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Prevention and reimbursement · Revolut

Revolut customer: what APP fraud reimbursement actually covers — and why Revolut tops the complaints table.

A sourced, neutral reading of what Revolut states officially about fraud — not to talk you into switching providers, just to help you know where you stand.

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What Revolut actually offers

Revolut applies the mandatory PSR reimbursement rules from 7 October 2024, with a £100 excess per claim and a 13-month window to report the fraud. Crucially, the scheme only covers transfers between two UK accounts — a payment sent to a non-UK account falls outside it entirely, whatever the circumstances.

UK-to-UK transfers only The mandatory reimbursement scheme applies only when both sender and receiver hold a UK payment account — international transfers are excluded regardless of the scam type.
£100 excess, 13-month window Revolut applies the standard £100 excess per claim, and requires the fraud to be reported within 13 months of the last relevant transaction.
3,242 complaints (2024)
The number of APP fraud complaints Revolut customers referred to the Financial Ombudsman Service in the 2024 calendar year — more than any other UK bank or payment firm, ahead of Monzo (2,344) and Barclays (1,704). Which? reported 1,875 further complaints in 2025 alone.
Which?, reporting on Financial Ombudsman Service referral data
What this means, precisely. A high complaint count isn't proof every complaint was justified — but independent reporting has consistently placed Revolut at, or near, the top of the UK complaints table for several consecutive years, alongside other digital-first providers like Monzo and Starling, which is worth knowing before you rely on a single provider for your main account.

What actually happens in practice

Real Ombudsman decision

According to data obtained by Which? from the Financial Ombudsman Service, Revolut customers referred 3,242 APP fraud complaints in the 2024 calendar year — the highest of any UK bank or payment firm, ahead of Monzo (2,344) and Barclays (1,704). Which? reported a further 1,875 complaints referred in 2025 for APP fraud alone. Reporting also notes that fraud complaints against Revolut, Monzo and Starling have grown faster than their respective customer bases over a three-year period.

Source: Which?, Revolut still the worst UK firm for fraud complaints, consulted 30/07/2026.

Why Egidio, alongside this

Egidio doesn't replace Revolut's protection, and doesn't try to. It acts one step earlier: detecting and blocking the manipulation attempt — the call, the message — before any payment is ever authorised. That's the difference between a claim decided case-by-case after the loss, and the loss never happening.

For the full comparison across UK banks and networks, see the "Before the Claim" page →

Frequently asked questions

Does Revolut's APP fraud reimbursement cover international transfers?

No. The mandatory scheme covers only transfers between two UK payment accounts. A payment sent to a non-UK account falls outside the scheme entirely, regardless of the type of scam.

Does Revolut have more fraud complaints than other UK banks?

Yes, according to independent data. Which? reported that Revolut customers referred more APP fraud complaints to the Financial Ombudsman Service than any other UK provider in 2024 (3,242), with 1,875 further complaints in 2025.

Does Egidio replace Revolut's fraud protection?

No. Egidio is not a bank and does not process reimbursement claims. It acts earlier — detecting and blocking the manipulation attempt before any payment is authorised at all.