Cancel Revolut: The Right Way

How to cancel your Revolut account in singapore and keep your money safe

Why you might want to cancel Revolut

Your circumstances change, and so do your banking needs. You might be leaving Singapore, switching to a traditional bank with local branches, or simply realising that Revolut's premium features no longer match your lifestyle. Whatever your reason, cancelling your account is your right, and Tocancel is here to guide you through it with clarity and confidence.

When cancellation makes sense

You might cancel if you no longer use Revolut's core features, prefer a bank with physical branches in Singapore, or have found a competitor that better suits your daily spending. Some users cancel after a free trial period ends or when they realise that premium plan fees do not align with their actual usage patterns.

The important truth is this: cancelling Revolut is straightforward, and you have consumer rights in Singapore that protect you during the entire process. Tocancel has walked thousands of people through subscription cancellations, and we want to make sure you do not leave money on the table or miss refunds you are legally entitled to claim.

What you need to know before you cancel

Cancelling a paid subscription is different from closing your account entirely. If you cancel only your premium plan, your free Revolut account remains active unless you explicitly request full account closure. This distinction matters because it affects your access to features and your right to claim refunds under Singapore consumer law.

Before you proceed, understand that the Consumer Protection (Fair Trading) Act protects you when you purchase subscription services. You have the right to a 14-day cooling-off period from the date you sign up (or from the date the service starts, whichever is later), during which you can cancel and claim a full refund if you have not used the paid features.

Understanding revolut's pricing and what you are paying for

Revolut operates a freemium model with optional paid subscription tiers. Knowing what you are paying for now will help you decide whether to cancel outright or downgrade to the free plan instead.

Revolut's plan options in singapore

Revolut's free plan gives you basic multi-currency card access, money transfers, and budgeting tools. Paid tiers add premium features such as higher transfer limits, travel insurance, cashback rewards, and priority customer support. Plan names, pricing, and benefits change frequently in Singapore, so always verify current fees directly within the Revolut app or on Revolut's official website before you make your final decision.

Do not rely on outdated third-party information; pricing shifts without warning, and feature lists update regularly. Log into your account now and check your subscription settings to see exactly what you are paying and when your next billing date falls.

Hidden fees and charges you should watch for

Promotional offers sometimes include trial periods or discounted introductory rates. If you signed up for a promotional rate, cancelling early might trigger early termination charges or forfeit your right to a cooling-off refund. Keep your confirmation email or receipt showing the exact start date and the full terms of your promotion.

Physical cards incur manufacturing and delivery costs that cannot be refunded, even within the 14-day cooling-off period. Some premium features also lock you into longer commitment periods. Check your terms and conditions now so you understand exactly what costs are attached to your plan and whether any early cancellation penalties apply.

How to cancel your Revolut subscription or account

The method you use depends on how you set up your subscription and where you want to make the change. Tocancel breaks down each pathway so you cancel through the right channel and avoid subscription traps.

Cancel a subscription paid through the apple app store

If Apple charged your account for a Revolut premium plan, you must cancel through Apple's settings, not through Revolut itself. Cancelling in the Revolut app will not stop Apple from charging you.

1. Open the App Store on your iPhone or iPad
2. Tap your profile icon in the top-right corner
3. Select "Subscriptions"
4. Find and tap "Revolut"
5. Tap "Cancel Subscription"
6. Follow the on-screen prompts to confirm your cancellation
7. Check your email for a cancellation confirmation from Apple within a few minutes

Your premium features will continue until the end of your current billing cycle, then stop automatically. You will not be charged again. If you cancelled within 14 days of first subscribing and have not used premium features, request a refund from Apple by selecting "Report a Problem" next to the Revolut charge in your purchase history.

Cancel a subscription paid through google play store

If Google Play charged your account, you must cancel through Google Play, not through Revolut. Removing the Revolut app will not stop Google from billing you.

1. Open Google Play Store on your Android device
2. Tap your profile icon in the top-right corner
3. Tap "Manage subscriptions"
4. Select "Revolut"
5. Tap "Cancel subscription"
6. Follow the prompts to confirm
7. Look for a confirmation email from Google Play

Your paid access ends at the end of your current billing cycle. Premium features will no longer be available after that date. If you cancelled within 14 days and have not substantially used the paid features, you can request a refund from Google Play by selecting the transaction and choosing "Report a Problem".

Cancel a subscription paid directly through Revolut

If Revolut charged your card directly (not through an app store), you cancel inside the Revolut app itself.

