Revolut Scam UK: How to Spot Fake Revolut Messages and Protect Your Money
Revolut scammers are getting smarter — but you can stay ahead by knowing exactly what they're copying.
What is this scam?
Revolut scams are fake messages and emails that look like they're from Revolut, the digital payment app. Scammers send you a text or email claiming there's suspicious activity on your account, you need to verify your identity urgently, or your card has been blocked. They include a link to a fake Revolut login page or ask you to reply with personal information. The goal is to steal your Revolut login credentials, two-factor authentication codes, card details, or sensitive documents like photos of your ID.
Once they have access, they log into your real Revolut account, change the password, remove linked bank accounts, and transfer your money out. Sometimes they use a compromised Revolut account to send scam messages to other users, spreading the fraud. This scam is particularly effective because Revolut users often have significant money in their accounts and the app is designed for quick international transfers, making stolen funds hard to recover.
Warning signs to look for
- The message creates false urgency — 'Your account will be frozen in 24 hours' or 'Urgent action required now'.
- The sender's phone number or email address doesn't match official Revolut channels — real Revolut contacts come from @revolut.com email addresses.
- The link in the message doesn't go to the official Revolut app or website (revolut.com) — check the URL carefully before clicking.
- You're asked to provide your full PIN, password, or two-factor authentication codes — Revolut staff will never ask for these.
- The message has spelling or grammar errors, odd phrasing, or uses unusual language that doesn't match Revolut's usual tone.
- You didn't initiate the action being described — you didn't try to withdraw money, change settings, or add a card.
- The design or branding looks slightly off — logos are blurry, colours are wrong, or the layout feels unfamiliar.
- You're directed to a different payment method or app to 'verify' — legitimate Revolut issues are resolved within the Revolut app itself.
How this scam works step by step
Step 1: You receive an SMS or email that appears to come from Revolut. It claims your account has unusual activity, you need to verify your identity, your card is blocked, or you're entitled to a refund. The message includes a link or asks you to reply. Step 2: You click the link, which takes you to a fake Revolut login page that looks very similar to the real one. You enter your email and password, thinking you're logging into your genuine account. Step 3: A second page appears asking for your PIN or two-factor authentication code.
The scammer explains there's extra security needed and requests this information. Step 4: If you provide the code, the scammer now has everything they need. They log into your real Revolut account from their own device while you're on the fake site. Step 5: They immediately change your password, disable your security settings, and link a new bank account they control. Step 6: They transfer all your money out of Revolut to their own account, or use your account to send fraudulent transfers to other victims, implicating you. Within minutes, your money is gone and your account is compromised.
How to verify if it is genuine
If you receive a message claiming to be from Revolut, never click any links or reply to it immediately. Instead, open the Revolut app on your phone directly (don't use any links from the message) and check your account status. If there's a genuine issue, Revolut will show a notification in the app. Log into your Revolut account through the official app and go to Help or Support — real alerts appear there first, not in random texts.
You can also verify by contacting Revolut directly: go to the official Revolut website (revolut.com), find the help section, and initiate a chat with their support team. Never call a number provided in a suspicious message. Check the sender's email address — if it claims to be from Revolut, the domain must be @revolut.com. Be especially cautious of shortened URLs or unfamiliar domains. For help spotting fake websites, read our guide on Is This Website a Scam? A Practical Checklist Before You Buy. Real Revolut messages will never ask for your PIN, password, or full two-factor codes — only scammers do this.
What to do if you have already interacted
If you clicked a link but didn't enter any information, you're likely safe — just delete the message and move on. If you entered your email and password into a fake site but did not provide your PIN or two-factor code, act immediately. Log into your real Revolut app right now. If you can still access your account, change your password immediately to something completely new. Then review your linked bank accounts and payment methods — remove any you didn't add. Check your recent transactions for any transfers you didn't authorise.
If you provided your two-factor authentication code, the scammer likely has full access. Change your password straight away, but be aware they may have already logged in. Contact Revolut support through the app immediately to report the breach. If you notice unauthorised transactions, report them as fraud within the Revolut app. If you sent money directly to the scammer or provided bank details, contact your bank immediately and ask them to block the recipient account. Time is critical — money can be moved out within minutes. Report the scam to Action Fraud (0300 123 2040) and your local police.
Reporting this scam in the UK
If you've received a Revolut scam message, report it immediately. Forward the text message to 7726 (Spam) — this alerts your mobile provider and the NCSC (National Cyber Security Centre). If it's an email, forward it to the NCSC Suspicious Email Reporting Service at report@phishing.gov.uk. Report the scam to Action Fraud online at actionfraud.police.uk or call 0300 123 2040. Provide as much detail as possible: the message content, any links you clicked, your name, the date, and what information you shared.
Also contact Revolut directly through the app's help section and report the phishing attempt — they track these patterns and may warn other users. If money was transferred without your permission, report it as fraud through your bank immediately as well. Citizens Advice consumer helpline (0808 223 1133) can also guide you through the reporting process and your rights if money has been lost. Keep a record of all communications and case numbers — you'll need these for any insurance claim or dispute. The sooner you report it, the sooner authorities can track the scammer and potentially recover your money.
Frequently asked questions
Is Revolut a legitimate company or is it always a scam?
Revolut is a legitimate, regulated UK financial technology company. It's authorised by the Financial Conduct Authority (FCA) and operates legally across the UK and Europe. However, scammers impersonate Revolut using fake messages and clone websites to commit fraud. Always use the official Revolut app to check your account — never trust unexpected messages claiming to be from Revolut.
I already sent money to the scammer. Can I get it back?
Contact your bank or Revolut immediately — mention you've been scammed. Banks can sometimes freeze the recipient's account if they act within hours. If the money was transferred to another bank account, your bank can submit a fraud claim and may recover the funds. This process takes time (typically 10-40 days). Register the scam with Action Fraud (0300 123 2040) for your records. Your chances of recovery are better if you act fast, so contact your bank today.
What should I do if a scammer has changed my Revolut password and I can't access my account?
Open the Revolut app and use the 'Forgot Password' feature to reset it. You'll need access to the email address associated with your account and your phone to receive a verification code. If you can't access these, contact Revolut support immediately through the app or website — they can help you regain access. Once you're back in, change your password, review linked accounts and cards, and check for unauthorised transactions. Also contact your linked bank account to flag the compromise.
Where exactly do I report a Revolut scam in the UK?
Report it in this order: (1) Forward suspicious text messages to 7726 and emails to report@phishing.gov.uk (NCSC); (2) Report to Action Fraud online at actionfraud.police.uk or call 0300 123 2040 with full details; (3) Contact Revolut directly through the app's help section to report the phishing attempt; (4) If money was stolen, contact your bank or Revolut immediately to report fraud; (5) Call Citizens Advice on 0808 223 1133 if you need guidance. Keep all case numbers for your records.