Revolut appears on statements in several forms, and some of them are money arriving rather than leaving. This is unusual among the entries in this directory and worth establishing first.
| Entry | Direction | What it is |
|---|---|---|
REVOLUT**CASHBACK | In | A cashback reward credited to you |
REVOLUT*TOPUP | Out | Money moved from your bank into your Revolut balance |
| Plan fee | Out | A recurring subscription for a paid Revolut tier |
| Card purchase | Out | Spending done on the Revolut card itself |
A top-up is not spending. It is your own money moving between two accounts you control, and it will appear again as spending when you actually use it.
Paid plans
Revolut sells several account tiers above the free one, each a recurring monthly or annual fee. Annual billing produces one larger charge a year.
Plans are frequently started on a free trial attached to a promotion, or upgraded to access a specific feature such as better exchange rates for a trip. A recurring Revolut charge unconnected to any spending is almost always a plan fee.
Why a purchase amount changes slightly
Spending abroad is converted at the interbank rate, and conversions made at weekends may attract a markup because currency markets are closed. A charge that settles marginally differently from what the app first showed is usually this rather than a fee you were not told about.
Fair usage limits on free currency exchange also apply on lower tiers, so a fee can appear once a monthly threshold is passed.
If you did not open a Revolut account
A Revolut top-up from your bank account that you did not initiate is a serious signal, because it indicates someone may have linked your account to a Revolut profile. Contact your bank immediately rather than contacting Revolut first, and treat it as an unauthorised payment.