give you two months prior notice of such change unless we are legally required to make the change earlier. If you do not agree with this change, you may cancel your account or any other affected product or service free of charge at any time before the change takes effect. We will include this information in the notification.

Our contract with you

Only you, Revolut Bank and, if expressly indicated in these terms, Revolut Insurance Europe have any rights under the Agreement.

The Agreement is personal to you and you cannot transfer any rights or obligations under it to anyone else.

Our right to transfer

You agree and permit us to merge, reorganise, spin-off, transform or execute any other form of reorganisation or restructuring of our company or business and/or transfer or assign all of our rights and obligations under these terms and conditions to any third party.

We will only transfer any of your and our rights or obligations under the Agreement if we reasonably think that this won’t have a significant negative effect on your rights under these terms or we need to do so to keep to any legal or regulatory requirement, or it is done as a result of implementation of reorganisation (or a similar process).

Right of withdrawal

Even though these Paid Plan Terms form part of the Agreement you have with us, you can withdraw from your subscription independently within 14 days of subscribing by either downgrading within the Revolut app or by contacting us via in-app chat, email or post.

You can find the full right of withdrawal notice in section 6 of the Personal Terms.

German law applies

This Agreement is governed by German law.

The German version of the Agreement applies

If these terms and conditions are translated into another language, the translation is for reference only and the German version will apply.

Our right to enforce the Agreement

If you have broken the Agreement between you and us and we don’t enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing them at a later date.

Taking legal action against us

Legal action under these terms and conditions can only be brought in the courts of the Federal Republic of Germany (or in the courts of any EU Member State where you have a statutory right to bring legal action under these terms and conditions).

Privacy

Your personal data will be processed in line with the customer privacy notice that applies to your account, which you can find here.

Cryptocurrency & Precious Metals

This page shows the terms for the services provided to you by us, Revolut Bank. Some sections of these terms expressly indicate the services provided to you by Revolut Insurance Europe.

The Precious Metals products are offered by our UK company, Revolut Ltd, under the Commodities Services Terms. Cryptocurrency products are offered by Revolut Digital Assets Europe Limited (“RDAEL”) under the Cryptocurrency Terms.

Part III

Revolut Bank UAB

These Paid Plan terms apply from 28 January 2026. Please click here to see the previous Paid Plans terms that apply until 28 January 2026.

If you have subscribed to a Paid Plan (including by upgrade or downgrade) as of 06 August 2024 or have signed up to RevPoints, please see Part IV below for the terms relevant to you.

1. Why this information is important

This information sets out the extra services we provide to our Plus, Premium,Metal and Ultra (each a Paid Plan) users. It also sets out other important things that you need to know.

These terms and conditions are part of the legal agreement (the Agreement) between you and us referred to in the Personal Terms . If there is any inconsistency between the Personal Terms and these terms and conditions, these terms and conditions will prevail.

You can ask for a copy of these terms and conditions through the Revolut app (“the app”) or you can request a copy from one of our support agents at any time.

Please read these terms and conditions carefully

Your subscription for the Paid Plan service will automatically renew every year unless you give us notice to end it before the automatic renewal. Regardless of how you pay your subscription, we may charge a fee if you end the subscription within 10 months of it starting. Our fees are set out in the Fees Page.

We may restrict your right to upgrade or downgrade your subscription more than once in a 12-month period.

Please see section 12 of these terms for more information about what fee you may be charged if you downgrade or cancel your subscription early.

2. About us

We are Revolut Bank UAB (Revolut Bank), an authorised bank which is regulated by the Bank of Lithuania. Our company number is 304580906.

In relation to the business of insurance distribution, Revolut Insurance Europe UAB (Revolut Insurance Europe), company number 305910164, is enrolled by the Bank of Lithuania on the list of insurance brokerage undertakings. This list can be found on the website of the Bank of Lithuania.

Revolut Bank and Revolut Insurance Europe both have their registered office at Konstitucijos ave. 21B, 08130 Vilnius, the Republic of Lithuania.

Except where these terms and conditions say otherwise, the rights and obligations set out in these terms apply to you and Revolut Bank.

3. What are the Paid Plan services?

What are the Revolut Plus services?

Plus users have access to all the services available to personal account holders on a Standard plan, as well as the following benefits:

• two free Revolut Plus cards (and one free replacement each subsequent year);
• up to three active physical Revolut cards at any one time;
• access to up to 2 Revolut - Kids & Teens accounts and full access to Revolut - Kids & Teens features;
• higher interest rates for Savings Vaults than for Standard customers (when they are available to us);
• access to cashback on Stays;
• access to Purchase Protection, Refund Protection and Ticket Cancellation Insurance for purchases made with your Revolut account; and
• priority customer support through the app.

What are the Revolut Premium services?

Premium users have access to all the services available to Standard and Plus users above, as well as the following benefits:

• two free Revolut Premium cards (and one free replacement each subsequent year);
• double the free ATM withdrawal allowance of Standard users;
• travel insurance;
• the opportunity to buy discounted lounge passes;
• free lounge access for flight delays; and
• access to cryptocurrency and precious metals at better rates than Standard and Plus users.

What are the Revolut Metal services?

Metal users have access to all the services and benefits available to Standard, Plus and Premium users above, as well as the following benefits:

• one free contactless stainless steel Revolut Metal card;
• Paid Plan Cashback in a number of currencies, precious metals or cryptocurrencies (these may change from time to time);
• four times the free ATM withdrawal allowance of Standard users;
• higher interest rates for Savings Vaults (where they are available to us);
• access to up to 5 Revolut - Kids & Teens accounts; and
• any other benefits we add from time to time.

What are the Revolut Ultra services?

Ultra users have access to all the services and benefits available to Standard, Plus, Premium and Metal users listed above (except for free lounge access for flight delays) as well as the following benefits:

• one free contactless Revolut Ultra card;
• reduced fees for stock trading;
• additional trip & event cancellation cover (excluding users in the countries listed in this FAQ);
• complimentary lounge passes for personal use and the opportunity to buy passes for your guests;
• ten times the free ATM withdrawal allowance of Standard users;
• Plan Partnerships;
• in-app calls (in English only); and
• any other benefits we add from time to time.

What is Paid Plan Cashback and when do you earn it?

When Metal or Ultra users make an eligible purchase with their Revolut card, we may (but do not have to) credit your account with an amount equivalent to a percentage of your payment. We call this a "Paid Plan Cashback". We may change the percentage of the Paid Plan Cashback for your plan or not pay it for any reason, including the country you make the payment in or the merchant you make the payment to. You can find our current Paid Plan Cashback rates in our FAQs.

