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How does Revolut decide whether to offer me credit?

Every applicant should provide:

  • Evidence of sufficient & sustainable income for a minimum of 3 months.
  • Access to open banking links to your account/s where you receive income. We are currently unable to link to KBC Bank or Credit Union Accounts. If your income is paid into one of those institutions accounts, you won't be able to apply for a credit with us at this time. Consider the benefits of having your salary paid to Revolut.
  • Proof of income demonstrating affordability after considering expenses and financial obligations.

We will also check your personal credit history through the Central Credit Register and how you have managed your credit in the past.