How to Close a Revolut Account in the UK (2026)?: Step-by-Step Guide, Fees and Expert Review

Closing a Revolut account in the UK is usually straightforward, but deleting the app or withdrawing the remaining balance does not automatically close the account.

Customers must complete pending transactions, clear their balances, address connected financial products and submit a closure request through Revolut.

To close a Revolut account, open the app, tap the profile icon in the top-left corner, select Account, choose Close account and follow the instructions. Revolut will confirm the closure once the required conditions have been satisfied.

Our financial review of the process examines more than the final closure button.

For individuals, freelancers and business owners, the most important considerations include protecting transaction records, transferring money safely, avoiding unnecessary charges and ensuring future payments are not disrupted.

This 2026 guide explains how to close a Revolut account, what to do when closure is blocked, how much it may cost and whether switching to another account is a better financial decision.

Can You Close a Revolut Account Permanently?

Yes. Revolut allows eligible UK customers to close their personal accounts through its mobile application. Customers who cannot access the app can request assistance from Revolut support.

However, permanent account closure is different from temporarily stopping use of the service.

Revolut does not generally allow customers to reactivate a closed personal account. Anyone wanting to use the service again may need to open a new account and complete the applicable verification checks.

Before submitting a closure request, customers should distinguish between three actions:

For someone who rarely uses Revolut, moving to the free Standard plan may be more practical than permanently closing the account.

However, customers who prefer a different financial provider or no longer need Revolut’s services can request closure.

What Should You Do Before Closing Your Revolut Account?

Our analysis indicates that preparing the account properly is generally more important than the final closure step.

Revolut requires customers to resolve several financial and administrative matters before they can close their accounts.

These include:

1. Transfer or withdraw money from all currency accounts.
2. Empty Pockets and other relevant account balances.
3. Close or settle savings and investment products where required.
4. Complete pending card payments and bank transfers.
5. Cancel or move recurring payments and subscriptions.
6. Resolve outstanding chargeback requests.
7. Downgrade any paid subscription plan to Standard.
8. Address active Kids & Teens accounts and relevant insurance products.
9. Settle outstanding charges or other obligations.
10. Download account statements and other important documents.

A zero main-account balance is not necessarily enough. Customers should check whether funds remain in savings products, additional currencies or connected financial accounts.

Official Revolut account closure requirements showing the conditions customers must complete before closing their personal accounts.

How to Close a Revolut Account Step by Step?

Once all outstanding conditions have been satisfied, the personal account closure process can normally be completed directly through the Revolut app.

Step 1: Open the Revolut App

Launch the latest version of Revolut on your mobile phone.

Sign in using your registered account credentials and complete any requested authentication.

Customers should ensure their account is accessible and that no security restrictions prevent account management.

Step 2: Open Your Profile

On the main Revolut screen, tap the profile icon in the top-left corner.

This opens the area where customers can manage their personal details, settings and account preferences.

Step 3: Select Account

Inside the profile section, select Account.

Look for the option labelled Close account.

Depending on the app version and account status, Revolut may show additional information before allowing the closure to proceed.

Step 4: Select Close Account

Tap Close account and follow the on-screen prompts.

Revolut may ask customers to resolve outstanding requirements or confirm their intention to permanently close the account.

Read the information carefully before submitting the final confirmation.

Step 5: Confirm Account Closure

After the closure request has been processed, Revolut will send a confirmation.

Customers should retain the confirmation for their financial records.

If an error appears or the request cannot proceed, review the outstanding requirements rather than repeatedly attempting to close the account.

Official Revolut instructions explaining how to access Profile, select Account and choose Close account.

How Do You Withdraw Money From Revolut Before Closing It?

Moving your money to another financial account is an essential part of preparing for closure.

For UK customers, a standard domestic bank transfer is generally the most straightforward way to move funds.

The process normally involves opening Revolut, selecting Payments, choosing a bank recipient, entering the receiving account details and confirming the transfer.

Customers who are moving their savings or remaining balance can follow the detailed process for transferring money from Revolut to a UK bank account.

Before confirming a transfer, check the receiving bank details, currency, applicable fees and estimated arrival time.

Example: Closing a Revolut Account With £1,250 Remaining

Consider a customer who wants to move their money to a Barclays account.

Assuming the transfer is eligible for Revolut’s standard free domestic GBP service and no other charges or transactions apply, the customer can move the full balance without paying a bank-transfer fee.