We can't give you cashback when doing so would break any law or regulation, or if the payment you make with your Revolut card is just to another account or payment card (such as an e-wallet, a bank account or a card account).

There is a limit to how much Paid Plan Cashback you can receive in one monthly billing cycle. This is set out in our Fees Page for your Paid Plan.

Sometimes we can recover the Paid Plan Cashback from you if:

• the payment that earned the Paid Plan Cashback is refunded to you;
• you earned the Paid Plan Cashback fraudulently;
• you downgrade from your Ultra Plan subscription to any lower plans within the cooling-off period of 14 days; or
• you broke this agreement in order to get the Paid Plan Cashback.

We will recover the amount of the Paid Plan Cashback by taking it out of your account.We will consider the recovery to be done with your consent and the payment to be authorised by you.

If we cannot recover the amount of the Paid PlanCashback from your account, you will still owe us the relevant amount. We may then recover the amount from a stored card or exercise our right of set-off. We may also take legal steps to recover the amount you owe us. If we do, you may have to pay our reasonable costs of doing so.

You can read more about how we can recover amounts that you owe us in the Personal Terms.

4. What are the Paid Plan cards?

Revolut Plus card

If you become a Plus user you'll be able to order a Revolut Plus Card. We'll also issue an extra Plus Card if you ask for one. You can still use other Revolut cards you have.

We may charge fees for any Plus Cards that we issue above your free allowance.

Revolut Premium Card

If you become a Premium user you'll be able to order a Revolut Premium Card with exclusive designs. We'll also issue an extra Premium Card if you ask for one. You can still use other Revolut cards you have.

We may charge fees for any Premium Cards that we issue above your free allowance.

Revolut Metal Card

If you upgrade to Metal, we'll issue you with a Revolut Metal Card that is only available to Metal users. You can only hold one Metal Card at any time. You can still use other Revolut cards you have.

Revolut Ultra Card

If you upgrade to Ultra, we'll issue you with a Revolut Ultra Card that is only available to Ultra users. You can still use other Revolut cards you have.

Insurance

5. Travel insurance as part of your Premium, Metal or Ultra subscription

The rights and obligations set out in this section apply to you as beneficiary of the group policy held by Revolut Bank, Revolut Bank as a group policy holder and Revolut Insurance Europe as an insurance broker distributing the group policy. This section describes:

• how Revolut Insurance Europe arranges collective travel insurance for Revolut Bank to be able to offer travel insurance benefits as part of your subscription; and
• how a non-life insurance company Steadfast Insurance Partners Limited (the underwriter) and Cover Genius B.V. (the policy administrator) are responsible to you for handling any claim you make in relation to your travel insurance benefits, and for making any payments to you after a successful claim (via https://www.xcover.com/en/login). Their registration details are as follows:
• Steadfast Insurance Partners Ltd - (Malta Company Registration Number C 55905), Level 3, Gasan Centre, Triq il- Merghat, Zone 1, Central Business District, Birkirkara, CBD 1020, Malta. Steadfast Insurance Partners Limited is authorised under the Insurance Business Act 1998 of the laws of Malta to carry out general business and is regulated by the Malta Financial Services Authority, Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta ("Steadfast").
• Cover Genius Europe B.V. of John M. Keynesplein 12 46, Amsterdam, the Netherlands, authorised and regulated by the Dutch Authority for Financial Markets (AFM) under reference number 12046177 (“Cover Genius”).

We know that when you’re looking forward to travelling the last thing you want to do is arrange insurance. This is why we at Revolut arrange travel insurance benefits for you. Revolut Bank has engaged Revolut Insurance Europe - an insurance brokerage company that carries out the activity of insurance mediation - to arrange the collective travel insurance on behalf of Revolut Bank. Revolut Insurance Europe has arranged the travel insurance from the third party travel insurer Steadfast through services provided by Cover Genius. For this arrangement, Revolut Bank pays a service fee to Revolut Insurance Europe.

Revolut Insurance Europe and Revolut Bank don't control or own Steadfast or Cover Genius in any way, and Steadfast and Cover Genius do not control or own us.

Whilst we have a contractual obligation to arrange your travel insurance with Steadfast and Cover Genius, Revolut Insurance Europe acts on your and not the insurer’s behalf, we will not provide you with advice or a recommendation on the suitability of the travel insurance benefits for you. We provide information on our role in arranging your insurance, along with links to important documents from your insurance provider. Please read these carefully to make sure the insurance benefits and cover are suitable for your needs and familiarise yourself with important conditions, including what is and isn’t covered as well as general exclusions (specifically those relating to pre-existing medical conditions, and age eligibility for the insurance).

You can find the Insurance Policy and the Insurance Product Information Document (IPID) for your plan here:

• Premium Insurance Policy and Insurance Product Information Document;
• Metal Insurance Policy and Insurance Product Information Document;
• Ultra Insurance Policy and Insurance Product Information Document.

If you are an Ultra user, please note that trip cancellation is covered separately under your trip & event cancellation cover as set out below.

You cannot cancel your insurance benefits without also cancelling your subscription to the Premium, Metal or Ultra service.

To be eligible for travel insurance benefits you must be aged over 18. More detailed information about your insurance benefits is provided in the Policy wording and IPID. Please read them carefully. There is a copy of these documents in the Revolut app. The Policy Wording also include other information relevant to you, such as the rights of the insurer where you do not follow the terms set out in the Conditions for Beneficiaries, claims information, information on how the insurer processes your personal data, applicable law and similar.

The continuing provision, scope and terms of the travel insurance benefits may be changed or cancelled by us or by the Travel Insurer at any time. Wherever possible, we will give you advance notice of any detrimental changes to or cancellation of the insurance benefits.

If you don't meet the conditions for having the insurance benefits, this doesn't change the subscription you pay for the Premium, Metal or Ultra plan.

6. Complaints and claims for Travel insurance

If you are unhappy with how your travel insurance was arranged, please get in touch through the Revolut app. Problems can usually be quickly solved in this way. Details for complaints handling are provided in the Insurance Terms.

Complaints about the travel insurance

If you want to make a complaint in connection with the travel insurance benefits, please contact Cover Genius directly.

You can find out how to do this in the insurance section of the Revolut app. Cover Genius will handle your complaint and communicate with you in English, unless they tell you otherwise. If you send any complaint to us, we will pass it on to Cover Genius without dealing with it.

