Spot fake Revolut fraud-alert and verification texts — and the in-app chat rule that defeats them
Last reviewed: 12 May 2026 · ScamSupport research
The Revolut impersonation pattern — and the rule that defeats it
Revolut received its full UK banking licence from the PRA in March 2026, meaning UK deposits are now FSCS-protected up to £120,000 (initial mobilisation cap). Revolut’s customer-service model is identical in shape to Monzo’s: Revolut doesn’t have a phone number for retail customer support or fraud reporting. All contact happens through the in-app chat. This is the single most useful fact to defeat Revolut-impersonation scams: if someone claiming to be from Revolut phones you, it’s a scam — full stop.
Three Revolut scam-text variants currently in circulation
From: Revolut (spoofed sender ID)
Body: “Revolut: A transfer of €850 to a new payee is in progress. If you did not authorise this, call 020 XXXX XXXX immediately.”
Red flags:
Revolut will never give you a phone number to call. Revolut doesn’t operate a fraud or customer-service phone line for retail customers. Every legitimate Revolut contact happens through in-app chat.
Euro-denominated transfers are common in Revolut scam SMS because Revolut customers often hold multiple currencies, so a euro transfer feels plausible enough to trigger urgency.
When you call the embedded number, the criminal walks you through moving your Revolut balance to a “safe Revolut internal account”. That account is criminal-controlled outside Revolut entirely.
Single best test: any Revolut communication that asks you to phone or be phoned is a scam.
From: Revolut (spoofed)
Body: “Revolut: Your account is under review for suspicious activity. To prevent suspension, verify your identity at: revolut-verify-uk[dot]com”
Red flags:
Revolut handles all account reviews through the Revolut app itself. Real notifications appear in the app feed or come via in-app chat from the Revolut team. Revolut never sends customers to third-party verification domains.
The phishing page harvests Revolut credentials, card details and verification codes. With these, the criminal can log into your Revolut account, set up new payees, and transfer your balance within minutes.
Domain check. Real Revolut lives at revolut.com only. Anything-Revolut-anything is a clone.
Phone call from someone claiming to be Revolut fraud, with or without a preceding text
The caller knows you bank with Revolut, your name, and details about a recent transaction. They tell you there’s a fraudulent transfer in progress and walk you through opening the Revolut app, then ask you to read out a verification code or enable screen-sharing.
Red flags:
Revolut will never phone you. Repeat: Revolut will never phone you. Hang up the moment a caller claims to be from Revolut. There’s no exception.
Screen-sharing lets the criminal see your screen as you enter passwords or read OTPs. Never enable it for a caller.
Knowing personal details proves nothing. Name, address and the fact you bank with Revolut are all in data-breach markets.
How to verify a Revolut communication is real
If it’s a phone call claiming to be Revolut, it’s a scam. Revolut doesn’t phone customers.
If an SMS asks you to call a number, it’s a scam. Real Revolut SMS contains either a verification code or a link to open the app — never a phone number to call.
To verify anything, open the Revolut app and use Chat. Tap your profile (top-left), then Help → Chat. You’ll be in conversation with a real Revolut agent — the only authenticated channel.
If you’ve already transferred money or shared credentials
Open the Revolut app immediately and use Help → Chat to report the fraud. Revolut’s in-app fraud team operates 24/7 and typically responds within minutes for active fraud cases. They can freeze the card, freeze pending transfers, and initiate the fraud claim.
Use the phrase: “This was an authorised push payment scam. Please log it under the PSR reimbursement scheme.”
The PSR Mandatory Reimbursement Scheme applies now that Revolut Bank UK Ltd holds a full UK banking licence (granted March 2026). Reimbursement up to £85,000 for transfers made after 7 October 2024 unless gross negligence is proven. Submit the claim in writing within 13 months.
Report to Report Fraud at reportfraud.police.uk. The crime reference number is needed for any Financial Ombudsman escalation.