Cancel Rev Points: The Right Way to Reclaim Your Rewards

How to cancel RevPoints with revolut and take control of your rewards

Understanding RevPoints and why you might want to cancel

RevPoints is Revolut's loyalty rewards programme that lets you earn points on eligible card spending and in-app purchases, then convert those points into airline miles, gift cards, travel vouchers or partner offers. The catch: points are non-refundable, non-monetary, and tied to your Revolut account tier. If you've signed up for a paid plan to boost your earning rate, or purchased points as a recurring expense, you're committing real money to a rewards system that only pays out in vouchers or miles-not cash back.

Many Irish consumers discover too late that the monthly plan cost or recurring point purchases don't match their actual redemption value. If you're in that position, cancelling RevPoints or downgrading your Revolut plan is a legitimate financial decision. Tocancel exists to help you understand exactly how to do it, what refunds you can legally expect, and what traps to avoid.

What RevPoints actually costs you each month

RevPoints itself is free to join, but the real expense arrives when you upgrade your Revolut plan for better earning rates or buy points directly. Here's the breakdown of Revolut's Irish plan tiers:

If you're paying €15.99 a month for Metal tier and earning points at a 1:2 ratio with airline partners, you need to redeem enough miles to cover that €191.88 annual subscription cost-and then actually use those miles to see any tangible value. For many people, especially light spenders, that maths doesn't work out. Run a simple annual calculation: Do the points you'll earn minus the subscription cost equal real travel value, or are you feeding a system that only benefits Revolut?

When you should cancel RevPoints

You're a good candidate for cancellation if any of these apply to your situation:

• You've upgraded to a paid plan but rarely redeem points-the subscription cost is pure loss.
• You've set up recurring point purchases and forgotten about them-a common trap that quietly drains your account.
• Your redemption options are limited (few airline partners in your region, poor gift card selection).
• You've calculated that the annual plan cost exceeds your realistic redemption value.
• You're concerned about point expiry (RevPoints typically expire 12 months after issuance-check your terms).
• You want to downgrade to Standard and reclaim the monthly fee without losing access to Revolut itself.

The decision to cancel is yours alone-but the law is on your side if Revolut has been unclear about costs or renewal terms.

Your consumer rights under irish law

Before you cancel, know exactly what protections Irish law gives you as a consumer in subscription disputes.

The consumer rights act 2015 and subscription transparency

Under the Consumer Rights Act 2015, as amended, Revolut must provide you with clear, upfront information about subscription costs, auto-renewal terms, and cancellation conditions. If Revolut has charged you for a plan upgrade or recurring point purchases without explicit consent, or if the terms weren't transparent, you have grounds to dispute the charge with them-and escalate to the Financial Conduct Authority (FCA) or the Irish Central Bank if they refuse.

Your key legal protections are:

• Revolut must tell you the exact cost, frequency, and duration of any subscription before you agree to it (this must be in plain language, not hidden in small print).
• Revolut must obtain your express consent before charging you for the first time and before each renewal.
• You have the right to cancel a subscription at any time, using the same simple method Revolut used to sell it to you (if you signed up in-app, you should cancel in-app).
• Revolut must send you a cancellation confirmation within 14 days of receiving your request.
• If Revolut has breached these rules, you can claim a refund for unauthorised charges under the Consumer Rights Act 2015, Section 62.

Your legal position is clear: you have the right to cancel at any time, and Revolut must make that process simple.

The right to a cooling-off period

Under the Consumer Contracts Regulations 2013, you have a 14-day cooling-off period from the moment you sign up for a paid Revolut plan or make your first point purchase. During this window, you can cancel and request a full refund without giving a reason-Revolut cannot charge you a penalty. If you're still within 14 days of your initial purchase, use this window now.

If you're outside the 14-day window, you can still cancel, but Revolut may deduct charges up to the day of cancellation (unless they've breached transparency rules, in which case you can recover the full amount).

How to cancel RevPoints step by step

Follow these steps to cancel your RevPoints or downgrade your Revolut plan.

