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© Revolut Ltd 2023

Revolut Technologies Singapore Pte. Ltd. (“RTSPL”) is registered in Singapore with Unique Entity Number 201721013G. RTSPL’s registered address is 30 Cecil Street, #19-08, Prudential Tower, Singapore 049712. RTSPL is regulated as a Major Payment Institution (licence no. PS20200326) by the Monetary Authority of Singapore (“MAS”). For more details, you can refer to the MAS website <a href="https://eservices.mas.gov.sg/fid/institution/detail/218707-REVOLUT-TECHNOLOGIES-SINGAPORE-PTE-LTD">here</a>. RTSPL provides insurance-related products as a registered Corporate Agent with the Agents’ Registration Board (C005604-000). The travel insurance policy is underwritten by Tokio Marine Insurance Singapore Ltd. with assistance services provided by AWP Services Singapore Pte. Ltd. Consumer advisory: Consumers (users) are advised to read the terms and conditions carefully.

Revolut Securities Singapore Pte. Ltd. (“RSSPL”) is registered in Singapore with Unique Entity Number 202102782K. RSSPL’s registered address is 30 Cecil Street, #19-08, Prudential Tower, Singapore 049712. RSSPL is regulated as a Capital Markets Services licensee by the Monetary Authority of Singapore (“MAS”). For more details, you can refer to the MAS website <a href="https://eservices.mas.gov.sg/fid/institution/detail/246695-REVOLUT-SECURITIES-SINGAPORE-PTE-LTD">here</a>.
 
If you wish to discuss data protection matters, please contact our Data Protection Officer at dpo@revolut.com. If you wish to provide feedback on our service, please email us at formalcomplaints@revolut.com.

To start investing in cryptocurrencies, head to <a href="revolut://app/feature/crypto" rel="noopener noreferrer" target="_blank">Crypto</a> and tap on 'Get started'. Once you read and accept our risk warnings and terms and conditions you can buy and sell crypto.To Buy: Tap Trade → choose the crypto → tap Buy → Add the amount → Review and confirm your order.To Sell: Select from your owned cryptos → tap Sell → Add the amount → Review and confirm your order.👉 Before you start investing, you should understand the risks of investing in crypto and decide whether it's right for you.

Currencies, crypto and trading

Cryptocurrencies

How do I start investing in cryptocurrencies?

You can buy and sell 80+ tokens with Revolut, including Bitcoin, Ethereum, Polygon, Solana, Dogecoin, and more. Check the full list in the app anytime by visiting the Crypto section.

Which cryptocurrencies are supported? 

We provide you with the opportunity to gain exposure to cryptocurrencies at the best available rate. The exchange rate disclosed for your transaction is generated based on market factors and you will be shown a margin on the transaction amount separately. You can see a full breakdown of the cost on our <a href="https://www.revolut.com/en-SG/legal/fees" rel="noopener noreferrer" target="_blank">Fees and Charges Section</a>.

How much does it cost to buy or sell cryptocurrency?

Unfortunately, it's not possible to cancel a crypto exchange, once the exchange has been confirmed. The only way to revert it is to make a new exchange.To make a new exchange, go to the <a href="revolut://app/feature/crypto" rel="noopener noreferrer" target="_blank">Crypto</a> section, select the cryptocurrency you wish to exchange and tap 'sell'. To exchange all of your current balance, tap on 'Personal' under the name of the crypto, and lastly tap on the confirmation button at the bottom of the screen.

Can I cancel or revert a crypto exchange?

There are a few reasons why a Crypto withdrawal might fail, the most common are:<h4>Withdrawal amount exceeded limits:</h4>There are fixed limits on the amount of crypto that can be withdrawn. These limits will be shown in-app when making a withdrawal. If you exceed either the daily or monthly limit, please try withdrawing a smaller amount or wait until the limit resets.<h4>Crypto address was flagged for additional checks:</h4>We perform checks on addresses at multiple stages. If an address is flagged, you won't be able to execute a withdrawal and the address will be disabled. However, you'll still be able to see it and will be able to remove it.

Why withdrawing crypto might fail?