1. Open the Revolut app
2. Tap the menu icon (usually three horizontal lines) at the bottom or top
3. Select "Subscriptions" or "Plans"
4. Tap on your active paid plan
5. Select "Cancel subscription" or "Downgrade to free"
6. Confirm your cancellation in the dialogue box that appears
7. Request written confirmation by taking a screenshot of the cancellation confirmation screen

After you cancel, Revolut will send a confirmation email to the address on file. Your premium features will end at the close of your current billing cycle. Check this email immediately to ensure the cancellation has been registered; if you do not receive confirmation within one business day, contact Revolut support.

Close your entire Revolut account

Cancelling a paid plan keeps your free account open. If you want to close your account entirely, you must submit a separate request to Revolut.

1. Open the Revolut app
2. Go to your account settings (gear icon or "More")
3. Look for "Account" or "Help and settings"
4. Scroll down to find "Close account" or "Delete account"
5. Tap this option and confirm your request
6. Revolut may ask you to verify your identity or confirm you have no pending transactions
7. Keep a copy of the confirmation email for your records

Before you close your account, ensure all your money has been transferred out and all pending transactions are complete. Once your account is closed, you cannot reopen it under the same email address for at least 30 days. If Revolut refuses to close your account or does not respond within 14 days, escalate to the Monetary Authority of Singapore (MAS), which oversees financial services regulation in the country.

Your legal rights when you cancel Revolut

Singapore's Consumer Protection (Fair Trading) Act gives you specific rights when you cancel a subscription or digital service. Understanding these rights is your foundation for confident action.

The 14-day cooling-off period

Your legal position is this: you have the right to cancel and receive a full refund within 14 days of purchase (or from the date the service begins, whichever is later) if you have not substantially used the service. This cooling-off period applies to Revolut paid subscriptions purchased in Singapore.

The catch is that "substantially used" is not defined by law. Revolut may argue that any use of premium features means you forfeit your refund right. If Revolut refuses to refund you within the 14-day window, document everything and escalate to the Consumers Association of Singapore or the Small Claims Tribunal if the amount justifies the cost of filing.

Right to transparent billing and cancellation terms

Revolut must provide you with clear cancellation terms before you subscribe. If their cancellation process is hidden, overly complex, or not clearly explained in their terms and conditions, you have grounds to dispute any charges. You also have the right to cancel at any time after the initial contract period, with no unreasonable penalty.

If Revolut continues to charge you after you have cancelled, or if your cancellation takes longer than 14 days to process, you can file a complaint with the Monetary Authority of Singapore (MAS) and request a refund of all charges incurred after your cancellation date.

Protection against unauthorised charges

If Revolut charges you after you have cancelled, or if you did not authorise a subscription in the first place, you have the right to dispute the charge with your bank or card issuer. Most banks will reverse unauthorised charges within 30 days if you report them promptly.

Contact your bank's fraud team immediately if Revolut continues billing you after cancellation. Provide them with screenshots of your cancellation confirmation, your cancellation request date, and the dates of unwanted charges. Your bank can then recall or dispute those transactions on your behalf.

Timeline and what to expect after cancellation

The cancellation process takes time, and understanding the timeline will help you plan your next steps. Tocancel advises you to think in phases: immediate, short-term, and long-term.

Immediate steps (day of cancellation)

Take a screenshot of your cancellation confirmation the moment you complete the cancellation process. If you cancelled through an app store, also screenshot the subscription page showing no active Revolut subscription. Save these images to your computer or cloud storage; they are your proof of action if a dispute arises later.

If you cancelled a paid plan but kept your free account, test that you can still log in and that your account shows no active subscription. If you closed your entire account, make a note of the exact date and time.

Short-term (days 1 to 14)

Monitor your bank or card statements daily for any unexpected charges from Revolut. If you see a charge after cancellation, contact your bank immediately and request a chargeback. Do not delay; your bank usually has a 30 to 60-day window to dispute the charge, and you want to file as soon as possible.

Check your email for a cancellation confirmation from Revolut or the app store. If you do not receive one within one business day, log back into Revolut and verify that your subscription has been cancelled. If it still shows as active, repeat the cancellation process or contact Revolut support immediately.

Long-term (weeks 2 onwards)

Continue monitoring your statements for the next two billing cycles. Some services process refunds separately from cancellation confirmations, so you may see a refund appear weeks after you cancel. If no refund appears within 30 days and you cancelled within the 14-day cooling-off period, contact Revolut support and request a formal refund request form.

If Revolut does not respond to your refund request within 14 days, or if they refuse to refund you, file a complaint with the Monetary Authority of Singapore. Tocancel recommends keeping all documentation (cancellation emails, screenshots, bank statements) for at least one year in case you need to dispute charges or defend a complaint.