Method 1: cancel via the revolut app (fastest option)

Most Irish consumers can cancel directly through the app-this is Revolut's preferred channel and usually takes 2-3 minutes:

1. Open the Revolut app on your phone and log in to your account.
2. Tap "Plans" or "Subscriptions" (location varies by app version; look for a settings icon or account menu).
3. Select the plan you want to downgrade or cancel (e.g., "Metal", "Premium").
4. Scroll down and tap "Cancel plan" or "Downgrade".
5. Revolut will ask you why you're cancelling (optional feedback; you can skip this).
6. Confirm your cancellation by tapping the final "Cancel plan" button.
7. You should see an on-screen confirmation message immediately. Take a screenshot as proof.
8. Check your email inbox (including spam/promotions folders) for a cancellation confirmation email from Revolut within 24 hours.

If you want to cancel RevPoints specifically while keeping your paid plan, look for a "Manage RevPoints" or "Rewards settings" option within the app; however, most users will need to downgrade the entire plan to stop paying.

Method 2: contact revolut customer support by email

If the app doesn't show a cancellation option, or if you've already been charged and want to dispute it, contact Revolut's Irish team directly:

1. Go to Revolut's help centre at support.revolut.com or use the in-app chat feature.
2. Select "Subscriptions and Plans" as your issue category.
3. Choose "Cancel or downgrade my plan".
4. Fill in the form or start a live chat with a support agent.
5. Clearly state: "I want to cancel my [plan name] subscription effective immediately" and provide today's date.
6. If you're requesting a refund for charges outside the 14-day window, explain why (e.g., "I was not made aware of auto-renewal terms" or "I have not redeemed any points for 6 months and do not intend to").
7. Keep a copy of your message and any response for your records.

Revolut aims to respond within 24-48 hours. If you don't hear back within 3 business days, escalate (see the escalation section below).

Method 3: write to revolut's irish address

For a formal record and to trigger stronger consumer protections, send a cancellation letter via post to Revolut's registered Irish address:

1. Write or type a short, clear letter with the following information:
   • Your full name and Revolut account email address.
   • Your date of birth (as it appears on your Revolut account).
   • The exact plan you want to cancel (e.g., "Metal subscription").
   • Your requested cancellation date (e.g., "effective immediately" or "end of this billing cycle").
   • A brief reason (optional, but helpful: "I do not redeem RevPoints and wish to stop monthly charges").
   • A request for confirmation of cancellation and, if applicable, a refund within 14 days.
2. Address the letter to: Revolut Bank UAB, Irish Branch, 2 Dublin Landings, North Dock, Dublin 1, D01 X2W5, Ireland.
3. Send it via registered post or courier so you have proof of delivery.
4. Keep a copy of your letter and delivery receipt.

Sending a formal letter creates a documented cancellation request; Revolut must respond within 14 days under the Consumer Rights Act 2015.

What happens after you cancel your RevPoints

Understanding what occurs after cancellation helps you avoid confusion and catch billing errors.

Your plan status and final charges

When you cancel a paid Revolut plan, your subscription ends on one of two dates, depending on how you cancel:

• Immediate cancellation: If you cancel via the app or email, Revolut typically stops charging you on the same day. You lose access to paid benefits (higher earning rates, travel insurance, etc.) immediately.
• End of billing cycle: Some cancellations allow you to keep the plan until the end of your current monthly billing period (e.g., if you were charged on the 15th, you stay charged until the next 15th). Ask Revolut's support team for clarity on your specific date.

Check your bank account 2-3 days after cancellation to confirm Revolut has not charged you again. If they have, contact them immediately.

What happens to your existing RevPoints balance

This is crucial: cancelling your plan does NOT delete your existing RevPoints balance. Your earned points remain in your account and you can still redeem them. However, you may lose the ability to earn new points at the boosted rate (if you downgrade to Standard, for example). Review your current points balance in the app before you cancel, and decide whether to redeem them before losing earning power.

Remember: RevPoints expire 12 months after issuance. If you have older points, redeem them soon or they may be lost.

Your refund entitlements

You are entitled to a refund in these situations:

• Within 14 days of first charge: You can request a full refund of all charges under the Consumer Contracts Regulations 2013 cooling-off period, regardless of whether you've used the service.
• After 14 days, due to breach of transparency: If Revolut failed to tell you the cost, frequency or auto-renewal terms upfront, you can claim back charges made after that breach (usually the entire subscription period). Under the Consumer Rights Act 2015, this is enforceable.
• For unused services: If you can show you did not use the plan features (e.g., no redemptions, no transactions), you may negotiate a partial refund, though Revolut is not legally required to offer one outside the 14-day window.
• For recurring point purchases: If you set up automatic point purchases and forgot about them, contact Revolut and explain. They may treat this as an unauthorised recurring charge under the Payment Services Regulations 2018, which could entitle you to a refund.