However, transferring the entire balance is only one requirement. Any pending payments, subscriptions or linked products must also be addressed.

What If You Have Money in Different Currencies?

Customers holding euros, dollars or other currencies must also clear those balances.

For example, someone with £500 and €200 cannot close the account simply by moving the £500 to another UK bank.

The euro balance must also be transferred, exchanged or otherwise withdrawn through a supported method.

Currency exchange or international transfers may involve additional charges depending on the transaction, the customer’s plan and the applicable exchange conditions.

Our financial assessment suggests checking the final receiving amount before exchanging money purely to prepare for closure.

What If Only a Small Balance Remains?

A small balance may be below the minimum amount permitted for an external transfer.

Revolut identifies several possible options:

• Add enough money to reach the minimum transfer amount, then transfer the balance.
• Send the small amount to another Revolut customer.
• Use the available in-app donation feature, where eligible.

Customers should select an appropriate option rather than abandoning the account with a remaining balance.

What Happens to Revolut Savings, Investments and Crypto When You Close Your Account?

Revolut operates several financial services within the same application. This creates additional closure requirements for customers who use savings and investment products.

Revolut Savings Accounts

Customers holding money in an Instant Access Savings account should close or settle that account before completing the main personal account closure.

Revolut’s savings closure instructions are:

1. Open Home and select Accounts.
2. Choose Instant Access Savings.
3. Tap More.
4. Select Close account.

The savings balance should move to the main Revolut account.

However, there is an important detail that customers may overlook.

Accrued savings interest may be credited to the main account on the following day.

Revolut advises customers to keep their main account open until the outstanding interest has been paid.

For example, a customer who closes a savings account containing £4,000 should not automatically assume that every final interest payment has already arrived.

It is sensible to check the main account balance again before initiating permanent closure.

Official Revolut savings closure guidance explaining how to close an Instant Access Savings account and receive outstanding interest.

Revolut Investment Accounts

Customers who hold shares or other investments must also address their investment account.

Revolut provides a separate closure process through Invest, More, Settings and Close investment account.

Importantly, selling investments and reducing the balance to zero does not automatically close the investment account itself.

Closing an investment account can involve selling assets and transferring the proceeds.

This may create capital gains or losses, which could have tax consequences depending on the customer’s circumstances.

Investors should therefore consider the potential tax implications before liquidating holdings solely to close their Revolut account.

Revolut Cryptocurrency Holdings

Customers holding cryptocurrency through Revolut should review the available withdrawal, sale or transfer options before closure.

Revolut’s account closure guidance requires relevant assets and account balances to be cleared.

A cryptocurrency sale may also create tax consequences, depending on the amount realised, acquisition cost and applicable UK rules.

From a financial planning perspective, customers should not assume that cryptocurrency transactions are automatically tax-free simply because the proceeds remain within the same application.

How Do You Cancel Revolut Subscriptions and Direct Debits Before Closure?

One of the biggest practical risks is closing a financial account before moving regular payments elsewhere.

Customers may use Revolut for gym memberships, streaming subscriptions, insurance premiums, online software, utility payments and other recurring expenses.

These payments do not all operate in the same way.

A Direct Debit is different from a recurring card payment, and a standing order is another type of payment instruction.

Before closing the account, identify every active arrangement and update the payment details with the relevant company.

The procedure for cancelling a Direct Debit in the UK is especially relevant when moving household bills to another bank.

Remember that cancelling a payment instruction does not automatically end the underlying contract.

Example: Moving Monthly Payments Away From Revolut

Suppose a customer has the following payments connected to Revolut.

If the customer closes Revolut without updating these services, future collections could fail.

That may cause unpaid bills, interrupted services or late-payment consequences.

For entrepreneurs and freelancers, the financial disruption can be more significant if important software subscriptions or business services depend on the card being closed.

Does It Cost Money to Close a Revolut Account?

Revolut does not generally charge a separate fee simply for closing a personal account.

However, customers may still have to settle charges associated with their existing services.

These could include paid-plan cancellation fees, outstanding card charges, currency exchange costs or other contractual obligations.

The biggest distinction is between the cost of closing an account and the costs of unwinding financial products associated with that account.

For example, a customer with a paid subscription may face a charge when downgrading even though the account closure itself does not carry a separate fee.

Our recommendation is to review the plan’s cancellation terms before initiating the closure process, particularly where a recent upgrade or card order is involved.

