© Revolut Bank UK Ltd 2026 If you would like to find out more about which Revolut entity you receive services from, or if you have any other questions, please reach out to us via the in-app chat in the Revolut app. Revolut Bank UK Ltd is registered in England and Wales (Registered No. 12871051). Registered address: 30 South Colonnade, London, E14 5HX. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register No. 981170).Revolut Ltd (No. 08804411) is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 900562). Registered address: 30 South Colonnade, London E14 5HX, United Kingdom. Insurance related-products are arranged by Revolut Travel Ltd which is authorised by the Financial Conduct Authority to undertake insurance distribution activities (FCA No: 780586) and by Revolut Ltd, an Appointed Representative of Revolut Travel Ltd in relation to insurance distribution activities. Investment services are provided by Revolut Trading Ltd (No. 11567840), which is authorised and regulated by the Financial Conduct Authority (FRN: 933846). We are also registered with the Financial Conduct Authority to offer cryptocurrency services under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017. Revolut&#39;s commodities service is not regulated by the FCA.

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Joint Accounts

Revolut Bank UK Ltd is a bank authorised by the Prudential Regulation Authority (FRN: 981170) and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. <h3>1. What is this document?</h3>These terms and conditions (the Joint Account Terms), along with our <a href="https://ravolut.com/legal/group-framework-terms">Group Framework Terms</a>, <a href="https://ravolut.com/legal/terms">Personal Terms</a>, the <a href="https://ravolut.com/legal/personal-current-account-fees">Personal Fees Page</a> and the <a href="https://ravolut.com/legal/joint-accounts-fees">Joint Account Fees Page</a> form the legal agreement between you and Revolut Bank UK Ltd (Revolut/us/we) and apply to you when you use your Revolut Joint Account. These terms also apply to any sub-accounts associated with your Revolut Joint Account, such as those in other currencies or sub-accounts for savings (what we call Pockets). <h3>2. What is your Revolut Joint Account? </h3>Your Revolut Joint Account is a current account that you share with another Revolut customer. The Personal Terms apply to your Revolut Joint Account in full in respect of how your account operates as if the references to Personal Account were to Joint Account, except as stated otherwise in these terms. If there is an inconsistency between the Personal Terms and the Joint Account Terms, the Joint Account Terms will apply. <h3>3. Who can open a Revolut Joint Account and how?</h3>You can open a Revolut Joint Account with another Revolut user through the App if both of you meet these requirements:<ul><li>you are both 18 years or over</li><li>you both have an active Revolut Personal Account with us</li><li>neither of you is part of another Revolut Joint Account or has a pending invite for one</li></ul> You and the other account holder must continue to meet these requirements. If either of you no longer meet these requirements, we may close your Joint Account. To open your Revolut Joint Account, we may ask you and the other account holder questions about yourselves and the source of funds for your Revolut Joint Account. This is to confirm your identity and meet our legal and regulatory obligations. You agree to provide this information to us without delay. If you do not, we may reject your request to open your Joint Account. You also agree that any information that you provide to us will be accurate to the best of your knowledge. What can’t I do? You cannot:<ul><li>open more than one Revolut Joint Account at the same time</li><li>open a Revolut Joint Account with more than one person, or</li><li>use a Revolut Joint Account for business purposes</li></ul> <h3>4. What happens once your Revolut Joint Account is opened?</h3>Once your Revolut Joint Account is open, you are both Joint Account holders with equal legal rights. This means:<ul><li>Both account holders will have equal access and control over the Revolut Joint Account, meaning actions by one can impact the other. Therefore, you should only open a Revolut Joint Account with someone you trust.</li><li>You both jointly own all of the money in the Revolut Joint Account, even if only one of you added the money.</li><li>We may act on instruction from either of you without needing the other’s permission unless we are legally required to act differently, for example, if we receive a court order or if there is a dispute (see section 10 of these terms). </li><li>Either of you can make payments, deposit and withdraw funds, or close the Joint Account without the other’s consent.</li><li>Each of you is jointly and severally liable under these terms and for any instruction that we receive from either of you. This means we can ask one or both of you to pay us any money owed to us in connection with your Joint Account or meet any obligations linked to the account.</li></ul> <h3>5. How do I deposit money into and withdraw money from my Revolut Joint Account?</h3>Please see the Personal Terms for more detail. All methods to deposit and withdraw money are available to you except Payment Links. Any limits which apply to your Personal Account apply to your Personal and Joint Account cumulatively. <h3>6. Where do I see my saved payees in a Revolut Joint Account?