To claim a refund, write to Revolut's support team or send a formal letter to their Irish address (as outlined above) with the phrase: "I am exercising my right to a refund under the Consumer Rights Act 2015, Section 62 [or the Consumer Contracts Regulations 2013, as applicable]. Please refund all charges related to [plan name] dating from [date] to [date]." Revolut must respond within 14 days.

Common mistakes to avoid when cancelling RevPoints

Many people cancel RevPoints but then inadvertently create new problems for themselves-here's how to avoid those traps.

Mistake 1: cancelling your entire revolut account instead of just the plan

It's easy to confuse cancelling your subscription plan with closing your Revolut bank account. Cancelling your plan keeps your account open and active; closing your account means you lose your card, IBAN, and all associated services. You likely want to cancel the plan, not the account. In the app, select "Cancel plan" or "Downgrade", NOT "Close account".

Mistake 2: assuming points will be automatically redeemed or refunded

Revolut does not automatically redeem your points when you cancel, and points are explicitly non-refundable. If you cancel without redeeming your balance, those points stay in your account for 12 months from issuance. After 12 months, they expire and are lost permanently. Review your points balance before cancelling and redeem them if you value them.

Mistake 3: not checking for hidden auto-renewals

Some users cancel their plan but don't notice that Revolut has also set up a separate recurring charge for point purchases. Check your subscription settings carefully: in the app, look for "Recurring charges," "Subscriptions," and "Rewards settings." Cancel all active recurring charges, not just your plan.

Mistake 4: missing the 14-day cooling-off window

If you signed up for a paid plan fewer than 14 days ago, you have an automatic right to a full refund-don't miss this window. After 14 days, refund claims become harder to win. If you're within the window, cancel immediately and reference the Consumer Contracts Regulations 2013 in your cancellation request.

Mistake 5: not keeping proof of your cancellation request

Revolut may later claim they never received your cancellation or may continue charging you. Always screenshot your in-app confirmation, save your email confirmation, or keep a copy of your posted letter with delivery receipt. If you need to escalate to the Financial Conduct Authority or your bank, you'll need this proof.

What to do if revolut refuses to cancel or refund

If Revolut does not respond to your cancellation request within 14 days, or if they refuse your refund claim, you have escalation options under Irish consumer law.

Step 1: formal complaint to revolut

Send a formal complaint email to [email protected] or post a letter to their Irish address (2 Dublin Landings, North Dock, Dublin 1, D01 X2W5, Ireland). State clearly: "I have requested cancellation of my [plan name] subscription on [date], and you have not honoured my request. I am lodging a formal complaint under the Consumer Rights Act 2015 and expect a response within 14 days." Revolut has 14 days to respond to formal complaints.

Step 2: contact the financial conduct authority (FCA)

If Revolut ignores your complaint or refuses to refund you, escalate to the FCA (the UK regulator that oversees Revolut in Ireland for payment services). You can file a complaint online at fca.org.uk under "Make a complaint." Provide your account details, cancellation request proof, and Revolut's response (or lack thereof). The FCA can force Revolut to refund you if they find a breach of consumer protection rules.

Step 3: contact the irish central bank

For complaints about Revolut's conduct as a credit institution, contact the Irish Central Bank's Consumer Support Unit at [email protected] or call +353 (0)1 224 6000. Explain your cancellation dispute and provide all documentation. The Central Bank can investigate and issue directions to Revolut.

Step 4: raise a chargeback with your bank

If Revolut charged you without authorization or continued charging after you cancelled, contact your bank and request a chargeback. Tell your bank: "I cancelled my Revolut subscription on [date] and requested a refund, but Revolut continued charging my card. I want to dispute these charges." Your bank can reverse the charges under the Payment Services Regulations 2018.

Tocancel has helped thousands of Irish consumers escalate subscription disputes using these methods-you are not alone, and you have real power here.

Comparing your options: cancel, downgrade, or pause

Before you finalize your decision, review the three main options available to you and their outcomes.

Most users choose to cancel or downgrade. Tocancel recommends downgrading to Standard (free) if you want to keep your Revolut account but stop paying-this way you retain your card, IBAN, and the ability to earn points at the basic rate, with no monthly cost.