Common mistakes people make when cancelling Revolut

Cancelling a digital bank account can feel confusing and stressful, especially if money is involved. Here are the pitfalls that trip people up, so you can avoid them.

Mistake 1: deleting the app instead of cancelling the subscription

Simply deleting the Revolut app does not cancel your subscription. App store subscriptions continue until you cancel them explicitly in your app store settings. People who delete the app often forget to cancel the subscription, and Revolut keeps charging them for months.

If this has happened to you, contact your app store (Apple or Google) immediately and request a refund for all charges incurred after your intended cancellation date. Provide screenshots showing the date you deleted the app and the dates of unwanted charges.

Mistake 2: not verifying which payment method is linked

If you set up your Revolut subscription through an app store but your card details are also saved in Revolut itself, you might think you are cancelling the subscription when you are only cancelling a payment method. The subscription could remain active on the app store side.

Before you cancel, open your Revolut app and cross-check which payment method is listed under your subscription settings. Then verify the same in your app store settings. Cancel in the location where the subscription actually exists. If you are unsure, contact Revolut support and ask explicitly: "Where is my subscription billed, and where should I cancel it?"

Mistake 3: cancelling a few days before your billing date

If you cancel a few days before your billing date, you will still be charged for the next cycle. You must cancel at least one day before your billing date takes effect. Check your account now to see when your next billing date is scheduled, then plan your cancellation accordingly.

Mistake 4: not requesting written confirmation

If you cancel inside the Revolut app and then never receive an email confirmation, you have no proof of your cancellation date if a dispute arises. Always request written confirmation or screenshot the cancellation confirmation screen immediately. Send yourself a copy via email so you have a timestamped record.

Mistake 5: closing your account before transferring your money

Once your Revolut account is closed, you cannot access your funds if they are still held in the account. Always transfer any remaining balance to your primary bank account before you request account closure. Wait until the transfer has cleared (usually one to three business days) before you proceed with closing the account.

Refunds and what to expect

Your right to a refund depends on when you cancel and how much you have used Revolut's paid features. Tocancel breaks this down so you know exactly where you stand.

Refunds within the 14-day cooling-off period

If you cancel within 14 days of your subscription start date and have not substantially used paid features, you are entitled to a full refund under Singapore's Consumer Protection (Fair Trading) Act. "Substantially used" is vague, but it typically means you have made very few transactions or accessed premium features only briefly.

Request your refund in writing by emailing Revolut support and referencing the cooling-off period. State the date you subscribed, the date you cancelled, and the date you are requesting the refund. Revolut has 14 days to process your refund. If they refuse or do not respond, escalate to the Monetary Authority of Singapore.

Refunds after the 14-day period

Once you are past the 14-day window, you are generally not entitled to a refund unless you can prove that Revolut breached its contract or misrepresented the service. If you cancelled after 14 days, you have paid for the service according to the terms you agreed to, and that payment is non-refundable.

However, if Revolut continues charging you after cancellation, every charge after your cancellation date is a breach of contract and must be refunded. Contact your bank immediately to dispute these post-cancellation charges.

Card and physical product fees

Manufacturing and shipping costs for Revolut cards are usually non-refundable, even within the 14-day cooling-off period. However, if you cancelled the subscription before the card was shipped, you may be able to dispute the card fee. Ask Revolut to confirm whether the card has been dispatched; if it has not, request a cancellation of the card order and a refund of the associated fees.

What happens to your money and data after cancellation

Once you cancel or close your Revolut account, it is important to understand what happens to your funds, transaction history, and personal data. This clarity will help you plan the next phase of your banking.

Your remaining balance and transfers

Any money remaining in your Revolut account is always yours. You can transfer it to your primary bank account at any time, even after you have cancelled a paid plan or requested account closure. Before you close your account, transfer all your funds out. Once the account is closed, access becomes difficult or impossible.

Transfers to Singapore bank accounts usually clear within one to three business days. Do not assume your account is truly closed until you have verified that all your money has arrived safely in your destination account.

Transaction history and records

Revolut will retain your transaction history for up to six years for regulatory and tax purposes. Even after your account is closed, you can usually request your transaction records by emailing support. If you need a record of transactions for tax or accounting purposes, request this before you close your account.

Personal data and privacy

When you close your account, Revolut stops processing your data for account maintenance and service delivery. However, they retain your data as required by Singapore's Personal Data Protection Act (PDPA) and anti-money-laundering regulations. You have the right to request what personal data they hold about you and can ask for corrections if any information is inaccurate.

If Revolut refuses to cancel or keeps charging you

In rare cases, Revolut may refuse to process your cancellation or continue charging you after you have cancelled. You have options, and Tocancel wants you to know that you can escalate beyond Revolut if necessary.