Can You Close a Revolut Account Without the App?

Yes. Customers who cannot access their Revolut account may request closure through official customer support.

Revolut provides the email address:

support@revolut.com

The request should clearly state that the account holder wishes to close their personal account and cannot complete the process through the application.

Revolut may require identity verification before processing the request.

For example, a customer who has lost their phone or can no longer access their registered number may need to provide sufficient identifying information through Revolut’s secure process.

Customers should never include passwords, one-time verification codes or complete security credentials in an ordinary email.

Closing an account without app access may take longer if identity checks or outstanding account issues need to be resolved.

Why Is Revolut Not Letting You Close Your Account?

A failed closure request does not necessarily mean that the customer is permanently prevented from leaving.

In many cases, the account still has a financial product, pending payment or other requirement that must be addressed.

Customers who are closing their accounts because of a negative service experience may also want to examine the common problems reported with Revolut before deciding whether the problem is specific to their account or the service itself.

Where an account is restricted, customers should contact official support and complete the required checks. Closure should not be treated as a way of bypassing an investigation or outstanding financial obligation.

How Long Does It Take to Close a Revolut Account?

For an eligible personal account with a zero balance and no outstanding requirements, the final in-app closure process can often be completed immediately.

However, that does not mean every customer can close their account in a few minutes.

Preparation may take longer because of:

• Pending card transactions.
• Unsettled transfers.
• Investment disposal or settlement.
• Outstanding savings interest.
• Active payment disputes.
• Identity or security verification.

For example, a customer who has already transferred their funds and cleared their subscriptions may be able to complete closure promptly.

Another customer who still holds investments or has a pending chargeback may need to resolve those matters first.

There is therefore no single guaranteed completion time that applies to every Revolut customer.

How Do You Close a Revolut Joint Account?

Revolut joint accounts have a separate closure process.

Customers must first bring the joint account balance to zero.

The account can then be closed through the application by selecting Home, Accounts, Joint account, Details and Close Joint account.

Under Revolut’s published UK joint-account arrangements, either account holder can request closure once the required conditions are satisfied, without obtaining separate consent from the other account holder.

This makes advance communication particularly important.

A couple using a joint account to pay rent, council tax or household expenses should agree where those payments will be made before the account is closed.

Once the joint account closes, Revolut deactivates the cards linked to that account and sends account statements to both holders.

How Do You Close a Revolut Business Account?

The process for closing a Revolut Business account differs from personal account closure.

Business owners or authorised administrators should first review the company’s outstanding payments, subscriptions, account balances and financial records.

Revolut’s published UK Business closure process involves:

1. Opening Settings in the Revolut Business app or web portal.
2. Selecting Business account.
3. Choosing Close business account.
4. Selecting a reason for closure.
5. Completing the confirmation process.

The business must also meet applicable conditions, including clearing outstanding balances, settling pending transactions and addressing relevant fees.

Official Revolut Business guidance showing the Settings, Business account and Close business account options.

What Should UK Business Owners Check?

For a company or self-employed professional, closing a banking account is also an operational decision.

Our financial review identifies several matters worth addressing before proceeding.

Customer payments: Inform customers who pay by bank transfer that the company is changing account details.

Supplier payments: Update standing orders, Direct Debits and recurring card arrangements.

Payment processors: Review settlement accounts connected to merchant services and online payment platforms.

Accounting records: Download statements, invoices, transaction histories and other information needed for bookkeeping.

Tax documentation: Keep the records necessary to support VAT, Corporation Tax, Self Assessment or other applicable obligations.

Employee and contractor payments: Ensure payroll and other scheduled transfers will continue through the replacement account.

Entrepreneurs considering a replacement can compare business bank accounts available in the UK before making the change.

Our assessment is that closing a business account without preparing payment infrastructure creates a greater financial risk than closing an unused personal account.

What Happens After You Close Your Revolut Account?

Once Revolut confirms permanent account closure, the account can no longer be used for normal banking activities.

Associated payment cards are deactivated, and customers should not expect to continue using the former account details for receiving payments.

Closing the account also does not necessarily cancel contractual obligations to outside companies.

For instance, a customer who owes money under a subscription or finance agreement remains responsible for the amount legitimately due.

Can You Reopen a Closed Revolut Account?

Revolut states that reopening a closed personal account is generally not possible.

In limited circumstances, customer support may be able to consider reactivation.