We apply daily and monthly limits for withdrawals. These limits cannot be changed and are the same for all customers.The limits will be shown to you in-app when you review your withdrawal. Additionally, if you try to make a withdrawal that will exceed your current limit, the withdrawal will fail.Monthly limits reset after a 30-day period of the date of the withdrawal. For example, if you make a withdrawal of £1,000 worth of BTC on 2 March, your limit will be reduced by £1,000 until it resets after 30 days has passed on 1 April.

What are the limits on crypto withdrawal?

When you withdraw a cryptocurrency from Revolut, you'll be charged a fee, which consists of two parts:Network fee: The network fee is paid to the blockchain miners or validators who process the transactionRevolut fee: The service fee is paid to Revolut for processing the transactionBefore fees are applied, the minimum amount you can withdraw is displayed in-app.The network fee is variable and depends on the speed of the transaction and the amount of traffic on the blockchain network. To provide an estimate, Revolut calculates the anticipated network cost, adds the service fee, and displays the transaction breakdown and total cost in-app. You'll never be charged more than the quoted total.In some cases, the network fee may be higher than usual due to network congestion, the size of the transaction, or confirmation times.

How much does it cost to withdraw crypto?

A hard fork happens when a cryptocurrency's code changes, resulting in an old and new version. The developers of cryptocurrencies introduce a new version of the software which creates two parallel blockchains, leading to the creation of a new cryptocurrency.We'll evaluate how to handle potential hard forks on a case-by-case basis, and we can't guarantee support for new cryptocurrencies. Ahead of time, we'll communicate if we plan to accommodate any new cryptocurrencies resulting from hard forks.

What is a ‘hard fork’ and how does Revolut handle them?

We stream the prices from the exchanges we’ve partnered with and calculate a Volume Weighted Average Price (VWAP). Our derived rate takes into account other factors, such as market depth and volatility.

How does Revolut calculate the cryptocurrency rates?

Crypto Basics

Crypto Safety

We're licensed under the Payment Services Act to provide digital payment token services, including buying and selling cryptocurrency. As a Major Payments Institution licensee, we must comply with the flow cap limit imposed by the Payment Services Act. The limit specifies that annual transactions from your e-money wallet can't exceed S$30,000, including transactions for buying cryptocurrency.

Are there any limits on crypto exchanges?

A private key is a unique code tied to a cryptocurrency wallet address, used to access cryptocurrencies.Revolut appoints third party custodians on your behalf who protect the private keys of all Revolut users.

What are private keys and where are mine?

What can't I do with Revolut cryptocurrency?

Taxes on cryptocurrencies

More about Cryptocurrencies

Understanding Cryptocurrencies

To exchange crypto automatically you can use Limit or Stop Orders.A Stop Order is an order to buy or sell once the price of the asset reaches a specified price, known as the stop price. When the stop price is reached, a stop order becomes a market order and is executed at the best available price (which can be lower or higher than the stop price). A Limit Order is an order to buy or sell at a specified price or better. Buy limit orders will be executed at the specified price or lower, sell limit orders will be executed at the specified price or higher.

Can I set target prices for exchanging cryptocurrency automatically?

If you notice the selling price is lower than the buying price, don't worry, this is normal. This happens because we stream two rates: the market buy rate (Ask rate) and the market sell rate (Bid rate). The difference between the two rates is due to the Ask rate being the highest price that a buyer is willing to pay and the Bid rate being the lowest price that a seller is willing to accept, this difference is called 'spread'.

Why do I have different rates for Buying and Selling cyrptocurrencies?

Cryptocurrency recurring buys

You can receive automated price volatility alerts and be notified whenever the price of cryptocurrencies moves more than 2%. You can turn this alert on by going to your settings in 'Profile' and inside the <a href="revolut://app/privacy" rel="noopener noreferrer" target="_blank">'Privacy'</a> section enable 'Crypto volatility alerts'.

Can I be notified of crypto's price volatility?

With Revolut you can convert your cryptocurrency from and to fiat in just a few seconds if you select a Market Order. The transaction will first go into a pending state within the app, and then we will attempt to fulfil the exchange. Once confirmed within our platform, the price will be locked in and your transaction will be updated and complete.If you select the Limit Order, Stop Order or Recurring Buy options, these orders will be executed at a future date when they are triggered.