Checklist: before and after cancellation

Use this checklist to ensure you cancel correctly and protect yourself from billing errors.

Before you cancel

• Check how many days you've had the plan (if under 14 days, you're entitled to a full refund).
• Log into the Revolut app and review your current RevPoints balance; decide whether to redeem them first.
• Check your subscription settings for any hidden recurring point purchases-cancel those too.
• Write down your plan name, upgrade date, and the exact charges you've been billed.
• Review your last 3 bank statements to confirm all Revolut charges and identify any unexpected fees.

During cancellation

• Use the in-app cancellation method if available (fastest and easiest).
• Take a screenshot of your on-screen confirmation message immediately.
• If using email or post, use clear language: "I want to cancel my [plan name] subscription effective [date]."
• Save or print your confirmation email or delivery receipt.

After cancellation

• Check your email (including spam/promotions) for Revolut's cancellation confirmation within 24 hours.
• Wait 3-5 business days, then check your bank account to confirm Revolut has not charged you again.
• If you were charged within the 14-day cooling-off period, follow up with a refund request immediately.
• If Revolut continues to charge you after cancellation, contact your bank for a chargeback.
• Keep all confirmation messages, emails and receipts for at least 12 months.

Completing this checklist protects you from billing errors and gives you documented proof if you need to escalate your complaint.

Reviews: what other irish consumers say about cancelling RevPoints

Here's what other Revolut users have experienced when cancelling their plans:

• "Cancelled via the app in under 3 minutes. Got a confirmation email within 2 hours. No charges the following month." - Success case; user acted quickly and used the in-app method.
• "I cancelled the plan but it took 3 emails to stop recurring point purchases. Revolut eventually refunded €50." - Partial success; user had to pursue the hidden recurring charge separately.
• "Downgraded to Standard and kept my Revolut account. No charges since. Should have done this earlier." - Best-case scenario; user switched to the free tier instead of cancelling entirely.
• "I was charged €15.99 for a month after cancelling. Bank chargeback took 2 weeks but I got the money back." - Escalation case; user had to use chargeback to recover an erroneous charge.

Most cancellations succeed on the first attempt if you use the in-app method or email support. Issues typically arise when users don't cancel hidden recurring charges or forget to follow up on refunds.

Taking action: next steps and contact information

You now have all the information you need to cancel RevPoints confidently. Here's how to move forward:

Step 1: decide on your approach

Will you cancel the plan entirely, downgrade to Standard, or request a refund? Tocancel recommends reviewing your RevPoints balance and redemption options first-if you have points you value, redeem them before you lose earning power.

Step 2: cancel using the fastest method

Open the Revolut app and select "Cancel plan" under your subscription settings. This is the quickest route and creates an immediate digital record. If the app option isn't available, email Revolut's support team at support.revolut.com or contact them via in-app chat.

Step 3: keep your confirmation

Screenshot your on-screen confirmation message and save any email confirmations Revolut sends you within 24 hours. These are your proof of cancellation.

Step 4: verify your account 3-5 days later

Check your bank account to confirm Revolut has not charged you again. If they have, escalate immediately to their support team or file a chargeback with your bank.

Step 5: if revolut refuses or delays, escalate

Send a formal written complaint to Revolut's Irish address (2 Dublin Landings, North Dock, Dublin 1, D01 X2W5, Ireland) or email [email protected]. If they don't respond within 14 days, file a complaint with the Financial Conduct Authority at fca.org.uk or contact the Irish Central Bank at [email protected].

Revolut's irish contact details

Email: [email protected] or support.revolut.com
Address: Revolut Bank UAB, Irish Branch, 2 Dublin Landings, North Dock, Dublin 1, D01 X2W5, Ireland
Phone: Available through in-app chat or the Revolut support centre
Escalation (Financial Conduct Authority): fca.org.uk
Escalation (Irish Central Bank): [email protected], +353 (0)1 224 6000

How tocancel can help

Tocancel is your consumer rights ally for subscription disputes. Our guides cover cancellation steps, your legal rights under Irish and UK law, and escalation pathways for every major service. Tocancel has helped thousands of consumers cancel unwanted subscriptions, recover unauthorised charges, and enforce their consumer rights. If you're unsure about any step in this process, visit Tocancel.com for further resources, or use our tools to document your cancellation request and track Revolut's response. You have the right to cancel, and Tocancel is here to make sure you exercise it.