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What should I do if a transfer doesn't arrive to my Revolut account?

How long can it take for a transfer to reach my account?

Transfer time frames mostly depend on the country in which the sender’s bank is located. Domestic ACH transfers in JPY can take up to 1 business days. International SWIFT transfers may take up to 5 business days.

What if the timeframe has passed, but the funds haven’t been received?

Please ask the sender to check that details on the transfer confirmation match your account details. It's worth double-checking that the details on the transfer confirmation fully match your account details in the app, and that there were no typos.

Ask them to check the following:

  • Details on the transfer confirmation match your account details

It’s worth double-checking that the details on the transfer confirmation fully match your account details in the app.

  • Sender used the relevant account details for this certain transfer type (local vs SWIFT)

For example, if you have local JPY account details for a JPY transfer, check if the sender used them instead of the IBAN. If the transfer was sent to local account details via SWIFT, it’s likely to fail and return to the sending bank.

  • The funds haven't been returned to the sender

Even if the transfer was not credited back directly to the sender’s account, their bank might have already received the funds in the system.

How can Revolut help me locate the funds?

If you would like our support team to help you with your expected transfer, fill out the form below, attaching transfer confirmation.

Transfer confirmation can usually be generated in your online banking portal. The sender can also contact their bank directly and ask for it.

The confirmation should contain the following details:

  • Date the transfer was sent
  • Amount of the transfer
  • Your name and account details
  • Sender's name and account details

If you’re expecting an international transfer, please send us a SWIFT payment instructions, also known as MT103, a formatted message exchanged between banks that contains all details of the expected transfer including its unique tracking ID

This information is essential for us to run necessary checks in the system and to be able to help find your transfer.

At the same time, the sender can ask their bank to trace the funds as well. ‘Trace’ is a standard procedure conducted by sending banks to identify the whereabouts of non-received transfers by running comprehensive internal checks and contacting correspondent banks to help. 

While our Support agents will always help as much they can, only the sending bank can effectively investigate these issues, as they have full visibility of the transfer journey end-to-end.

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