Open Revolut Bank Account in the UK (2025): A Step-by-Step Guide

Open Revolut Bank Account

Revolut has rapidly become a popular choice for banking in the UK, offering a convenient, app-based alternative to traditional banks. Its features, such as international money transfers, budgeting tools, and virtual cards, make it attractive to both residents and visitors. This guide will walk you through the process of opening a Revolut account in the UK in 2025. While the specifics might see minor changes based on app updates, the overall process should remain consistent.

READ ALSO: Finance in the UK

Step 1: Download the Revolut App and Create an Account

The first step is to download the Revolut app from either the Apple App Store or the Google Play Store, depending on your mobile device. Once downloaded, open the app and select “Sign Up.” You’ll be prompted to choose your country of residence. Crucially, select “United Kingdom”.

You’ll then need to provide a valid mobile phone number. Revolut will send you a verification code via SMS; enter this code to proceed.

Next, you’ll create your Revolut account. This typically involves choosing a strong password, providing your email address, and selecting a username (if required). Ensure the contact information you provide is accurate and up-to-date, as Revolut will use this for communication regarding your account.

Step 2: Verifying Your Identity (Know Your Customer – KYC)

This is a vital step for complying with UK financial regulations. Revolut requires you to verify your identity to prevent fraud and money laundering. The verification process usually involves:

• Providing Personal Details: You’ll need to provide your full legal name, date of birth, and address. Ensure all information matches your official government-issued identification documents.
• Uploading Identification Documents: You’ll be asked to upload clear, high-resolution images or photos of your government-issued identification document(s). Acceptable forms of ID usually include a passport or UK driving licence. Follow the app’s instructions carefully to ensure the images meet their requirements; blurry or poorly lit images will likely be rejected.
• Facial Verification (Liveness Check): This is becoming increasingly common with many fintech apps. You might be asked to take a selfie video or series of photos to confirm your identity is genuine and you’re a real person.

The verification process might take a few minutes to a few days, depending on Revolut’s verification processes and the clarity of your submitted documents. You’ll receive a notification within the app once your identity has been verified.

Step 3: Choosing Your Revolut Plan

Revolut offers several plans, each with varying fees and features. The free plan, Standard, provides basic functionalities, but for enhanced features like international money transfers with better exchange rates, higher withdrawal limits, and travel insurance, consider upgrading to a paid plan like Plus, Premium, or Metal. Carefully compare the plans to select the one that best suits your needs and budget.

Step 4: Adding Funds to Your Account

Once your account is fully verified, you can add funds. Revolut supports various funding methods, including:

• Bank Transfer: You can transfer funds from your existing UK bank account to your Revolut account via bank transfer. You’ll receive specific details (like sort code and account number) within the app to make the transfer.
• Debit/Credit Card: You might be able to add funds directly using your debit or credit card. However, there might be additional fees depending on the card type.

Step 5: Exploring Revolut’s Features

Once funded, explore Revolut’s features. This includes:

• Virtual Cards: Create virtual cards for online purchases, providing an extra layer of security.
• Physical Card: Order a physical Revolut card for in-person payments. Shipping times vary.
• International Money Transfers: Send and receive money internationally at competitive exchange rates.
• Budgeting Tools: Utilize Revolut’s budgeting features to track your spending and savings goals.
• Currency Exchange: Convert currencies easily at competitive rates.

Potential Challenges and Troubleshooting:

• Document Rejection: Ensure your identification documents are clear, valid, and meet Revolut’s requirements. Poor-quality images are a frequent reason for rejection.
• Verification Delays: Allow sufficient time for the verification process. Contact Revolut support if you experience significant delays.
• Account Limits: You might initially have limits on the amount of money you can transfer or withdraw. These limits usually increase as you continue to use the account and provide further information.

Tips for a Smooth Application:

• Use a Stable Internet Connection: Ensure a stable internet connection throughout the application process.
• High-Quality Images: Use high-quality, well-lit images of your identification documents.
• Accurate Information: Provide accurate information; any discrepancies can delay or prevent your application.
• Read the Terms and Conditions: Carefully review Revolut’s terms and conditions before agreeing to them.

Opening a Revolut account in the UK is generally a straightforward process. However, ensuring your documents are in order and providing accurate information are key to a smooth and successful application. Remember to always refer to the official Revolut app and website for the most up-to-date information and instructions.

FAQ

• Q: How long does it take to open a Revolut account?
  • A: The account creation process itself is quick, but verification can take a few minutes to a few days depending on the clarity of the documents provided and Revolut’s processing times.
• Q: What identification documents does Revolut accept?
  • A: Typically, passports and UK driving licenses are accepted. Check the Revolut app for the most up-to-date list of acceptable documents.
• Q: What if my identification document is rejected?
  • A: Ensure you’re uploading clear, high-resolution images that meet Revolut’s requirements. If it’s still rejected, contact Revolut support for assistance.
• Q: Is the facial verification (liveness check) mandatory?
  • A: Yes, for security and regulatory compliance reasons, facial verification is typically a required part of the verification process.
• Q: Can I open a Revolut account if I’m not a UK resident?
  • A: While you can download the app and start the process from anywhere, you must select “United Kingdom” as your country of residence and meet all UK regulatory requirements to successfully open a UK-based Revolut account. Different Revolut entities exist for different countries.