How to make a claim with respect to your travel insurance benefits

If you want to make a claim, please contact Cover Genius (trading as “XCover”) directly. You can find out how to do this in the insurance section of the Revolut app. XCover will handle your claim and communicate with you in English, unless they tell you otherwise.

7. Purchase, refund, and ticket cancellation insurance as part of your Paid Plan subscription

The rights and obligations set out in this section apply to you and Revolut Insurance Europe. This section describes:

• how Revolut Insurance Europe arranges purchase protection, refund protection and ticket cancellation insurance as part of your subscription with Revolut Bank and distributes it to you; and

• how an insurance intermediary appointed by our insurance partners, QOVER SA, registered with the Crossroads Bank for Enterprises under number 0650.939.878 (RLE Brussels) and registered at FSMA as an untied insurance agent under number 0650.939.878 (Qover), is administering the product and is responsible for handling any claim you make under your purchase protection, refund protection and ticket cancellation insurance, and for making any payments to you after a successful claim.

We know that when you're looking forward to buying a new phone, laptop or tickets to your favourite concert the last thing you want to do is arrange insurance. This is why purchase protection, refund protection and ticket cancellation insurance has been included in the plan for you, providing you with specified levels of protection depending on the item purchased on your Revolut Card. Revolut Insurance Europe will not provide you with advice or a recommendation on the suitability of this insurance for you. Please make sure the insurance is suitable for you by reading the insurance product information document (IPID), statement of insurance and the Purchase Protection, Refund Protection, Ticket Cancellation Insurance Master Policy Terms & Conditions (Policy), paying attention to what is and isn't covered.

Revolut Insurance Europe has worked with the following insurance providers to be able to include purchase protection, refund protection and ticket cancellation insurance as part of your Paid Plan:

• to customers in all EEA jurisdictions: Chubb European Group SE is a non-life insurance undertaking governed by the provisions of the French insurance code and authorised and regulated by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) with registration number 450 327 374 RCS Nanterre and the following registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France, email address: contact@qover.com (Chubb); ​​and

• to customers in all EEA jurisdictions, except for Liechtenstein: Wakam, A French société anonyme (public limited company) 120-122, rue Réaumur, 75002 Paris (France), is a non-life insurance company approved by the ACPR 4 Place de Budapest, CS 92459, 75436 PARIS CEDEX 09, under number 4020259, email address: contact@qover.com (Wakam).

Revolut Insurance Europe doesn't control or own Chubb / Wakam in any way, and Chubb / Wakam don't control or own Revolut Insurance Europe.

Revolut Insurance Europe is carrying out insurance distribution on behalf of the insurers Chubb / Wakam. You do not have to pay anything to Revolut Insurance Europe for arranging the insurance with Chubb and Wakam - Revolut Insurance Europe may receive profit share commission from Chubb and Wakam, and receives a service fee from Revolut Bank for insurance intermediary services.

You cannot cancel your insurance cover without also cancelling your subscription to the Paid Plan.

To be eligible for purchase protection, refund protection and ticket cancellation insurance you must be aged 18 or above and you must have made the relevant purchase in full with your Paid Plan account. There are also additional eligibility requirements you must satisfy, which depend on whether you are seeking to make a purchase protection, refund protection or ticket cancellation claim. The full list of criteria can be found in the Purchase, Refund Protection Ticket Cancellation Policy and Insurance Product Information Document. Please read these carefully to make sure the insurance benefits and cover are suitable for your needs and familiarise yourself with important conditions including what is and isn’t covered as well as general exclusions. There is a copy of these documents in the Revolut app. The Policy also includes other information relevant to you, such as the rights of the insurer where you do not follow the terms set out in the Policy, complaints information, information on how the insurer processes your personal data, applicable law and similar.

If you don't meet the conditions for having the insurance, this doesn't change the subscription you pay for your Paid Plan.

8. Complaints and claims about purchase, refund, and ticket cancellation insurance

If you are unhappy with how your insurance was arranged, please get in touch with Revolut Insurance Europe through the Revolut app. Problems can usually be quickly solved in this way. Details for complaints handling are provided in the Insurance Terms.

Complaints about the purchase protection, refund protection and ticket cancellation insurance

If you want to make a complaint in connection with the purchase protection, refund protection and ticket cancellation insurance policy, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app. If you send any complaint or claim to us, we will pass it on to Qover without dealing with it.

How to make a claim under the purchase protection, refund protection and ticket cancellation insurance

If you want to make a claim, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app.

9. Trip & event cancellation cover as part of your Ultra subscription

The rights and obligations set out in this section apply to you and Revolut Insurance Europe. This section and the following section describes:

• how you will receive trip & event cancellation cover as part of your Ultra plan subscription; and

• how an insurance intermediary QOVER SA, registered with the Crossroads Bank for Enterprises under number 0650.939.878 (RLE Brussels) and registered at FSMA as an untied insurance agent under number 0650.939.878 (Qover), is responsible to you for handling any claim you make under your trip & event cancellation cover, and for making any payments to you after a successful claim.

We know that life happens and the last thing you want is to lose all of your money when you have to cancel a trip or event. This is why the trip & event cancellation cover for trips and events has been included with your Ultra plan for you. Revolut Bank has engaged Revolut Insurance Europe - an insurance brokerage company that carries out the activity of insurance mediation - to arrange the collective trip/event cancellation insurance benefits for you. For this arrangement, Revolut Bank pays a service fee to Revolut Insurance Europe.

Revolut Insurance Europe will not provide you with advice or a recommendation on the suitability of this insurance for you. Please make sure the insurance is suitable for you by reading the insurance product information document (IPID), statement of insurance and the Trip & Event Cancellation Cover Policy (Policy), paying attention to what is and isn't covered.

The trip/event cancellation insurance which is included as part of your Ultra plan is provided by the following insurer:

• Wakam, A French société anonyme (public limited company) 120-122, rue Réaumur, 75002 Paris (France), is a non-life insurance company approved by the ACPR 4 Place de Budapest, CS 92459, 75436 PARIS CEDEX 09, under number 4020259, email address: contact@qover.com (Wakam).

Revolut Insurance Europe doesn't control or own Wakam in any way, and they don't control or own Revolut Insurance Europe.

