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© Revolut Ltd 2023

Revolut Payments Australia Pty Ltd (Revolut Australia) (ABN 21 634 823 180) is a company registered in Australia and is authorised by the Australian Securities & Investments Commission (AFSL & Australian Credit Licence number 517589).

Please make sure to read the <a href="https://www.revolut.com/en-AU/legal/">Financial Services Guide</a>, <a href="https://www.revolut.com/en-AU/legal/target-market-determinations">Target Market Determination</a> and <a href="https://www.revolut.com/en-AU/legal/">Product Disclosure Statement</a> prior to deciding whether our products and services are appropriate for you.

The Revolut Cryptocurrency and Commodities products are unregulated products in Australia and are not provided to you under our AFSL.

Any advice given does not take into account your objectives, financial circumstances or needs and you should consider if it is appropriate for you.

<a href="https://www.revolut.com/en-AU/money-transfer/">Money Transfer</a>: <a href="https://www.revolut.com/en-AU/money-transfer/send-money-to-india/">Send money to India</a> | <a href="https://www.revolut.com/en-AU/money-transfer/send-money-to-indonesia/">Send money to Indonesia</a> | <a href="https://www.revolut.com/en-AU/money-transfer/send-money-to-south-africa">Send money to South Africa</a> | <a href="https://www.revolut.com/en-AU/money-transfer/send-money-to-thailand/">Send money to Thailand</a> | <a href="https://www.revolut.com/en-AU/money-transfer/send-money-to-canada/">Send money to Canada</a> | <a href="https://www.revolut.com/en-AU/money-transfer/send-money-to-the-uk">Send money to the UK</a> | <a href="https://www.revolut.com/en-AU/money-transfer/send-money-to-samoa">Send money to Samoa</a> | <a href="https://www.revolut.com/en-AU/money-transfer/send-money-to-nigeria/">Send money to Nigeria</a

<h4>How to top up by card?</h4><ul><li>Tap '<a href="revolut://app/topup-card" rel="noopener noreferrer" target="_blank">Add money</a>', </li><li>Add your correct card details (12 to 19-digit card number, expiry date, CVC code and billing address postal/ZIP code, if needed),</li><li>Choose the currency, enter the amount you'd like to top up and tap 'Add money securely'.</li></ul>We advise using your own card to add money. If someone else would like to add money to your Revolut account, they can send money to your account instantly via their Revolut app or via transfer.<h4>How to add another top-up card?</h4>You can add another top-up card anytime in-app, in the section <a href="revolut://app/topup-card" rel="noopener noreferrer" target="_blank">'Add money'</a>, by tapping on 'Change' and providing your new card details (12 to 19-digit card number, expiry date, CVC code and billing address postal/ZIP code, if needed).If you face any issues while adding money by card, open <a href="revolut://app/faq?key=question.my-top-up-by-card-failed" rel="noopener noreferrer" target="_blank">this article</a> to read more.

Adding money

Add money with a card

How to add money with a card

To check the reason of your failed top-up, go to <a href="revolut://app/transaction-list" rel="noopener noreferrer" target="_blank">transactions' section</a>, open your top-up attempt, tap 'Get help' and select your problem to see the exact reason.The most common reasons are:<ul><li> Due to 3D secure - ensure you have good internet connection, your app is updated to the latest version, and try to top up again. If it fails, contact the 'Card Payment' division of your bank to check if they're currently experiencing any issues with 3D secure authentication, and if 3D secure is enabled.</li><li>Due to AVS address mismatch - ensure the postcode of your card's billing address in your bank matches the one provided in Revolut app. You can update it in '<a href="revolut://app/topup" rel="noopener noreferrer" target="_blank">Top-up</a>' section → press 'edit' → tap on 'i' → edit the Billing postal/ZIP code. If the address is matching, please provide us a screenshot of your bank statement showing the last card top-up (with matching card confirmation code) done to your Revolut account.</li><li>Due to insufficient funds - if you have enough funds, contact your bank directly to clarify this issue, as it can't be fixed on our side.</li><li><a href="revolut://app/faq?key=question.what-cards-and-currencies-are-supported" rel="noopener noreferrer" target="_blank">Due to unsupported card</a>.</li><li>Due to the bank declining the transaction - contact the 'Card Payment' division of your bank and explain that you authorise transactions to Revolut to lift the limitations off your card.</li></ul>👉 You can always try to add money via different top-up method: <a href="revolut://app/mobile-topup" rel="noopener noreferrer" target="_blank">Apple/Google Pay</a> (3D secure verification not required), <a href="revolut://app/topup-bank-transfer" rel="noopener noreferrer" target="_blank">bank transfer</a> or another <a href="revolut://app/topup-card" rel="noopener noreferrer" target="_blank">bank card</a>.