Does the conversion from and to cryptocurrencies happen instantly?

Holding cryptocurrency with Revolut is completely free, there are no maintenance fees of any kind.

Is holding crypto with Revolut free?

A limit order is an order to buy or sell at a specified price or better. Buy limit orders will be executed at the specified price or lower, sell limit orders will be executed at the specified price or higher.Limit orders aren't guaranteed to execute. Limit orders will only be executed if the price of the crypto increases/decreases to the set limit price.<h4>How do buy limit orders work?</h4>With a buy limit order, a crypto is purchased at your limit price or lower. Your limit price should be the maximum price you want to pay.Example: Crypto X is currently trading at $5, but you're only interested in buying the crypto if it goes below $4. So, you'd set your limit price to $4.If the price of crypto X drops from $5 to $4 or lower, your order will be executed (in full or partially) at $4 or lower.If the price of crypto X doesn’t drop to $4, your order won’t execute.<h4>How do sell limit orders work?</h4>With a sell limit order, crypto is sold at your limit price or higher. Your limit price should be the minimum price you want to get per share.Example: Crypto X is currently trading at $5, but you're only interested in selling the crypto if its price goes above $6. So, you'd set your limit price to $6.If the price of crypto X rises from $5 to $6 or higher, your order will be executed (in full or partially) at $6 or higher.If the price of crypto X doesn’t rise to $6, your order won’t execute.You can place a limit order in-app. On the buy screen, please tap on the market order dropdown, in the top right corner. You can select the type as limit order and enter the limit price value.

What is a crypto limit order?

A stop order is an order to buy or sell crypto once the price reaches a specified price, known as the stop price. When the stop price is reached, a stop order becomes a market order and is executed at the best available price (which can be lower or higher than the stop price).Stop orders aren't guaranteed to execute until the price of the crypto reaches the set stop price.<h4>How do sell stop orders work?</h4>For a sell stop order, you can set a stop price which is below the current price of the crypto. If the crypto falls to your stop price, your sell stop order will become a sell market order. The execution price of the order may be lower or higher than the stop price.Example: Crypto X is currently trading at $5, but you want to sell the crypto as soon as its price goes below $4. This may be because you suspect that the price might fall further, and you want to stop holding the crypto when it reaches $4. You'd set your stop price to $4.If the crypto price of X falls from $5 to $4, your sell stop order will become a sell market order and your order will be executed at the best price available.If crypto price of X doesn’t reach $4, your order won't be triggered.<h4>How can I set a stop order?</h4>You can set a stop order in-app. On the order screen, tap on the market order dropdown, in the top right corner. You can select the type as stop order and enter the stop price value.

What is a crypto stop order?

A market order is an order to buy or sell a crypto at the market’s current best available price. Market orders are often prioritised over other order types, which generally means they're matched and executed immediately.It usually ensures execution but does not guarantee a specified price. Therefore, it is often used by investors who want to fill their orders quickly.To place a market order, select the crypto you want to buy or sell and enter your order details (you'll be able to preview any fee)

What is a crypto market order?

Getting cryptocurrencies

We aren't issuing individual wallets at the moment. Once purchased, your cryptocurrencies are securely stored in a 'pooled' virtual currency account, which combines both 'hot' and 'cold' wallets. This is a repository of virtual currency private keys. We maintain our own internal ledger, which records your exposure that is reflected in the cryptocurrency account in your Revolut app.

Do I have an individual cryptocurrency wallet?

Transferring Cryptocurrencies

A collection is a group of cryptocurrency tokens that we've grouped based on the underlying use-case of the token. You'll find themes like Gaming, Metaverse, or DeFi related collections.You can find collections in the <a href="revolut://app/feature/crypto" rel="noopener noreferrer" target="_blank">Crypto</a> section, tap Discover, scroll down to Collections. Tap ‘see all’ or “Buy” if you want to invest!

What is a collection and where can I see it?