However, customers wishing to return are normally encouraged to create a new account.

A previously used email address or mobile number can generally be used when creating a new account, subject to the provider’s requirements.

What Happens to Your Personal Information?

Closing a financial account does not necessarily mean that every transaction record or personal detail is immediately deleted.

Revolut must retain certain information to comply with relevant financial and legal obligations.

Customers may request information about their personal data, but statutory retention requirements can limit immediate deletion.

This is an important distinction between financial account closure and personal data erasure.

Can You Receive a Refund After Closure?

Customers awaiting a refund should try to resolve it before closing the account.

Where a merchant attempts to refund an old card or account after closure, the outcome may depend on the payment route and processing arrangements.

The customer may need assistance from the merchant and Revolut support to trace or recover the payment.

Our recommendation is to retain transaction references, refund confirmations and supporting correspondence until the refund has been received.

Should You Close Revolut or Keep the Standard Account?

Closing Revolut is not necessarily the best financial option for every customer.

Revolut’s Standard personal plan does not have a monthly subscription fee.

Therefore, someone who uses the account only occasionally may prefer downgrading rather than closing it.

The decision depends on the customer’s reason for leaving.

Customers comparing alternatives may find that Revolut and Monzo offer different advantages for everyday UK banking, international spending and financial management.

Another relevant consideration in 2026 is Revolut’s UK banking transition.

Revolut Bank UK Ltd became a fully licensed UK bank in March 2026, although the transition of existing eligible accounts has been phased.

Customers should check their own account documentation rather than relying on outdated information about Revolut’s previous UK e-money arrangements.

Our Expert Review: How Easy Is It to Close a Revolut Account?

Our assessment considers the closure requirements, official instructions, potential costs and practical consequences for UK customers.

The percentage ratings below are editorial assessments, not figures from a customer survey or measured success rates. They are based on five equally weighted criteria, with an overall score calculated as their average.

The strongest aspect of Revolut’s closure process is its relatively simple in-app navigation once an account meets the requirements.

The more complicated part involves customers who use several financial products.

Someone with a single GBP balance and no pending transactions may have a relatively straightforward experience.

A customer managing savings, investments, subscriptions, multiple currencies and joint-account arrangements may need considerably more preparation.

From a business and personal finance perspective, the key measure of a successful closure is not simply how quickly the account disappears from the app.

It is whether the customer can leave without losing access to records, missing important payments or incurring avoidable costs.

Final Verdict

Closing a Revolut account in 2026 is relatively straightforward when the customer has no pending transactions, outstanding balances or connected financial products.

The main process involves clearing the account, cancelling or moving active payments, downloading statements and selecting Close account through the profile settings.

However, customers holding savings, investments or cryptocurrency should review the financial implications carefully before proceeding.

For freelancers and business owners, continuity of income, supplier payments and accounting records should be the priority.

Our final assessment is 80% for the overall closure experience, reflecting a straightforward final procedure but additional complications for customers with several linked financial products.

For anyone who no longer needs Revolut, permanent closure can be a reasonable way to simplify financial management. For customers who only want to eliminate monthly charges, downgrading to Standard may provide a simpler alternative.

Last reviewed: 20 October 2026. Account features, charges and closure requirements may change. This article provides general financial information rather than personalised financial or tax advice.

Frequently Asked Questions

Can I Close My Revolut Account With Money Still in It?

Normally, no. Revolut requires the relevant account and currency balances to be cleared before completing personal account closure.

Can I Close My Revolut Account on the Same Day?

Yes, potentially. If the account meets all closure requirements, the final in-app process may be completed promptly. Pending transactions or other issues can delay it.

Will Closing My Revolut Account Affect My Credit Score?

Closing an ordinary account does not automatically cause a negative credit entry. However, missed repayments or outstanding credit obligations can affect credit history.

Can I Close Revolut Without Paying a Fee?

There is normally no separate personal account closure fee. However, outstanding service charges, paid-plan cancellation costs or transaction fees may still apply.

Will My Revolut Card Stop Working After Closure?

Yes. Cards associated with the closed account are deactivated and can no longer be used for ordinary transactions.

Can I Delete Revolut and Open It Again Later?

Deleting the app does not close the account. If the account has been permanently closed, opening a new account may be necessary.

Do I Need to Close Revolut If I Move Abroad?

A permanent move to another country may require closing the existing country-based account and opening a new one in a supported destination. Temporary travel does not normally require account closure.