To be eligible for insurance you must be aged 18 or above and you must have paid your trip or event in full with your Revolut Ultra account. There are also the additional eligibility requirements you must satisfy, which depend on whether you are seeking to make a claim under your trip & event cancellation cover. The full list of criteria can be found in the Trip / Event Cancellation Insurance Policy and Insurance Product Information Document. Please read these carefully to make sure the insurance benefits and cover are suitable for your needs and familiarise yourself with important conditions including what is and isn’t covered as well as general exclusions. There is a copy of these documents in the Revolut app. The Policy also includes other information relevant to you, such as the rights of the insurer where you do not follow the terms set out in the Policy, complaints information, information on how the insurer processes your personal data, applicable law and similar.

You cannot cancel your insurance benefit without also cancelling your subscription to the Ultra plan service.

If you don't meet the conditions for having the insurance, this doesn't change the subscription you pay for the Ultra service.

10. Complaints and claims about the trip & event cancellation cover

If you are unhappy with how your insurance was arranged, please get in touch with Revolut Insurance Europe through the Revolut app. Problems can usually be quickly solved in this way. Details for complaints handling are provided in the Insurance Terms.

Complaints about the trip & event cancellation cover

If you want to make a complaint in connection with the trip & event cancellation cover Policy, or in connection with any claim you make under the trip & event cancellation cover Policy, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app. If you send any complaint or claim to us, we will pass it on to Qover without dealing with it.

How to make a claim under the trip & event cancellation cover

If you want to make a claim, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app.

11. Paying your Paid Plan subscription

You can pay your subscription fee in monthly instalments or pay the full subscription once a year. These fees are set out in our Fees Page.

When you become a Paid Plan user we will ask you to pay the subscription from a card you've registered with us (your stored card). We will take the subscription from that stored card while you remain a Paid Plan user.

If we can't take payment from your Personal account balance, we’ll try to take the payment from your stored card but if we’re unable to charge the amount to your stored card for any reason (for example, because it has expired), we will ask you to register another card which will become your new stored card If you don't do this within seven days, we'll take the subscription from your account. We may also take legal steps to collect the payment. If we do, you may have to pay our reasonable costs of doing so.

You may be responsible for paying any taxes or costs that we are not responsible for collecting from you.

Unfortunately, if you do not pay the subscription within 30 days of it becoming due, we may cancel your subscription and downgrade you to a Standard plan.

12. Fees for downgrading your Paid Plan subscription

You can end your Paid Plan subscription at any time (we call this a downgrade). However, you may have to pay a fee. You'll still be able to benefit from the services you get for your subscription until the end of your billing cycle you have paid a subscription for, excluding any break fee. So if you pay your subscription monthly and decide to downgrade, you’ll be able to keep using the subscription within the month that you’ve already paid for; if you pay annually, you’ll have access to your subscription until the end of that annual billing cycle. After then, you'll become a Standard user again (a personal account holder who does not pay a subscription for the Paid Plan service).

Sometimes, we may waive the fee you pay for a downgrade. Where we do this, you might need to promise to do (or not do) certain things to be eligible for the waiver. For example, we might waive your downgrade fee if you sign up to a new plan, but you might need to promise not to cancel that new plan within a certain time. Whether or not we will waive a fee is our decision. We’ll let you know if we are willing to waive a break fee for you (for example, in app or by email).

The fees for ending or downgrading your subscription are set out below.

If you downgrade within 14 days

If you pay your subscription in monthly instalments, we’ll give you a full refund of your subscription. If we sent a Plus Card or Premium Card to you, we’ll charge you the delivery fee, and may deactivate the card. If you ordered a Metal card, we’ll charge you EUR 40 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee. If you ordered an Ultra card, we’ll charge you EUR 50 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee.

If you pay the full subscription once a year, we’ll give you a full refund of your subscription. If we sent a Plus Card or Premium Card to you, we’ll charge you the delivery fee, and may deactivate the card. Please refer to your plan’s fees page for current information on delivery fees. If you ordered a Metal card, we’ll charge you EUR 40 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee. If you ordered an Ultra card, we’ll charge you EUR 50 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee. Please refer to your plan’s fees page for current information on delivery fees.

If you downgrade after 14 days but within 6 months for Ultra users

If you pay your subscription in monthly instalments, we won't make any refund and you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription, and you will also be charged an additional month as break fee. This is a break fee and you will not be able to benefit from the services for an additional month, you’ll only be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for. If you ordered an Ultra card, we will not charge you for the card or any delivery fee.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee, a fee for the Ultra Card or the delivery fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

If you downgrade after more than 6 months for Ultra users

If you pay your subscription in monthly instalments, you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

If you downgrade after 14 days but within 10 months for any other Paid Plan users

If you pay your subscription in monthly instalments, we won't make any refund and you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription. We'll also charge a break fee equal to two months' subscription. This is a break fee and you will not be able to benefit from the services for an additional two months, you’ll only be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

If you downgrade after more than 10 months for any other Paid Plan users

If you pay your subscription in monthly instalments, you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

13. When can we end your Paid Plan subscription?

We can suspend access to your account and end your Paid Plan subscription immediately if:

• we suspect you are behaving fraudulently or otherwise criminally;
• you haven't given us the information we need, or we have good reason to believe that the information you have given us is false;
• you have broken these terms and conditions in a serious or persistent way;
• you owe us money and, despite us asking you to pay us, you have not done so within a reasonable period of time;
• you've been declared bankrupt; or
• we must do so under any law, regulation, court order or supervisory authority's instructions.

We may also end your subscription for other reasons, but we will give you at least two months' notice through the app, by text message or in an email.

14. Legal bits and pieces

We can change these terms

We can change these terms and conditions, but we'll only do so for the following reasons:

• if we think it will make them easier to understand or more helpful to you;
• to reflect the way our business is run, particularly if the change is needed because of a change in the way any financial system or technology is provided;
• to reflect legal or regulatory requirements that apply to us;
• to reflect changes in the cost of running our business; or
• because we are changing our products or services or introducing new ones.

If we add a new product or service that doesn't change these terms and conditions, we may add the product or service immediately and let you know before you use it.

Otherwise, we'll give you at least 2 months’ notice through the Revolut app and/or email before we make any change.

We'll assume you're happy with the change unless you tell us that you want to close your account before the change comes into effect.

If you do not agree with the proposed changes, you have the right to reject them. If you reject the changes, you may terminate your contract with us free of charge. You can do this at any time before the date the changes would have taken effect.

Our contract with you

Only you, Revolut Bank and, if expressly indicated in these terms, Revolut Insurance Europe have any rights under the agreement.

The agreement is personal to you and you cannot transfer any rights or obligations under it to anyone else.

