Firm + product analysis

Revolut Ltd in Banking and Payments

A curated public analysis of Revolut Ltd's published Financial Ombudsman decisions in Banking and Payments, including outcome context, complaint themes, precedent signals, and representative cases.

Page summary

3,123 published FOS decisions involving Revolut Ltd in Banking and Payments, with upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

3,123

Decision volume in this firm-product slice

Upheld rate

29.6%

924 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

3,123

Decision volume in this firm-product slice

Upheld rate

29.6%

924 upheld decisions

Latest active year

2026

13 decisions

Leading complaint theme

Fraud Or Scam Concern

2,469 tagged decisions

Revolut Ltd in Banking and Payments

Revolut Ltd appears in 3,123 published decisions in Banking and Payments across this corpus. 29.6% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.

The latest year represented in this slice is 2026, with 13 published decisions and an upheld rate of 7.7%.

  • Leading complaint theme: Fraud Or Scam Concern
  • Leading precedent signal: Payment Services Regulations
  • Advisor risk signal for Banking and Payments: low

How the slice behaves over time

Revolut Ltd has a multi-year published decision trail in Banking and Payments, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.

Banking and Payments remains a meaningful part of Revolut Ltd's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.

  • 2026: 13 decisions, 7.7% upheld
  • 2025: 1,725 decisions, 30.0% upheld
  • 2024: 843 decisions, 29.3% upheld
  • 2023: 295 decisions, 26.4% upheld
  • 2022: 127 decisions, 33.1% upheld

Themes, precedent context, and handling implications

Fraud Or Scam Concern is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.

The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 2.6% of cases), review section 75 cca precedent (appears in 1.9% of cases), review section 140a cca precedent (appears in 0.4% of cases), and others.

  • Second complaint theme: Delay In Claim Handling

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-576230002 Feb 2026Not upheld

Revolut Ltd · Banking and Payments

My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr S to accept or reject my decision before 2 March 2026.

View source decision
DRN-585048902 Feb 2026Not upheld

Revolut Ltd · Banking and Payments

My final decision is that I’m not upholding Mr R’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr R to accept or reject my decision before 2 March 2026.

View source decision
DRN-586021802 Feb 2026Not upheld

Revolut Ltd · Banking and Payments

My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs S to accept or reject my decision before 01 March 2026.

View source decision
DRN-593620202 Feb 2026Upheld

Revolut Ltd · Banking and Payments

For the reasons explained above, my final decision is that I uphold this complaint. Revolut Ltd needs to put things right as set out above.

View source decision
DRN-593965202 Feb 2026Not upheld

Revolut Ltd · Banking and Payments

My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss S to accept or reject my decision before 2 March 2026.

View source decision