Can I get a refund on my Revolut plan fee?

Yes, but only inside a narrow window. Revolut's policy: *'If you signed up for a new plan in the last 14 days and haven't used your account, you can downgrade to a lower-priced plan and receive a refund as a separate transaction.'* Outside 14 days, no pro-rata refund is given on downgrades, you simply keep the paid benefits until the next billing date. Upgrades mid-cycle, by contrast, are refunded instantly for unused days.

Does Revolut charge a cancellation fee?

There's no fee to close a free Standard account. Paid plans don't carry a flat 'cancellation fee', but Revolut's terms warn: *'We may also charge you any cancellation fees that apply to other agreements you've entered into with us (for example, if you cancel your paid plan subscription under the Paid Plan Terms).'* On annual plans, ending early can trigger a 'break fee', which Revolut auto-refunds if you cancel the scheduled downgrade and stay on the plan.

Will I lose my Revolut card and account history if I cancel my paid plan?

No, downgrading the **plan** keeps your account, e-money balance, transaction history and a Standard-tier debit card. You only lose the paid-tier perks (insurance, higher FX limits, lounge access, included subscriptions). However, **closing the whole account** is different, per the terms you 'lose access to the app including other Revolut accounts, services, and any cards you have', so download statements from the app before closure.

What if Revolut ignores my cancellation or refund request?

Escalate by emailing **formalcomplaints@revolut.com**, this triggers Revolut's formal complaints process. They'll acknowledge within 5 business days. If you're not happy with their final response (or 8 weeks pass with no resolution), UK customers can escalate free to the **Financial Ombudsman Service** within 6 months. Revolut Ltd / Revolut Bank UK Ltd are FCA-regulated, so the FOS has jurisdiction.

Can I cancel Revolut Ultra and get a refund of the £55?

Only if you're inside 14 days of signing up to Ultra and you haven't used the account, then Revolut will refund the fee as a separate transaction when you downgrade. Outside that window the £55 is non-refundable and you keep Ultra benefits (lounges, eSIM data, partner subs) until your next billing date. Heavy users of bundled perks usually find a pro-rata refund refused.

How do I cancel Revolut Business?

Sign in online or in the app → **Settings** → scroll to **Close account**. Only the account owner can request closure, and you must first downgrade any paid plan to free, clear all balances and cancel pending transactions. Refund-eligibility mirrors personal plans: a separate refund transaction if you downgrade within 14 days of signup and haven't used the account.

Does Revolut have a free trial I need to cancel?

No, Revolut does not offer a free trial on paid plans. You're billed from day one of subscribing to Plus, Premium, Metal or Ultra. The protection consumers get instead is the 14-day 'unused account' refund window: if you downgrade within 14 days and haven't used the account, the fee is refunded as a separate transaction.

Can I downgrade Revolut Metal to Plus or Standard?

Yes. In the app go to **Profile → Plan → Change plan** and pick a lower tier. The downgrade takes effect at the end of your current billing cycle (no pro-rata refund) unless you're inside the 14-day unused-account window. If you're on an annual Metal plan, a break fee may apply, but it's automatically refunded if you cancel the scheduled downgrade before it takes effect.

REFUND GUIDE

How to Get a Revolut Refund After Downgrading.

Inside 14 days their own policy is on your side; statutory cooling-off rights may stack on top. Outside it, you've still got tools, a clear email, a card-issuer chargeback, the lot. Here's the playbook for Revolut.

Last verified 16 Jun 2026 against Revolut’s own Terms · UK, US, and EU rights covered below

The short answer

Revolut refunds a paid-plan fee only if you downgrade within 14 days of signup AND you haven't used the account, the refund is paid as a separate transaction. Mid-cycle upgrades are pro-rated automatically, but mid-cycle downgrades outside the 14-day window are not, you simply keep the benefits until the next billing date. If your account was temporarily limited, Revolut issues a separate refund covering the days you lost access.

Or let yoink chase the refund.