Our right to transfer

You agree and permit us to merge, reorganize, spin-off, transform or execute any other form of reorganization or restructuring of our company or business and/or transfer or assign all of our rights and obligations under these terms and conditions to any third party.

We will only transfer any of your and our rights or obligations under the agreement if we reasonably think that this won’t have a significant negative effect on your rights under these terms or we need to do so to keep to any legal or regulatory requirement, or it is done as a result of implementation of reorganization (or a similar process).

Lithuanian law applies

The laws of the Republic of Lithuania apply to these terms and conditions and the agreement. Despite this, you can still rely on the mandatory consumer protection rules of the EEA country where you live.

The English version of the agreement applies

If these terms and conditions are translated into another language, the translation is for reference only and the English version will apply.

Our right to enforce the agreement

If you have broken the agreement between you and us and we don’t enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing them at a later date.

Taking legal action against us

Legal action under these terms and conditions can only be brought in the courts of the Republic of Lithuania (or in the courts of any EU Member State where you reside).

Privacy

Your personal data will be processed in line with the customer privacy notice that applies to your account, which you can find here.

Cryptocurrency & Precious Metals

This page shows the terms for the services provided to you by us, Revolut Bank. Some sections of these terms expressly indicate the services provided to you by Revolut Insurance Europe.

The Precious Metals products are offered by our UK company, Revolut Ltd, under the Commodities Services Terms. Cryptocurrency products are offered by Revolut Digital Assets Europe Limited (“RDAEL”) under the Cryptocurrency Terms.

Part IV

Revolut Bank UAB - For Revolut Bank UAB customers who subscribed to a Paid Plan (including by upgrade or downgrade) as of 06 August 2024 or who signed up to RevPoints

If you have subscribed to a Paid Plan (including by upgrade or downgrade) as of 06 August 2024 or have signed up to RevPoints, this version of our Paid Plans Terms applies to you from 28 January 2026. If you would like to see the previous version of these terms, please click here.

If you have subscribed to a Paid Plan before 06 August 2024 and have neither upgraded/downgraded to a different plan nor have subscribed to RevPoints, please see Part III above for the terms relevant to you.

1. Why this information is important

This information sets out the extra services we provide to our Plus, Premium,Metal and Ultra (each a Paid Plan) users. It also sets out other important things that you need to know.

These terms and conditions are part of the legal agreement (the Agreement) between you and us referred to in the Personal Terms . If there is any inconsistency between the Personal Terms and these terms and conditions, these terms and conditions will prevail.

You can ask for a copy of these terms and conditions through the Revolut app (“the app”) or you can request a copy from one of our support agents at any time.

Please read these terms and conditions carefully

Your subscription for the Paid Plan service will automatically renew every year unless you give us notice to end it before the automatic renewal. Regardless of how you pay your subscription, we may charge a fee if you end the subscription within 10 months of it starting. Our fees are set out in the Fees Page.

We may restrict your right to upgrade or downgrade your subscription more than once in a 12-month period.

Please see section 12 of these terms for more information about what fee you may be charged if you downgrade or cancel your subscription early.

2. About us

We are Revolut Bank UAB (Revolut Bank), an authorised bank which is regulated by the Bank of Lithuania. Our company number is 304580906.

In relation to the business of insurance distribution, Revolut Insurance Europe UAB (Revolut Insurance Europe), company number 305910164, is enrolled by the Bank of Lithuania on the list of insurance brokerage undertakings. This list can be found on the website of the Bank of Lithuania.

Revolut Bank and Revolut Insurance Europe both have their registered office at Konstitucijos ave. 21B, 08130 Vilnius, the Republic of Lithuania.

Except where these terms and conditions say otherwise, the rights and obligations set out in these terms apply to you and Revolut Bank.

3. What are the Paid Plan services?

What are the Revolut Plus services?

Plus users have access to all the services available to personal account holders on a Standard plan, as well as the following benefits:

• two free Revolut Plus cards (and one free replacement each subsequent year);
• up to three active physical Revolut cards at any one time;
• access to up to 2 Revolut - Kids & Teens accounts and full access to Revolut - Kids & Teens features;
• higher interest rates for Savings Vaults than for Standard customers (when they are available to us);
• access to Purchase Protection, Refund Protection and Ticket Cancellation Insurance for purchases made with your Revolut account; and
• priority customer support through the app.

What are the Revolut Premium services?

Premium users have access to all the services available to Standard and Plus users above, as well as the following benefits:

• two free Revolut Premium cards (and one free replacement each subsequent year);
• double the free ATM withdrawal allowance of Standard users;
• travel insurance;
• the opportunity to buy discounted lounge passes;
• free lounge access for flight delays; and
• access to cryptocurrency and precious metals at better rates than Standard and Plus users.

What are the Revolut Metal services?

Metal users have access to all the services and benefits available to Standard, Plus and Premium users above, as well as the following benefits:

• one free contactless stainless steel Revolut Metal card;
• four times the free ATM withdrawal allowance of Standard users;
• higher interest rates for Savings Vaults (where they are available to us);
• access to up to 5 Revolut - Kids & Teens accounts; and
• any other benefits we add from time to time.

What are the Revolut Ultra services?

Ultra users have access to all the services and benefits available to Standard, Plus, Premium and Metal users listed above (except for free lounge access for flight delays) as well as the following benefits:

• one free contactless Revolut Ultra card;
• reduced fees for stock trading;
• additional trip & event cancellation cover (excluding users in the countries listed in this FAQ);
• complimentary lounge passes for personal use and the opportunity to buy passes for your guests;
• ten times the free ATM withdrawal allowance of Standard users;
• Plan Partnerships;
• in-app calls (in English only); and
• any other benefits we add from time to time.

4. What are the Paid Plan cards?

Revolut Plus card

If you become a Plus user you'll be able to order a Revolut Plus Card. We'll also issue an extra Plus Card if you ask for one. You can still use other Revolut cards you have.

We may charge fees for any Plus Cards that we issue above your free allowance.

Revolut Premium Card

If you become a Premium user you'll be able to order a Revolut Premium Card with exclusive designs. We'll also issue an extra Premium Card if you ask for one. You can still use other Revolut cards you have.

We may charge fees for any Premium Cards that we issue above your free allowance.

Revolut Metal Card

If you upgrade to Metal, we'll issue you with a Revolut Metal Card that is only available to Metal users. You can only hold one Metal Card at any time. You can still use other Revolut cards you have.

Revolut Ultra Card

If you upgrade to Ultra, we'll issue you with a Revolut Ultra Card that is only available to Ultra users. You can still use other Revolut cards you have.

