Setting up your Revolut account in the UK is simple, quick, and completely digital. Whether you’re opening it for everyday spending, international payments, or managing business finances, Revolut provides a secure and modern alternative to traditional banking.
What Is Revolut and Why It’s Popular in the UK
Revolut is a UK-based fintech company offering digital banking services through its easy-to-use mobile app. It allows users to spend, send, and save money at real exchange rates — without hidden fees.
Here’s why millions of people across the UK are switching to Revolut:
- 💷 Free GBP account with local sort code and account number.
- 🌍 Multi-currency wallet supporting over 25 currencies.
- 💳 Contactless debit card for global payments.
- 📊 Budgeting tools to track spending and savings.
- 🔐 Instant security controls such as card freeze/unfreeze.
Revolut combines convenience, security, and international flexibility — all in one app.
How to Open a Revolut Account Step by Step
Opening your Revolut account in the UK takes only a few minutes:
- Download the Revolut app from the App Store or Google Play.
- Tap “Sign Up” and enter your mobile number.
- Verify your number with the SMS code sent to your phone.
- Enter your full name, date of birth, and home address.
- Upload a photo ID (passport or UK driver’s licence).
- Take a selfie or short video to confirm your identity.
- Once verified, you can add money and start using Revolut instantly.
Your digital card will be available right away, and you can order a physical Revolut card for delivery within a few days.
What Documents You Need to Verify Your Identity
To comply with UK financial regulations, Revolut must verify every user’s identity. You’ll need:
- A valid photo ID such as a passport or UK driver’s licence.
- A clear selfie or video verification.
- (Sometimes) a proof of address — a recent utility bill, council tax letter, or bank statement.
Verification usually completes within a few minutes, though it can take longer if the images are unclear or expired.
Can You Use Revolut for Business in the UK?
Yes — Revolut offers business accounts tailored for freelancers, start-ups, and established companies.
With a Revolut Business account, you can:
- Receive and send payments in GBP and foreign currencies.
- Issue team cards for employees.
- Integrate with Xero, QuickBooks, and other accounting tools.
- Automate expenses, approvals, and invoices.
Business accounts also provide multi-currency IBANs, helping UK companies trade internationally with fewer fees.
How to Add Money and Link Your UK Bank Account
To start using Revolut, you’ll need to top up your account:
- Open the Revolut app and tap “Add Money.”
- Link your UK bank account using Open Banking (instant connection).
- Alternatively, add funds via debit or credit card.
- Choose your amount and confirm the transfer.
Deposits from UK bank accounts are typically instant, while card top-ups may take a few minutes depending on your bank.
Common Mistakes When Setting Up Revolut
| Mistake | Cause | Solution |
|---|---|---|
| ID verification failed | Blurry or cropped document | Re-upload a clear image in good lighting |
| Card not arriving | Wrong address entered | Double-check delivery details before confirming |
| Account locked | Missing verification steps | Complete all ID and address checks |
| Top-up error | Card restrictions | Try a different payment card or bank account |
If you encounter issues, Revolut’s in-app support is available 24/7 to help resolve them quickly.
Is Revolut Regulated by the FCA in the UK?
Yes. Revolut Ltd is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011.
This means:
- Your funds are safeguarded, not lent out.
- Revolut partners with licensed banks for account protection.
- You benefit from robust anti-fraud and security measures.
While Revolut isn’t a traditional bank (yet), it operates under strict UK financial standards, ensuring your money remains secure.
👉 Next article: Get a Loan in Minutes with Revolut UK