Quick Guide: Understanding Cards and Other Methods for Adding Funds to Revolut

• This article is for reference only as it is merely a translated version of the Japanese article below.
  【すぐわかる】Revolut へチャージできるカードなどを解説 (Japanese version)

Starting from February 26, 2024, please be aware that funds added from debit cards cannot be used for transfers or ATM withdrawals. An amendment notice was issued by Revolut on January 25, 2024.

This article is aimed at those who wish to add funds to their Revolut accounts.

It will cover methods for adding funds to your Revolut account, the time it takes for the funds to reflect in the account, and important considerations for adding funds.

Additionally, we offer exclusive Revolut benefits that are not available elsewhere, so please read through to the end.

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Adding Funds to Your Revolut Account

Methods of Adding Funds

There are seven methods to add funds to your Revolut account.

Methods of Adding Funds:

• VISA Credit Card
• VISA Prepaid Card
• VISA Debit Card
• Mastercard Credit Card (Resumed)
• Mastercard Prepaid Card (Resumed)
• Mastercard Debit Card (Resumed)
• Bank Transfer (Domestic banks only)

From February 26, there will be changes to the restrictions on how funds can be used depending on the method of adding funds.

Funds added using various credit and debit cards (including prepaid cards) will only be usable for online payments, shopping, and currency exchange. These funds will not be eligible for international transfers, domestic transfers, or cash withdrawals.

If you wish to use the balance for international transfers, you must add funds via bank transfer.

Source: Revolut | Methods of Adding Funds to a Revolut Account

Time Until Funds Reflect in Account

The time it takes for funds to reflect in your account varies depending on the method used:

Time Until Funds Reflect in Account

• Various Cards: Instantaneous
• Bank Transfer: Usually the next business day

For bank transfers made outside of business hours, the funds will typically reflect by the second business day.

Source: Revolut | Want to Charge from a Domestic Bank Account (Charge by Bank Transfer)

Limit Amounts

The maximum amount that can be added also varies by the method:

Limit Amounts

• Various Cards: JPY 2,000 to JPY 1,000,000
• Bank Transfer: Up to JPY 1,000,000 (no minimum limit)

Source: Revolut | Maximum Amount Per Charge

Fees

A fee of 1.7% (inclusive of tax) is incurred when adding funds via various cards.

However, there are no fees for adding funds via bank transfer and VISA debit cards. (Note: Bank transfer fees from the originating bank may apply separately.)

If fees are incurred, the amount will be displayed below the field for entering the charge amount in the app.

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Adding Funds Procedure

The procedure varies depending on the method of adding funds.

Various Cards

Here are the steps for adding funds using various cards:

Steps to Add Funds Using Various Cards

1. From the app’s home screen, tap the “[+ Add Funds]” button.
2. Enter the desired amount to add.
3. Select the “[Register New Card]” button.
4. Enter the card details.
5. Tap “[Add]”.

Bank Transfer

The procedure for adding funds via bank transfer is as follows.

Procedure for Adding Funds via Bank Transfer:

1. Tap the Japanese flag icon displayed next to the balance on the app’s home screen.
2. Confirm the information required to transfer funds to your Revolut account.
3. Deposit funds from your domestic bank account into your Revolut account.

Important Considerations for Adding Funds to Your Revolut Account

Credit Cards Allowed for Adding Funds:

You can only use credit cards from VISA and Mastercard brands to add funds to your Revolut account.

International brands like JCB and American Express are not accepted.

Restrictions on Using Funds Added via Debit and Credit Cards:

With the exception of VISA debit cards, funds added to your Revolut account via credit cards cannot be used for international transfers.

Additionally, these funds cannot be withdrawn in cash from ATMs.

If you need to transfer money internationally or withdraw cash, you must add funds using a VISA debit card or a bank transfer.

Difficulty in Identifying the Source of Funds for International Transfers:

The Revolut app does not allow you to distinguish which card or transfer was used to add the funds.

Therefore, it is difficult to identify the funds available for international transfers or cash withdrawals within the app.

Methods to Distinguish Funds for International Transfers:

Currently, it is not possible to identify funds intended for international transfers within the Revolut app.

When adding funds via bank transfer, keep in mind that it takes more than one day for the funds to be reflected in your account, which may not be suitable for urgent international transfers.

How to Receive Payments from Acquaintances Using Revolut

Transfers between Revolut accounts are credited instantly.

In urgent situations, it is also possible to receive transfers from acquaintances who use Revolut.

Summary of This Article

This article has explained how to credit a Revolut account. Here’s a summary:

• Methods of Adding Funds: Credit cards under VISA or Mastercard brands, and bank transfers.
• Time for Funds to Reflect in Account: Instant for various card types, typically the next business day for bank transfers.
• Limits on Adding Funds: Between JPY 2,000 and JPY 1,000,000 for various card types; up to JPY 1,000,000 for bank transfers (no minimum limit).
• Fees for Adding Funds: Bank transfers and VISA debit card deposits – Free. Credit cards, prepaid cards, and Mastercard debit cards – 1.7% (including tax).
• Fund Usage: Funds added via bank transfers can be used for domestic and international transfers, as well as ATM withdrawals.

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