</h3>Your Joint Account does not have its own separate list of saved payees. You and the other account holder can each see and use the payees saved to your own Personal Account, but you won&#39;t be able to see or use each other’s saved payees. However, once a payment is made from the Revolut Joint Account, the transaction will appear in the Revolut Joint Account’s transaction history and will be visible to both of you. <h3>7. ‘Open banking’</h3>In addition to what’s already explained in your Personal Terms, each of you can authorise a third-party provider to access your Revolut Joint Account information and/or make payments from your Revolut Joint Account. You can withdraw this consent at any time. If either of you grants such access, the third-party provider will be able to see the names of both Revolut Joint Account holders, even if only one of you gave the authorisation. <h3>8. How can I get information on Revolut Joint Account payments?</h3>Both you and the other Joint Account holder can check all payments into and out of your Joint Account directly on the App. You can also download statements at any time while your Joint Account is open (these statements will be addressed to both of you). If your Revolut Joint Account is closed, we will provide both of you with your Joint Account statements for your records. You won’t be able to access your Joint Account statements in the App after closure, even if you still have a Personal Account with us. <h3>9. Data protection</h3>We need to collect information about you to provide you with the services under these Joint Account Terms. For more information about how we use your personal data, please see our <a href="https://ravolut.com/legal/privacy/">Customer Privacy Notice</a>. <h3>10. What happens if there&#39;s a dispute over a Revolut Joint Account?</h3>If you, or another party acting on your behalf (for example, a lawyer), tell us that there is a dispute between you and the other account holder, we will freeze your Revolut Joint Account. This means that we will stop all outbound payments, including recurring payments (though inbound payments will still be allowed). We will only unfreeze your Revolut Joint Account if we receive written permission from both of you to do so. <h3>11. How is my Revolut Joint Account closed?</h3>Once you have opened your Revolut Joint Account, it will remain open unless you or we close it. If you or we close your Revolut Personal Account, we will also close your Revolut Joint Account. How do I close my Revolut Joint Account? In order to close your Revolut Joint Account, you will need to pay any outstanding charges and fees that remain on your account. Either you or the other account holder can generally close your Revolut Joint Account at any time by letting us know through the App. You must withdraw the money from your Revolut Joint Account before we can close your account. How does Revolut close my account? Please see the Revolut Personal Terms. Any references to you under this section in the Personal Terms apply to both of you individually. If your Joint Account has been temporarily restricted, or there is an ongoing dispute between you and the other Joint Account holder (as explained in section 10 of these terms), we may close your Revolut Joint Account ourselves. However, if you ask us to close your Joint Account while a dispute is ongoing, we may not be able to close it until we have completed our enquiries. <h3>12. What happens if one account holder passes away, becomes insolvent or can no longer manage the Joint Account?</h3>Since you both collectively own the funds in the Revolut Joint Account:<ul><li>if either account holder passes away: the remaining funds belong to the surviving account holder. When we receive official documents or information confirming the death, we’ll close your Revolut Joint Account. The surviving account holder’s right to the money is subject to our right to set off any debts owed to us and our compliance with any legal requirements.</li><li>if both account holders pass away: once we receive the death certificates for both account holders, we will freeze the Revolut Joint Account and await instructions from your respective personal representatives.</li><li>if either account holder is no longer able to make decisions (e.g. due to their health or mental impairment): the other accountholder can continue to manage the Revolut Joint Account and act on their behalf if they provide us with a valid and duly authorised Power of Attorney. If we receive a request to close the Revolut Joint Account from someone holding a valid Power of Attorney for the other account holder, we will action their requests to withdraw money from the account and close it.</li></ul> <h3>13. Legal bits and pieces</h3><table><thead><tr><td width="370.0" >Clause</td><td width="370.0" >Details</td></tr></thead><tbody><tr><td width="370.0" >Entire agreement </td><td width="370.0" >The Joint Account Terms, together with the Group Framework Terms, Personal Terms, the Personal Fees Page, the Joint Account Fees Page and any terms and conditions incorporated by reference in these documents constitute the entire agreement between you and Revolut in relation to the Revolut Joint Account. For the avoidance of doubt, FAQs do not form part of our agreement with you. This provision does not exclude or limit your rights or our obligations under any separate terms which may apply to a specific product of services you choose to access in connection with the Revolut Joint Account. Those additional terms shall form a separate agreement between you and the relevant Revolut entity and, where applicable, must be read in conjunction with the Revolut Joint Account Terms. </td></tr></tbody></table>