Insurance

5. Travel insurance as part of your Premium, Metal or Ultra subscription

If you have signed up to Revolut Premium services as of 06 August 2024, travel insurance is only available until 31 December 2025. Sign-up to RevPoints alone (meaning you are already a Revolut Premium user when signing up to RevPoints) does not result in the time limit on availability.

The rights and obligations set out in this section apply to you as beneficiary of the group policy held by Revolut Bank, Revolut Bank as a group policy holder and Revolut Insurance Europe as an insurance broker distributing the group policy. This section describes:

• how Revolut Insurance Europe arranges collective travel insurance for Revolut Bank to be able to offer travel insurance benefits as part of your subscription; and
• how a non-life insurance company Steadfast Insurance Partners Limited (the underwriter) and Cover Genius B.V. (the policy administrator) are responsible to you for handling any claim you make in relation to your travel insurance benefits, and for making any payments to you after a successful claim (via https://www.xcover.com/en/login). Their registration details are as follows:
• Steadfast Insurance Partners Ltd - (Malta Company Registration Number C 55905), Level 3, Gasan Centre, Triq il- Merghat, Zone 1, Central Business District, Birkirkara, CBD 1020, Malta. Steadfast Insurance Partners Limited is authorised under the Insurance Business Act 1998 of the laws of Malta to carry out general business and is regulated by the Malta Financial Services Authority, Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta ("Steadfast").
• Cover Genius Europe B.V. of John M. Keynesplein 12 46, Amsterdam, the Netherlands, authorised and regulated by the Dutch Authority for Financial Markets (AFM) under reference number 12046177 (“Cover Genius”).

We know that when you’re looking forward to travelling the last thing you want to do is arrange insurance. This is why we at Revolut arrange travel insurance benefits for you. Revolut Bank has engaged Revolut Insurance Europe - an insurance brokerage company that carries out the activity of insurance mediation - to arrange the collective travel insurance on behalf of Revolut Bank. Revolut Insurance Europe has arranged the travel insurance from the third party travel insurer Steadfast through services provided by Cover Genius. For this arrangement, Revolut Bank pays a service fee to Revolut Insurance Europe.

Revolut Insurance Europe and Revolut Bank don't control or own Steadfast or Cover Genius in any way, and Steadfast and Cover Genius do not control or own us.

Whilst we have a contractual obligation to arrange your travel insurance with Steadfast and Cover Genius, Revolut Insurance Europe acts on your and not the insurer’s behalf, we will not provide you with advice or a recommendation on the suitability of the travel insurance benefits for you. We provide information on our role in arranging your insurance, along with links to important documents from your insurance provider. Please read these carefully to make sure the insurance benefits and cover are suitable for your needs and familiarise yourself with important conditions, including what is and isn’t covered as well as general exclusions (specifically those relating to pre-existing medical conditions, and age eligibility for the insurance).

You can find the Insurance Policy and the Insurance Product Information Document (IPID) for your plan here:

• Premium Insurance Policy and Insurance Product Information Document;
• Metal Insurance Policy and Insurance Product Information Document;
• Ultra Insurance Policy and Insurance Product Information Document.

If you are an Ultra user, please note that trip cancellation is covered separately under your trip & event cancellation cover as set out below.

You cannot cancel your insurance benefits without also cancelling your subscription to the Premium, Metal or Ultra service.

To be eligible for travel insurance benefits you must be aged over 18. More detailed information about your insurance benefits is provided in the Policy Wording and IPID. Please read them carefully. There is a copy of these documents in the Revolut app. The Policy Wording also include other information relevant to you, such as the rights of the insurer where you do not follow the terms set out in the Conditions for Beneficiaries, claims information, information on how the insurer processes your personal data, applicable law and similar.

The continuing provision, scope and terms of the travel insurance benefits may be changed or cancelled by us or by the Travel Insurer at any time. Wherever possible, we will give you advance notice of any detrimental changes to or cancellation of the insurance benefits.

If you don't meet the conditions for having the insurance benefits, this doesn't change the subscription you pay for the Premium, Metal or Ultra plan.

6. Complaints and claims for Travel insurance

If you are unhappy with how your travel insurance was arranged, please get in touch through the Revolut app. Problems can usually be quickly solved in this way. Details for complaints handling are provided in the Insurance Terms.

Complaints about the travel insurance

If you want to make a complaint in connection with the travel insurance benefits, please contact Cover Genius directly.

You can find out how to do this in the insurance section of the Revolut app. Cover Genius will handle your complaint and communicate with you in English, unless they tell you otherwise. If you send any complaint to us, we will pass it on to Cover Genius without dealing with it.

How to make a claim with respect to your travel insurance benefits

If you want to make a claim, please contact Cover Genius (trading as “XCover”) directly. You can find out how to do this in the insurance section of the Revolut app. XCover will handle your claim and communicate with you in English, unless they tell you otherwise.

7. Purchase, refund, and ticket cancellation insurance as part of your Paid Plan subscription

The rights and obligations set out in this section apply to you and Revolut Insurance Europe. This section describes:

• how Revolut Insurance Europe arranges purchase protection, refund protection and ticket cancellation insurance as part of your subscription with Revolut Bank and distributes it to you; and

• how an insurance intermediary appointed by our insurance partners, QOVER SA, registered with the Crossroads Bank for Enterprises under number 0650.939.878 (RLE Brussels) and registered at FSMA as an untied insurance agent under number 0650.939.878 (Qover), is administering the product and is responsible for handling any claim you make under your purchase protection, refund protection and ticket cancellation insurance, and for making any payments to you after a successful claim.

We know that when you're looking forward to buying a new phone, laptop or tickets to your favourite concert the last thing you want to do is arrange insurance. This is why purchase protection, refund protection and ticket cancellation insurance has been included in the plan for you, providing you with specified levels of protection depending on the item purchased on your Revolut Card. Revolut Insurance Europe will not provide you with advice or a recommendation on the suitability of this insurance for you. Please make sure the insurance is suitable for you by reading the insurance product information document (IPID), statement of insurance and the Purchase Protection, Refund Protection, Ticket Cancellation Insurance Master Policy Terms & Conditions (Policy), paying attention to what is and isn't covered.

