How to Cancel Revolut: Simple Process

What is Revolut

Revolutis a digital banking and payments platform that offers multi-currency accounts, cards, currency exchange, savings and paid subscription tiers with added benefits such as travel insurance and higher withdrawal limits. Launched as a fintech alternative to traditional banks, Revolut operates in Ireland viaRevolut Bank UAB (Irish Branch)and provides tiered plans ranging from a free Standard offer up to paid plans such as Plus, Premium and Metal, each with different limits and perks. Revolut's model mixes low-fee foreign exchange and app-centred account management with add-on insurance and card options that appeal to frequent travellers and multi-currency users.

Subscription plans and key fees (quick view)

Revolut's personal paid plans for Ireland include Plus, Premium and Metal (Ultra exists in some markets). Prices are presented in euros and are billed monthly or annually. These plans change over time, and Revolut publishes specific fee pages that list monthly and annual subscription rates and plan-specific limits and benefits. For Irish users the commonly cited rates are: Plus ~€3.99/month, Premium ~€8.99/month (or €90/year) and Metal ~€15.99/month (or €155/year). These plans also change the currency exchange fair-use limits, ATM withdrawal allowances and insurance coverage.

Why people choose Revolut

currency exchange and low-cost international payments are core to Revolut's value proposition, many Irish customers pick Revolut to save on FX when travelling or sending money abroad. , the paid plans become attractive where frequent cash withdrawals, travel insurance and higher FX allowances offset the subscription cost. , the break-even point depends on behaviour: , if a frequent traveller spends enough on card payments in foreign currencies or has regular ATM needs, the Premium or Metal plan can pay for itself in reduced FX fees and included insurance.

Customer experiences with cancellation

As a financial advisor assessing recurring expenses, it is important to understand actual customer experiences with cancelling Revolut subscriptions in Ireland. Reviews and forum threads show a mixed picture: many users praise the app and FX value, while a proportion report friction when they try to change or stop paid plans. Common themes in customer feedback include unexpected charges after trials, account verification friction that led some to close accounts, and reports of delays or difficulty resolving disputes. On review platforms, both highly positive and highly negative experiences are present, indicating variability by case.

Paraphrased user feedback collected from public forums and review sites reveals these recurring points:

• Some users report being charged when they believed they had a free trial or expected an easy cancellation; this has financial consequences when bank accounts have low balances.
• Multiple posts describe frustration around account restrictions or deeper identity verification requests; for some customers this triggered account closure and a need to recover funds. The recovery process in those descriptions often required patience and documentation.
• Several reviewers highlight positive aspects such as competitive exchange rates and useful plan benefits; these customers often retained paid plans because the savings on FX and included insurance offset subscription fees.

Considering these patterns, the financial implication is plain: cancellation friction or unexpected charges can produce direct loss or inconvenience. From a risk management perspective, documenting the cancellation ( by using registered post) and understanding paid-plan terms is essential to protect funds and avoid disputed charges.

How Revolut paid plans and fees affect cancellation

Revolut's legal Paid Plan Terms set important constraints relevant to cancellations. Key points that carry financial impact include automatic renewal of paid plans and a potential fee if the subscription is ended within a set period from its start (the terms warn that Revolut may charge a fee if you end the subscription within 10 months of it starting). Also, travel insurance and certain protections are tied to remaining on the paid plan: you cannot cancel the insurance benefits without cancelling the subscription itself. , these clauses mean that cancelling early can sometimes increase short term cost if an early-cancellation fee applies, while continuing can yield benefits that compensate the subscription fee. Always check the current Paid Plan Terms for precise timing and fees before acting.

What customers say about cancellation costs

Customer reports show examples where users found unexpected fees after promotional trials or when downgrading within a short window. Analytically, this is consistent with clauses in paid-plan terms that allow pro-rated charges or administrative fees for early termination under certain conditions. From a budgeting point of view, factor in a potential short-term charge when deciding to end a paid plan mid-term and weigh that against annualised savings of switching to a free plan.

Why postal registered mail is the recommended cancellation method

the critical factor in cancelling a paid financial subscription is legally proving you gave notice, the single most robust method is sending a cancellation request byregistered postal mailto the company's official branch address. From a legal and practical perspective, registered post provides a dated delivery receipt, independent tracking, and stronger evidential weight if there is a dispute about whether or when you gave notice. For Irish consumers dealing with subscriptions that are subject to early-termination clauses or automatic renewals, registered post reduces ambiguity about the cancellation date and is commonly accepted as formal notice under many contract law frameworks.

, the cost of a registered post item is small compared with a month or more of unnecessary subscription fees that might accrue if a cancellation is not documented or acknowledged. Analytically, the registered post receipt lowers financial risk: you can demonstrate the date of posting and the date of delivery, which matters if the provider's terms require notice before renewal. Use the official Revolut Irish branch address for delivery:Revolut Bank UAB (Irish Branch), 2 Dublin Landings, North Dock, Dublin 1, Ireland. This is the address recorded in their legal terms and regulator filings.