The same crypto exchange fee and trading limits will apply to collections. A minimum fee is not applied for collections.For Standard and Plus customers, the required minimum investment amount is £1 (or currency equivalent).The amount invested will be evenly distributed among the selected tokens after deducting the fee.

What is the fee, and minimum investment amount when trading collections?

Collection performance is an average value of all cryptocurrencies in the collection for the selected timeframe.

How is the collection performance calculated?

After investing in a crypto collection, you'll see the balances for each token individually among your holdings, in the same way you would see these tokens if you had bought them separately.At the moment, you can buy a collection as a whole. If you want to sell the tokens you bought from a collection, you will need to sell each token individually.

How are collections reflected on my portfolio?

You can only invest in collections using your fiat balance.

Can I buy a collection using my crypto balance?

Collections

Delisting refers to the removal of one or more of the cryptocurrencies (tokens) we offer.When a token is going to be delisted, we'll notify you in advance to give you the opportunity to sell or withdraw your crypto to an external wallet (if applicable). Once the delisting is announced all buying activity will stop. This includes any buy limit orders you may have in place.On the day of the delisting, the token will be completely removed from the app and any remaining balances will be converted to your main currency (SGD) at the market price available at the time of the transaction.Read more about delisting in our <a href="https://www.revolut.com/legal/cryptocurrency-terms/?geo-redirect=true" rel="noopener noreferrer" target="_blank">Terms and Conditions</a> (2. The cryptocurrencies available).

What is crypto delisting?

Possible reasons are:<ul><li>Regulatory/Compliance issues: If a token is found to be in violation of regulations (e.g. sanctions, deemed to be a security etc.), it may be delisted</li><li>Insufficient liquidity: Tokens with low liquidity (e.g. tokens with low trading volume on a daily basis) present risks to customers and the exchanges (such as high volatility and slippage). Both we and our partners have established liquidity requirements for tokens; if these are not met, we might have to stop supporting the affected tokens</li><li>Tokens with very low value: These tokens are susceptible to price manipulation which is a risk we cannot tolerate</li></ul>Other reasons can affect the viability of a token in the long run, such as security vulnerabilities or negative news (e.g. fraudulent or unethical behaviour by the team supporting the token).Although it's uncommon to delist a token if our partners still support it, this can nevertheless happen for various reasons:<ul><li>The liquidity provided by our partners is not sufficient per our requirements</li><li>Our risk assessment exceeds the risk tolerance we have on a particular token</li><li>Regulatory reasons specific to a jurisdiction we operate, even if our partners support it in other (or the same) jurisdictions</li></ul>Read more about delisting in our <a href="https://www.revolut.com/legal/cryptocurrency-terms/?geo-redirect=true" rel="noopener noreferrer" target="_blank">Terms and Conditions</a> (2. The cryptocurrencies available).

Why does Revolut delist tokens?

We cannot predict what will happen in the future with the tokens we currently offer. Delistings can happen at any time since they depend on a variety of factors, a lot of which are unknown and outside our control, so it is challenging to predict them in advance. However, we will always provide as much notice as possible before we delist a token.Read more about delisting in our <a href="https://revolut.com/legal/cryptocurrency-terms/?geo-redirect=true" rel="noopener noreferrer" target="_blank">Terms and Conditions</a> (2. The cryptocurrencies available).

Are you planning on delisting other tokens?

Delistings can lead to greater volatility especially if more than one exchange delists the same token at the same time. The two main reasons for this are:<ul><li>A delisting reduces the available liquidity in a token (fewer places to trade it). This can lead to the price being more sensitive to buying and selling pressure</li><li>The announcement of a delisting can create negative sentiment among investors which would want to sell their holdings quickly. This can lead to a sudden drop in price</li></ul>

Can crypto rates be very unstable/highly volatile during delistings?

Revolut isn't liable for any losses you may incur if a cryptocurrency’s value falls to zero, or because there were unusual or unexpected events outside our control (like events requiring a delisting).If you’re unhappy with our service and want to make a complaint, you check our <a href="https://revolut.com/legal/cryptocurrency-terms/?geo-redirect=true" rel="noopener noreferrer" target="_blank">terms and conditions</a> for further instructions on how to reach us.

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