Revolut Insurance Europe has worked with the following insurance providers to be able to include purchase protection, refund protection and ticket cancellation insurance as part of your Paid Plan:

• to customers in all EEA jurisdictions: Chubb European Group SE is a non-life insurance undertaking governed by the provisions of the French insurance code and authorised and regulated by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) with registration number 450 327 374 RCS Nanterre and the following registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France, email address: contact@qover.com (Chubb); ​​and

• to customers in all EEA jurisdictions, except for Liechtenstein: Wakam, A French société anonyme (public limited company) 120-122, rue Réaumur, 75002 Paris (France), is a non-life insurance company approved by the ACPR 4 Place de Budapest, CS 92459, 75436 PARIS CEDEX 09, under number 4020259, email address: contact@qover.com (Wakam).

Revolut Insurance Europe doesn't control or own Chubb / Wakam in any way, and Chubb / Wakam don't control or own Revolut Insurance Europe.

Revolut Insurance Europe is carrying out insurance distribution on behalf of the insurers Chubb / Wakam. You do not have to pay anything to Revolut Insurance Europe for arranging the insurance with Chubb and Wakam - Revolut Insurance Europe may receive profit share commission from Chubb and Wakam, and receives a service fee from Revolut Bank for insurance intermediary services.

You cannot cancel your insurance cover without also cancelling your subscription to the Paid Plan.

To be eligible for purchase protection, refund protection and ticket cancellation insurance you must be aged 18 or above and you must have made the relevant purchase in full with your Paid Plan account. There are also additional eligibility requirements you must satisfy, which depend on whether you are seeking to make a purchase protection, refund protection or ticket cancellation claim. The full list of criteria can be found in the Purchase, Refund Protection Ticket Cancellation Policy and Insurance Product Information Document. Please read these carefully to make sure the insurance benefits and cover are suitable for your needs and familiarise yourself with important conditions including what is and isn’t covered as well as general exclusions. There is a copy of these documents in the Revolut app. The Policy also includes other information relevant to you, such as the rights of the insurer where you do not follow the terms set out in the Policy, complaints information, information on how the insurer processes your personal data, applicable law and similar.

If you don't meet the conditions for having the insurance, this doesn't change the subscription you pay for your Paid Plan.

8. Complaints and claims about purchase, refund, and ticket cancellation insurance

If you are unhappy with how your insurance was arranged, please get in touch with Revolut Insurance Europe through the Revolut app. Problems can usually be quickly solved in this way. Details for complaints handling are provided in the Insurance Terms.

Complaints about the purchase protection, refund protection and ticket cancellation insurance

If you want to make a complaint in connection with the purchase protection, refund protection and ticket cancellation insurance policy, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app. If you send any complaint or claim to us, we will pass it on to Qover without dealing with it.

How to make a claim under the purchase protection, refund protection and ticket cancellation insurance

If you want to make a claim, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app.

9. Trip & event cancellation cover as part of your Ultra subscription

The rights and obligations set out in this section apply to you and Revolut Insurance Europe. This section and the following section describes:

• how you will receive trip & event cancellation cover as part of your Ultra plan subscription; and

• how an insurance intermediary QOVER SA, registered with the Crossroads Bank for Enterprises under number 0650.939.878 (RLE Brussels) and registered at FSMA as an untied insurance agent under number 0650.939.878 (Qover), is responsible to you for handling any claim you make under your trip & event cancellation cover, and for making any payments to you after a successful claim.

We know that life happens and the last thing you want is to lose all of your money when you have to cancel a trip or event. This is why the trip & event cancellation cover for trips and events has been included with your Ultra plan for you. Revolut Bank has engaged Revolut Insurance Europe - an insurance brokerage company that carries out the activity of insurance mediation - to arrange the collective trip/event cancellation insurance benefits for you. For this arrangement, Revolut Bank pays a service fee to Revolut Insurance Europe.

Revolut Insurance Europe will not provide you with advice or a recommendation on the suitability of this insurance for you. Please make sure the insurance is suitable for you by reading the insurance product information document (IPID), statement of insurance and the Trip & Event Cancellation Cover Policy (Policy), paying attention to what is and isn't covered.

The trip/event cancellation insurance which is included as part of your Ultra plan is provided by the following insurer:

• Wakam, A French société anonyme (public limited company) 120-122, rue Réaumur, 75002 Paris (France), is a non-life insurance company approved by the ACPR 4 Place de Budapest, CS 92459, 75436 PARIS CEDEX 09, under number 4020259, email address: contact@qover.com (Wakam).

Revolut Insurance Europe doesn't control or own Wakam in any way, and they don't control or own Revolut Insurance Europe.

To be eligible for insurance you must be aged 18 or above and you must have paid your trip or event in full with your Revolut Ultra account. There are also the additional eligibility requirements you must satisfy, which depend on whether you are seeking to make a claim under your trip & event cancellation cover. The full list of criteria can be found in the Trip / Event Cancellation Insurance Policy and Insurance Product Information Document. Please read these carefully to make sure the insurance benefits and cover are suitable for your needs and familiarise yourself with important conditions including what is and isn’t covered as well as general exclusions. There is a copy of these documents in the Revolut app. The Policy also includes other information relevant to you, such as the rights of the insurer where you do not follow the terms set out in the Policy, complaints information, information on how the insurer processes your personal data, applicable law and similar.

You cannot cancel your insurance benefit without also cancelling your subscription to the Ultra plan service.

If you don't meet the conditions for having the insurance, this doesn't change the subscription you pay for the Ultra service.

10. Complaints and claims about the trip & event cancellation cover

If you are unhappy with how your insurance was arranged, please get in touch with Revolut Insurance Europe through the Revolut app. Problems can usually be quickly solved in this way. Details for complaints handling are provided in the Insurance Terms.

Complaints about the trip & event cancellation cover

If you want to make a complaint in connection with the trip & event cancellation cover Policy, or in connection with any claim you make under the trip & event cancellation cover Policy, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app. If you send any complaint or claim to us, we will pass it on to Qover without dealing with it.

How to make a claim under the trip & event cancellation cover

If you want to make a claim, please contact Qover directly. You can find out how to do this in the insurance section of the Revolut app.

11. Paying your Paid Plan subscription

You can pay your subscription fee in monthly instalments or pay the full subscription once a year. These fees are set out in our Fees Page.

When you become a Paid Plan user we will ask you to pay the subscription from a card you've registered with us (your stored card). We will take the subscription from that stored card while you remain a Paid Plan user.

If we can't take payment from your Personal account balance, we’ll try to take the payment from your stored card but if we’re unable to charge the amount to your stored card for any reason (for example, because it has expired), we will ask you to register another card which will become your new stored card If you don't do this within seven days, we'll take the subscription from your account. We may also take legal steps to collect the payment. If we do, you may have to pay our reasonable costs of doing so.