General principles for a postal cancellation notice (high level)

From a financial advisor's vantage point, the content of a cancellation notice should be clear, unambiguous and include identifying information so the recipient can match it to the correct account. At a general level, include: the account holder's full name, the account identifier used by the service, the subscription plan name, the clear statement that you are terminating the subscription or cancelling renewal, and the effective date you expect cancellation to take place. Keep copies of the registered post receipt and any delivery confirmation as evidence. Do not rely on informal notes; a dated, signed notice sent by registered post is the safest legal record. (Note: this is a principles-only summary and not a letter template.)

Simplifying the registered mail process

To make the process easier, consider trusted third-party services that handle printing, stamping and sending registered mail on your behalf while preserving legal value and offering return receipts. One example is Postclic.

Postclic: A 100% online service to send registered or simple letters, without a printer. You don't need to move: Postclic prints, stamps and sends your letter. Dozens of ready-to-use templates for cancellations: telecommunications, insurance, energy, various subscriptions… Secure sending with return receipt and legal value equivalent to physical sending.

Using a service like this can be a practical way to keep an electronic workflow while preserving the legal benefits of registered postal delivery. From a cost-benefit perspective, the small fee for a managed service can be justified when weighed against the potential expense of a failed cancellation or prolonged subscription refunds. Ensure any third-party service you use provides a dated delivery or return receipt with legal standing in Ireland.

Timing and notice periods to consider

From a contractual perspective, two timing elements matter: the timing required by Revolut's paid-plan terms to avoid automatic renewal, and any internal notice periods Revolut may stipulate before a plan closes or insurance benefits cease. Revolut's paid-plan terms explicitly state that subscriptions automatically renew and that Revolut may charge a fee if you end the subscription within 10 months of its start. This implies you must give notice sufficiently early of a renewal date to ensure your cancellation is effective prior to the renewal processing date. As a rule of thumb for financial planning, treat 30-60 days as the safe zone to allow for processing and to avoid a billed cycle, and verify the exact renewal date for your account in your plan documentation.

Considering administrative lag and the legal weight of a dated registered-post delivery, record both the postal evidence and any subsequent correspondence that confirms closure. If an early-cancellation fee applies, compare that fee with the remaining subscription value to determine whether early termination is financially rational. , cancelling a €8.99/month Premium subscription with several months remaining may trigger a small early-termination administrative fee that could be less than the sum of remaining months; compute both options before deciding.

Common cancellation scenarios and financial impact

Scenario: end trial immediately after promotional offer

Customer reports indicate that some trial promotions led to confusion about whether cancellation was effective without charges. From a cost perspective, failing to serve clear, dated notice before the trial expiry can result in a full month fee being taken. Use registered post to establish notice before the renewal date to avoid that outcome.

Scenario: downgrade from Premium to Standard mid-term

Revolut's terms allow for charges if a subscription is ended early. Analyse the numerical effect: if the early termination fee equals one or two monthly payments, compare that to the future benefit stream of remaining on the plan. , cancelling Premium with 6 months left that would cost a one-off equivalent fee may still be financially advantageous if your expected benefit from Premium over the next 6 months is lower than the combined cost of the fee and the lost benefits.

Scenario: dispute after an automatic renewal

If an account is charged at renewal and you dispute it, registered post again serves as evidence of a properly-timed cancellation. Reported customer experiences show varying outcomes for disputes and refunds; having a formal postal notice substantially improves your negotiating position.

Alternatives to Revolut and comparative cost analysis

In the process of cutting recurring expenses, compare Revolut's paid-plan cost against substitutes that offer similar FX or travel coverage. Alternatives include Wise (for low-cost FX), N26 (digital bank with paid tiers and insurance on higher tiers), and traditional banks that bundle insurance with premium accounts. Analytically, Wise typically charges transparent per-transfer fees and a small percentage markup on FX while offering no monthly subscription; N26 provides tiered monthly subscriptions that compete directly with Revolut's paid plans. When evaluating, compute annualised cost of the subscription against expected FX savings and insurance value.

Practical advice before sending your registered postal cancellation

From a budgeting and risk-control perspective, follow these preparatory steps at a high level: identify the renewal date and any early-termination clauses in your Paid Plan Terms; calculate the financial trade-off between an early-cancellation fee and future subscription value; prepare a short clear notice that identifies your account and intention to cancel; and send it by registered post to the official Revolut Irish branch address. Keep the postal receipt and any proof of delivery. Do not rely on informal methods or untraceable messages. These high-level steps protect your finances and reduce the chance of prolonged billing disputes.

What to do after cancelling Revolut

After you have sent a registered-post cancellation notice, treat the next 4-8 weeks as an active monitoring period for your finances. , check your bank transactions for any unexpected debits and retain the registered-post receipt as primary evidence in case of dispute. If an early-termination fee was billed, verify it matches the amount stated in the Paid Plan Terms and compare it to the savings you expected to achieve by cancelling. If the fee seems inconsistent with the contract, use your postal proof as the basis for any dispute or complaint process. Keep records: dates, amounts, and copies of relevant plan terms. Finally, consider switching to an alternative service and run a simple annualised cost comparison to confirm that the new option is cheaper or better aligned with your money-management goals.

Address for registered-post cancellation notice:Revolut Bank UAB (Irish Branch), 2 Dublin Landings, North Dock, Dublin 1, Ireland. Keep your registered-post receipt and any returned delivery evidence in case you need to demonstrate timing later.