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If interest is due, it will be charged on your Revolut credit card account after your statement due date. For example, interest charged on 1 January is charged for unpaid balances or transactions made during November, included in the statement issued on 1 December and to be paid by 31 December.

To benefit from the interest-free period on your transactions, you must pay your statement balance in full and on time, and not have any unpaid balance carried over from the previous month.

You can check the applicable interest rate in-app by navigating to the Credit card section and tapping ‘Info’ and ‘Rates’.

If you don't pay your monthly credit card statement in full by the due date on your statement, we'll charge interest on your statement balance the next day as part of your new billing cycle. Interest accrues daily from transaction date until balance is paid and it is charged monthly.

If you don't pay the full balance, you’ll lose the interest-free period for that month. To restore your interest-free period for new purchases, simply pay your next statement balance in full by the due date. You will still be charged interest on any carried-over balances until they are fully repaid.

If you were offered a promotion or sign-up offer for 0% interest, you'll need to make at least the minimum payment each month and pay off your balance in full by the end of the promotion period, otherwise you'll accrue interest on the unpaid balance as normal.

If you don’t use your credit limit, we won’t charge any fees.

If you used your card during the billing cycle or have any unpaid balance and you don’t pay at least the monthly minimum amount stated on your statement before the due date (or if the auto-withdrawal fails), you may be charged a late payment fee of the minimum repayment amount, or at least €25.

Fees beyond interest charges can apply to withdrawals, transfers, cash advance, or cash-like transactions. Refer to your Credit Card Agreement for more information.