You may be responsible for paying any taxes or costs that we are not responsible for collecting from you.

Unfortunately, if you do not pay the subscription within 30 days of it becoming due, we may cancel your subscription and downgrade you to a Standard plan.

12. Fees for downgrading your Paid Plan subscription

You can end your Paid Plan subscription at any time (we call this a downgrade). However, you may have to pay a fee. You'll still be able to benefit from the services you get for your subscription until the end of your billing cycle you have paid a subscription for, excluding any break fee. So if you pay your subscription monthly and decide to downgrade, you’ll be able to keep using the subscription within the month that you’ve already paid for; if you pay annually, you’ll have access to your subscription until the end of that annual billing cycle. After then, you'll become a Standard user again (a personal account holder who does not pay a subscription for the Paid Plan service).

Sometimes, we may waive the fee you pay for a downgrade. Where we do this, you might need to promise to do (or not do) certain things to be eligible for the waiver. For example, we might waive your downgrade fee if you sign up to a new plan, but you might need to promise not to cancel that new plan within a certain time. Whether or not we will waive a fee is our decision. We’ll let you know if we are willing to waive a break fee for you (for example, in app or by email).

The fees for ending or downgrading your subscription are set out below.

If you downgrade within 14 days

If you pay your subscription in monthly instalments, we’ll give you a full refund of your subscription. If we sent a Plus Card or Premium Card to you, we’ll charge you the delivery fee, and may deactivate the card. If you ordered a Metal card, we’ll charge you EUR 40 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee. If you ordered an Ultra card, we’ll charge you EUR 50 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee.

If you pay the full subscription once a year, we’ll give you a full refund of your subscription. If we sent a Plus Card or Premium Card to you, we’ll charge you the delivery fee, and may deactivate the card. Please refer to your plan’s fees page for current information on delivery fees. If you ordered a Metal card, we’ll charge you EUR 40 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee. If you ordered an Ultra card, we’ll charge you EUR 50 for the card (or the equivalent in the currency of your Revolut account), plus any delivery fee. Please refer to your plan’s fees page for current information on delivery fees.

If you downgrade after 14 days but within 6 months for Ultra users

If you pay your subscription in monthly instalments, we won't make any refund and you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription, and you will also be charged an additional month as break fee. This is a break fee and you will not be able to benefit from the services for an additional month, you’ll only be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for. If you ordered an Ultra card, we will not charge you for the card or any delivery fee.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee, a fee for the Ultra Card or the delivery fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

If you downgrade after more than 6 months for Ultra users

If you pay your subscription in monthly instalments, you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

If you downgrade after 14 days but within 10 months for any other Paid Plan users

If you pay your subscription in monthly instalments, we won't make any refund and you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription. We'll also charge a break fee equal to two months' subscription. This is a break fee and you will not be able to benefit from the services for an additional two months, you’ll only be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

If you downgrade after more than 10 months for any other Paid Plan users

If you pay your subscription in monthly instalments, you'll have to pay the subscription for the month in which you tell us you'd like to end or downgrade your subscription, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the monthly billing cycle that you’ve paid for.

If you pay the full subscription once a year, we won't refund any of the full year's subscription you paid, but we won't charge a break fee. You’ll also be able to continue using your subscription for the rest of the annual billing cycle that you’ve paid for.

13. When can we end your Paid Plan subscription?

We can suspend access to your account and end your Paid Plan subscription immediately if:

• we suspect you are behaving fraudulently or otherwise criminally;
• you haven't given us the information we need, or we have good reason to believe that the information you have given us is false;
• you have broken these terms and conditions in a serious or persistent way;
• you owe us money and, despite us asking you to pay us, you have not done so within a reasonable period of time;
• you've been declared bankrupt; or
• we must do so under any law, regulation, court order or supervisory authority's instructions.

We may also end your subscription for other reasons, but we will give you at least two months' notice through the app, by text message or in an email.

14. Legal bits and pieces

We can change these terms

We can change these terms and conditions, but we'll only do so for the following reasons:

• if we think it will make them easier to understand or more helpful to you;
• to reflect the way our business is run, particularly if the change is needed because of a change in the way any financial system or technology is provided;
• to reflect legal or regulatory requirements that apply to us;
• to reflect changes in the cost of running our business; or
• because we are changing our products or services or introducing new ones.

If we add a new product or service that doesn't change these terms and conditions, we may add the product or service immediately and let you know before you use it.

Otherwise, we'll give you at least 2 months’ notice through the Revolut app and/or email before we make any change.

We'll assume you're happy with the change unless you tell us that you want to close your account before the change comes into effect.

If you do not agree with the proposed changes, you have the right to reject them. If you reject the changes, you may terminate your contract with us free of charge. You can do this at any time before the date the changes would have taken effect.

Our contract with you

Only you, Revolut Bank and, if expressly indicated in these terms, Revolut Insurance Europe have any rights under the agreement.

The agreement is personal to you and you cannot transfer any rights or obligations under it to anyone else.

Our right to transfer

You agree and permit us to merge, reorganize, spin-off, transform or execute any other form of reorganization or restructuring of our company or business and/or transfer or assign all of our rights and obligations under these terms and conditions to any third party.

We will only transfer any of your and our rights or obligations under the agreement if we reasonably think that this won’t have a significant negative effect on your rights under these terms or we need to do so to keep to any legal or regulatory requirement, or it is done as a result of implementation of reorganization (or a similar process).

Lithuanian law applies

The laws of the Republic of Lithuania apply to these terms and conditions and the agreement. Despite this, you can still rely on the mandatory consumer protection rules of the EEA country where you live.

The English version of the agreement applies

If these terms and conditions are translated into another language, the translation is for reference only and the English version will apply.

Our right to enforce the agreement

If you have broken the agreement between you and us and we don’t enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing them at a later date.

Taking legal action against us

Legal action under these terms and conditions can only be brought in the courts of the Republic of Lithuania (or in the courts of any EU Member State where you reside).

Privacy

Your personal data will be processed in line with the customer privacy notice that applies to your account, which you can find here.

Cryptocurrency & Precious Metals

This page shows the terms for the services provided to you by us, Revolut Bank. Some sections of these terms expressly indicate the services provided to you by Revolut Insurance Europe.

The Precious Metals products are offered by our UK company, Revolut Ltd, under the Commodities Services Terms. Cryptocurrency products are offered by Revolut Digital Assets Europe Limited (“RDAEL”) under the Cryptocurrency Terms.