My top-up by card failed

For newly added cards (including replacement cards received from your bank), you will have a temporary limit that allows you to add a certain amount of money per 24 hours.Our automated security system is responsible for setting these limits, taking into consideration multiple factors, to ensure your account is secure. Unfortunately, we can't disclose exact limits due to security reasons. Your daily limits refresh every 24 hours and limits can be increased when you use the app and build your financial history with us.If you wish to add more than your daily limit, you can add money via <a href="revolut://app/faq?key=question.how-can-i-add-money-to-my-revolut-account" rel="noopener noreferrer" target="_blank">other methods available</a>.All details about source of funds check can be found <a href="revolut://app/faq?key=topic.source-of-funds-check" rel="noopener noreferrer" target="_blank">here</a>.

Are there any card deposit limits?

👉 We will always disclose Revolut fee, before you add any money on the top-up screen, below the amount of your top-up.When you add money to your account with certain cards a small fee will incur. This is to cover the processing costs of card top-ups applied by the service provider. The following cards types will incur a fee:<ul><li>Domestic commercial card (up to 1%)</li><li>Domestic credit card (up to 1%)</li><li>International commercial card (up to 2.5%)</li><li>International credit card (up to 2%)</li><li>International prepaid/debit card (up to 2%)</li></ul>You can still top-up without fees using Local bank transfer or Domestic debit card top-ups.</li></ul>If you think Revolut has applied an incorrect fee to your personal top-up card, request a written confirmation from your bank to prove the card is private. The document should include: first six and last four digits of the card, your personal details, name of the issuing bank, card’s billing address and indication it's a personal/non-commercial card. Once you received confirmation from your bank, please provide it to us.👉 If there was no fee displayed on the top-up screen but you still got charged, check 🔍 <a href="revolut://app/faq?key=question.non-revolut-fees-for-adding-money-by-card" rel="noopener noreferrer" target="_blank">this article</a> to read more about bank fees.

Revolut fees for Adding Money by Card

New Revolut users won’t be able to enable auto top-ups straight away. We’ll let you know with an in-app notification when you can use this feature.To set up an auto top-up → tap ‘Add money’ → press 'Change' → select your card and click on the 'i' icon → tap '<a href="revolut://app/auto-topup" rel="noopener noreferrer" target="_blank">Add money automatically</a>' → set up the minimum amount which your balance has to reach in order to trigger the automatic top-up and the amount which will be added → tap 'Save'.If your auto top-up is not being triggered, check 🔍 <a href="revolut://app/faq?key=question.what-should-i-do-if-the-auto-deposit-does-not-trigger" rel="noopener noreferrer" target="_blank">this article</a>.

How do I set up an auto top-up?

The most common reasons why an auto top-up might not be triggered: <ol><li><a href="/en-AU/help/adding-money/with-card/issues-adding-money-via-card/my-top-up-by-card-failed">Insufficient funds</a> in your Bank account,</li><li><a href="/en-AU/help/adding-money/with-card/issues-adding-money-via-card/my-top-up-by-card-failed">Bank is blocking the transaction</a>,</li><li>Expired deposit card.</li></ol>🔍 Read more about auto top-ups in <a href="/en-AU/help/adding-money/with-auto-deposit/adding-money-automatically">this article</a>.

What should I do if the auto top-up does not trigger?

✅ We currently support Mastercard®, Visa® and Maestro® cards. ❌ American Express, Union Pay, PayPal, Cirrus Clabe, Discovery Cards are not supported. Due to international restrictions in place, it's not possible to top up your Revolut account with a bank card issued in Russia or Belarus.You can add money to your Revolut account with a card in AUD. You should add money in the currency that your card is held in. If your card is not in AUD, your bank might charge a conversion fee.

What cards and currencies are supported for a card deposit?

You should be able to top up your account with almost every bank.Revolut doesn't support card top-ups from the following countries: Afghanistan, Algeria, Angola, Belarus, Bosnia &amp; Herzegovina, Burkina Faso, Burundi, Cambodia, Central African Republic (CAR), Côte D’ivoire (Ivory Coast), Cuba, Democratic Republic of the Congo (DRC), Egypt, Eritrea, Eswatini (formerly known as Swaziland), Ethiopia, French Guiana, Guinea, Guinea-Bissau, Guyana, Haiti, Iran, Iraq, Laos, Lebanon, Liberia, Libya, Mozambique, Nigeria, North Korea, Pakistan, Palau, Palestine, Panama, Republic of the Congo, Sierra Leone, Somalia, South Sudan, Sri Lanka, Sudan, Syria, Tajikistan, Timor-Leste (East Timor), Trinidad &amp; Tobago, Tunisia, Uganda, Vanuatu, Venezuela, Yemen, Zimbabwe and Russia.🔍 <a href="revolut://app/faq?key=question.what-cards-and-currencies-are-supported" rel="noopener noreferrer" target="_blank">Supported cards and currencies</a> for top-ups.

Guide to Adding Money with a Card

What banks and countries are supported for card deposits?

Managing auto top-upsYou can update your auto top-up details anytime in the app in section '<a href="revolut://app/auto-topup" rel="noopener noreferrer" target="_blank">Add money automatically</a>' by pressing button 'edit' and applying changes.Disabling auto top-upsAnalogically, to disable auto top-ups, open '<a href="revolut://app/auto-topup" rel="noopener noreferrer" target="_blank">Add money automatically</a>' section, tap 'edit' button and confirm by pressing on 'Delete' button.