Step 1: contact Revolut support in writing

Send a formal email to Revolut's support team requesting cancellation. State your full name, account number, the date of your cancellation request, and the reason. Use the phrase "I formally request cancellation of my subscription and account" so there is no ambiguity. Request a written confirmation within 5 business days.

Keep copies of all emails. If Revolut does not respond within 7 days, escalate to the next step.

Step 2: dispute the charge with your bank

Contact your bank's dispute or chargeback team. Provide them with proof of your cancellation request (email screenshots, app screenshots showing cancellation) and the dates of unwanted charges. Most banks will reverse charges that occur after a documented cancellation request.

Your bank can freeze or reverse the charge while they investigate. This usually protects you within 30 to 60 days of the unwanted transaction.

Step 3: escalate to the monetary authority of singapore

If Revolut refuses to cancel, continues charging you after cancellation, or does not respond to your cancellation request, file a formal complaint with the Monetary Authority of Singapore (MAS). MAS oversees all digital banks and financial service providers operating in Singapore and can compel Revolut to resolve the issue.

Visit the MAS website and use their online complaint form. Include copies of your cancellation request, Revolut's response (or lack thereof), your bank statements showing unwanted charges, and any other supporting documentation. MAS typically responds within 30 days.

Step 4: small claims tribunal

If the amount in dispute is less than SGD 10,000, you can file a claim in the Small Claims Tribunal without needing a lawyer. The filing fee is minimal, and the process is straightforward. You will present your evidence to a tribunal officer, who will make a binding decision.

Bring copies of your cancellation request, confirmation emails, bank statements, and any correspondence with Revolut. The tribunal can order Revolut to refund the disputed charges plus costs.

Cancellation checklist

Use this checklist to track your cancellation and ensure you do not miss any steps. Tick each box as you complete it.

Comparison: Revolut versus other digital banks in singapore

If you are cancelling Revolut because you are unhappy with the service, you might be comparing it to alternatives. Here is how Revolut stacks up against other digital banking options available in Singapore.

If you are leaving Revolut because you need better international transfer rates, Wise (formerly TransferWise) specialises in cross-border payments and offers mid-market exchange rates. If you want a completely free digital banking experience with no premium option to tempt you into charges, DBS Digital is a strong alternative backed by a major Singapore bank. Tocancel can help you cancel any service and switch to an alternative that better suits your needs.

Contact details and escalation

If you need to contact Revolut or escalate a dispute, here are the official channels and addresses in Singapore.

Revolut singapore contact information

Revolut Technologies Singapore Pte. Ltd. is registered at 36 Robinson Road, Singapore. This is the primary address for regulatory correspondence and formal complaints. If Revolut does not respond to your cancellation request within 14 days, you can send a registered letter to this address demanding confirmation of your cancellation status.

For general support, use the in-app chat function or visit Revolut's website to find the current email support address. Response times vary, but you should expect a reply within 5 to 7 business days.

Monetary authority of singapore (MAS)

If Revolut refuses to cancel your account or continues charging you after cancellation, escalate to MAS. You can file a complaint online at www.mas.gov.sg. MAS can compel Revolut to refund unauthorised or disputed charges and can impose penalties if Revolut violates Singapore's financial services regulations.

Include your full name, contact details, Revolut account number, a detailed description of the issue, copies of all relevant communications, and dates of unwanted charges. MAS typically investigates within 30 days.

Small claims tribunal

For disputes under SGD 10,000, you can file a claim at the Small Claims Tribunal. Visit the Community Mediation Centres website or contact your nearest centre to start the process. You do not need a lawyer, and the filing fee is low.

Final thoughts and your next steps

Cancelling your Revolut subscription or account is your right, and you now have a clear, step-by-step path forward. Whether you are leaving because you prefer a traditional bank, need better international rates, or simply no longer use the service, you can cancel confidently knowing your legal protections.

Remember: you have 14 days to cancel and claim a full refund if you have not substantially used the paid features. After that window closes, your payment is non-refundable unless Revolut breaches its contract. If Revolut continues charging you after cancellation, your bank can reverse those charges through a dispute or chargeback process.

Do not delay. If you have decided to cancel, take action today: verify your payment method, note your billing date, and complete the cancellation in the correct location (app store or Revolut app). Take screenshots of your confirmation, monitor your statements, and keep all documentation for one year.

Tocancel has helped thousands of consumers cancel subscriptions, understand their refund rights, and dispute unwanted charges. If you need further guidance on cancelling Revolut or any other service, Tocancel is here to walk you through it with clarity and confidence. Your money is yours, and you have the right to take control of where it goes.