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1Scan for outdated or missing drivers - takes under a minute2Repair Windows errors before they cause bigger problems3Fix the driver behind crashes, sound loss and screen glitchesYes, Revolut is a bank for customers whose account is with Revolut Bank UK Ltd in the UK or Revolut Bank UAB in its EEA banking business—but the Revolut name alone does not tell you which protection applies. Revolut says eligible deposits with Revolut Bank UK Ltd can qualify for FSCS protection up to £120,000 per person. Eligible deposits with Revolut Bank UAB can qualify for Lithuania’s deposit-insurance protection up to €100,000 per depositor. In the UK, some customers may still have an e-money account awaiting migration, and not every balance in the app is a bank deposit.
What decides whether your Revolut money is protected?
Check three things: the legal entity providing your account, whether the funds are a bank deposit or another kind of product, and the eligibility rules of the relevant protection scheme. Revolut has different entities and arrangements in different markets. The UK and Revolut Bank UAB examples below do not establish which entity serves every customer in every country.
- Account entity: Look in your current account documents or account details in the app for the legal entity. Do not infer it from the Revolut brand or from a general announcement.
- Account status: UK customers should check whether their account has actually moved from an e-money account to Revolut Bank UK Ltd.
- Product type: A current-account deposit is different from stocks, crypto or virtual currencies, commodities, and other investment products.
How protection works for UK customers
After an account has moved to Revolut Bank UK Ltd
Revolut announced on 11 March 2026 that Revolut Bank UK Ltd was authorised to offer UK bank accounts and accept customer deposits, with supervision by the Prudential Regulation Authority and Financial Conduct Authority. It said it would transition eligible UK customers over the following months. The announcement does not establish that any particular customer’s account has already moved.
For an eligible deposit held with Revolut Bank UK Ltd, Revolut states that FSCS protection is available up to £120,000 per person. This is a maximum for eligible deposits, not a guarantee that every balance or product qualifies. Revolut’s UK help information lists current-account balances in GBP and non-GBP subaccounts, specified Kids & Teens accounts, Pockets, certain Group Pocket balances, Revolut Pro balances, and joint accounts among balances that can count toward protection. Its illustration treats a joint balance as split equally between the holders. Product and eligibility exclusions still apply.
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Before migration: e-money safeguarding
Revolut says funds in a UK e-money account were safeguarded before the account moved. Safeguarding is not the same arrangement as FSCS deposit protection. After migration to Revolut Bank UK Ltd, Revolut says safeguarding no longer applies to that bank account; eligible deposits are instead considered for FSCS cover.
Check the account details in the app and the current account documents to establish whether your own account has migrated. Then review Revolut’s current FSCS information sheet and exclusions list, and confirm that the specific account and balance are eligible.
How protection works for Revolut Bank UAB deposits
Revolut Bank UAB is incorporated in Lithuania and regulated as a credit institution by the Bank of Lithuania and the European Central Bank. Revolut identifies Lithuania’s Public Institution Deposit and Investment Insurance as the deposit-insurance scheme for deposits held with Revolut Bank UAB.
The stated limit is up to €100,000 per depositor across that depositor’s deposits with Revolut Bank UAB. Joint-account holders have a per-depositor limit. Revolut’s deposit-insurance information says compensation is paid in euros and the maximum payment period is seven working days if the bank cannot meet its obligations.
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The scheme’s information says almost all retail and corporate deposits are insured, but it also lists exclusions. In particular, it excludes electronic money and funds received by electronic-money institutions in exchange for e-money, among other categories. A bank can confirm whether a specific product is insured; Revolut says insured status is confirmed on the account statement. Check the current information and your own terms rather than assuming that every app balance is a covered deposit.
Which protection applies to which account?
| Account or deposit | Scheme and stated limit | What to check |
|---|---|---|
| Eligible deposit with Revolut Bank UK Ltd | FSCS; up to £120,000 per person, as stated by Revolut in 2026 | Confirm the account is with the UK bank entity, not an e-money account awaiting migration, and check product eligibility and exclusions. |
| Eligible deposit with Revolut Bank UAB | Lithuania’s Deposit and Investment Insurance; up to €100,000 per depositor across deposits at that bank | Check statutory exclusions and whether the particular product is an insured deposit. |
The limits are in different currencies and belong to different schemes and banking entities. They are not interchangeable, and neither headline limit means that every product or balance is covered.
Are Revolut stocks, crypto, and commodities protected as deposits?
No. Revolut identifies stocks, cryptocurrencies or virtual currencies, commodities, and investments as separate from protected bank deposits in the relevant UK and EEA explanations. Do not treat an investment or crypto balance as an insured cash deposit. For the exact treatment of a product, check the entity providing it and its product terms; it may not be provided by the same entity that holds a bank deposit.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to check your own Revolut account
- Find the legal entity. Open your current account details or documents and identify the entity that provides the account. Use the entity named there, not just the Revolut brand.
- For a UK account, check migration status. Confirm whether the account is now with Revolut Bank UK Ltd. A planned or announced transition is not proof that your account has moved.
- Identify the balance type. Establish whether the money is a bank deposit, e-money, or a separate investment, crypto, or commodity product.
- Check the applicable scheme and exclusions. Use Revolut’s current scheme information and your account statement or terms to confirm eligibility, including how joint or multiple accounts are treated.
If you cannot establish the entity or whether a product is insured from your documents, ask Revolut to confirm it for that specific account and balance.
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