How do I manage an auto top-up?

Verifying your deposit card lets us know that the card you used to add money to your Revolut account is your own.👉 To find the 4-digit code used for the verification process, just check your bank statement and find a transaction with Revolut. It will appear as Revolut*1234* (This can take up to one day to appear dependent on your bank). Next, you can verify your deposit card in the <a href="revolut://app/topup-method" rel="noopener noreferrer" target="_blank">'Add money'</a> section of the app. You'll also be prompted to scan your card.

Verify my deposit card

Common reasons for a card deposit by Apple or Google Pay to fail include:<ul><li>Revolut card attached to Apple or Google Pay - check the last 4 digits of the card you're trying to top-up with to make sure it's not your Revolut card,</li><li><a href="revolut://app/faq?key=question.what-cards-and-currencies-are-supported" rel="noopener noreferrer" target="_blank">Card not supported for top-ups</a>,</li><li>Top-up card limits from the issuing bank's side - may not be visible in your online banking,</li><li>Issues on Apple’s or Google's end - contact Apple or Google Support for further assistance.</li></ul>👉 We also recommend topping up via <a href="revolut://app/faq?key=question.how-can-i-add-money-to-my-revolut-account" rel="noopener noreferrer" target="_blank">alternative methods</a>.

Issues Adding Money with a Card

Issues Adding Money with Apple/Google Pay

If a card deposit is pending, it means that something didn't go as expected when it was authorized, so we're waiting for your bank to respond to the card deposit request.A pending card deposit will eventually get marked as either completed or failed. It shouldn't take longer than 30 mins for a pending transaction to leave this state.In most cases, the funds are credited to your Revolut account if the transaction was completed. However, if the transaction failed, the funds should have stayed in bank account.Due to international restrictions in place, it's not possible to top up your Revolut account with a bank card issued in Russia or Belarus.

Why is my top-up by card pending?

When a card deposit fails, we instantly inform your bank about it. Sometimes it might take your bank up to five days to process our message and update your balance back to its original level.It's always better to confirm your recent card deposits – you can count how many times you were charged via your online banking, and how many card deposits were successful in the Revolut app.Most banks process card deposits with a slight delay, so a card deposit showing today could, in fact, be one from a few days ago.

My top-up by card failed but I was charged for it 

The most common reason for a card deposit to be reverted is a temporary connection issue with your bank. It's worth checking with your bank to see if they're currently experiencing any issues with their <a href="revolut://app/faq?key=question.my-top-up-by-card-failed" rel="noopener noreferrer" target="_blank">user authentication systems (3DS)</a>.In this case, you shouldn't be charged. But, if your funds got blocked, it might take your bank up to five working days to process our message and update your balance back to its original level.👉 Allow some time before attempting to top-up again. If you are still unsuccessful, try to add money via <a href="revolut://app/mobile-topup" rel="noopener noreferrer" target="_blank">Apple/Google Pay</a> or other <a href="revolut://app/faq?key=question.how-can-i-add-money-to-my-revolut-account" rel="noopener noreferrer" target="_blank">alternative method</a>.

Why has my top-up by card been reverted?

Unfortunately, we can't revert your card top-up, but you can send the money back to your bank account yourself.🔍 Read more here:<a href="revolut://app/faq?key=question.how-do-i-send-money-to-a-bank-account" rel="noopener noreferrer" target="_blank">How do I send money to a bank account?</a>

How do I cancel a card top-up?

You will no longer be able to top up in Kuna. Top-ups will only be available to your other accounts e.g. your Euro account. Your external Croatian bank may charge some fees if you use the card to add money to your Euro account. Unfortunately, we don't have visibility over such fees. Read more in '<a href="revolut://app/faq?key=question.non-revolut-fees-for-adding-money-by-card" rel="noopener noreferrer" target="_blank">Non-Revolut fees for Adding Money by Card</a>' FAQ.

Has Kuna discontinuation affected my top-ups?

If you've been charged twice for your card deposit and the top-up isn't visible on your Revolut account, but the amount was taken from your bank account, please contact your bank directly.If the top-up was credited to your Revolut account - you can send the money back to your bank account yourself. To find out more, check <a href="revolut://app/faq?key=question.how-do-i-send-money-to-a-bank-account" rel="noopener noreferrer" target="_blank">this article</a>.The transaction date within your bank statement may be slightly different, as card top-ups usually appear 1 to 2 days after they're made.

I've been charged twice for my top-up by card

If there was no fee displayed on the top-up screen, below the amount of your deposit and you got charged, it means your bank charged you with the fee. Revolut has no visibility over external bank top-up fees. We recommend 📞 reaching out to your bank directly to understand the reason behind this.Some external banks may charge you with a fee when:<ul><li>Your top-up is recognised as cash withdrawal</li><li>Your top-up is recognised as cash advance</li><li>Revolut is recognised as an international institution</li></ul>

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