30 seconds to set up. yoink emails Revolut, cites the policy, escalates if ignored, and surfaces the win when the money lands.

Get yoink (App Store) →

What Revolut actually says

“If you signed up for a new plan in the last 14 days and haven't used your account, you can downgrade to a lower-priced plan and receive a refund as a separate transaction.”
, verbatim from Revolut’s terms

14-day cancellation windowPro-rata refund: noStatutory cooling-off: 14 days in UK + EU on new subs

How long does a Revolut refund take?

Most merchants agree to a straightforward refund within 1 to 3 working days of a well-written email request. Once agreed, the money itself takes another 3 to 5 working days to land, that part is card-network processing and no merchant can skip it. If nothing has arrived 10 working days after a written “refund approved”, reply on the same thread asking for the ARN (acquirer reference number), which your bank can trace.

Note Revolut’s own policy works on a 14-day window, ask inside it and the request is routine; outside it you’re relying on goodwill or statutory rights.

What you can claim

The law where you live is the strongest hook, lead with it when you contact the company.

United Kingdom

Consumer Contracts Regulations 2013
Full refund within the 14-day window.
Inside 14 days of starting any Revolut subscription, you’re entitled to a full refund of any payment taken, no questions, no policy override.
Citizens Advice + Trading Standards
For repeated bad-faith refusals.
Free escalation lane: file with Citizens Advice (08082231133), they pass it to Trading Standards. Slow (8-12 weeks) but creates a paper trail Revolut can’t ignore.

Worldwide

Card-issuer chargeback
Visa/Mastercard chargeback works everywhere they do.
Open a chargeback for “subscription not cancelled” or “services not as described”, your bank initiates, Revolut has ~45 days to defend. Works regardless of where Revolut is headquartered.
PayPal Buyer Protection
If you paid via PayPal, open a dispute.
PayPal’s Buyer Protection covers “item not as described”, applies to services that didn’t deliver. Resolution typically within 20 days.

Rights in other regions (United States, European Union)

United States

Fair Credit Billing Act (FCBA)
Dispute any credit-card charge in writing within 60 days.
For US credit-card payments, the FCBA gives you 60 days from the statement date to dispute a Revolut charge in writing. Your card issuer is required to investigate and may withhold the disputed amount during the process.
California ARL refund right
Refund if cancel was blocked or unclear.
If Revolut made it hard to cancel under California ARL, you’re entitled to a refund of charges taken since the obstruction. Multiple class actions (including against Adobe + Hulu) have set the precedent.

European Union

Consumer Rights Directive 2011/83/EU
14-day withdrawal across all EU member states.
EU-wide statutory right to withdraw and recover any payment within 14 days of subscription start. Mirrored in local law in every EU country.
ECC-Net cross-border escalation
EU Consumer Centre network mediates against EU sellers.
If Revolut is based in another EU country, your local European Consumer Centre will mediate the dispute for free. List of national contacts at commission.europa.eu.

The 4-step refund email

Email the right address
Use support@revolut.com, the route yoink has verified actually gets read for Revolut.
Use a clear subject line
Subject: Refund Request, [your account email]

Send this body

Hi Revolut team,

I'm requesting a refund of the recent charge on my subscription, account [your account email].

Under the Consumer Contracts Regulations 2013, I'm entitled to cancel this contract by notice through the same channel it was formed in. Please confirm by reply that the refund will be processed to my original payment method.

Best,
[your name]

Wait 7-14 days, then escalate
If you haven’t heard back in 14 days, escalate via the regional route above, a card-issuer chargeback works in every market.

Refund FAQ for Revolut

Open the Revolut app → tap your profile icon → **Plan** → **Downgrade to Standard** → **Yes, Proceed**. The downgrade takes effect at the end of your current billing period. If you're within 14 days of signup and haven't used the account, you'll be prompted that you're eligible for a refund. If the in-app flow won't progress, email **support@revolut.com** or ask Rita in chat to escalate to a human agent.