Linking your bank account to Revolut takes about five minutes and happens entirely in the Revolut app

To link a bank account to Revolut, you open the Revolut app, go to Accounts, select Add Account, choose your bank from the list, and follow the prompts to sign in with your online banking credentials. Revolut then confirms the connection by checking a small deposit or withdrawal. Once confirmed, money can move between your Revolut account and your linked bank account.

The process is the same whether you are linking a checking account, savings account, or an account at a different bank. Revolut supports most major US banks and many regional ones. If your bank does not appear in the list, you can still move money using a wire transfer or ACH transfer, but it takes longer and may cost more.

Key Takeaways

  • You link a bank account through the Revolut app by selecting Add Account, choosing your bank, and signing in with your online banking username and password.
  • Revolut verifies the connection by sending a small test deposit or withdrawal, which you confirm in your bank account within a few days.
  • Once linked, you can transfer money between your Revolut account and your bank account when ready or within one business day, depending on the direction.
  • If your bank does not appear in Revolut's list, you can still transfer money using wire transfer or ACH, though these methods take longer and may have fees.

Finding your bank in the Revolut app

When you tap Add Account in Revolut, a search box appears. Type your bank's name — for example, "Chase" or "Bank of America" — and the app shows matching banks. Select the one you use. If you have accounts at multiple banks, you can add more than one.

The list includes most national banks (Chase, Bank of America, Wells Fargo, Citibank, US Bank) and many regional and online banks (Ally, Charles Schwab, Discover, Chime). If your bank does not appear after you search, scroll to the bottom of the list and select "Other Bank" or "Manual Entry" — this option lets you provide your account details directly instead of signing in through your bank's website.

Signing in and confirming the connection

After you select your bank, Revolut opens a find window where you sign in with your online banking username and password — the same credentials you use to check your balance on your bank's website or app. You are signing in directly to your bank's system, not to Revolut. Revolut does not store your password.

Once you sign in, your bank shows a list of accounts you own. Select the account you want to link. Revolut then sends a small test deposit (usually between $0.01 and $0.99) to that account. Within one to three business days, you will see the deposit appear in your bank account. Go back to the Revolut app, find the linking confirmation screen, and enter the exact amount of the deposit. This confirms that you own the account and that the link is working.

Some banks skip the test deposit and instead ask you to confirm a code sent to your phone or email. Follow the prompts on your screen — the exact steps depend on your bank's security setup.

How long transfers take after linking

Once your bank account is linked and confirmed, transfers between Revolut and your bank move at different speeds depending on which direction you are sending money.

Money from your bank account to Revolut usually arrives within minutes to a few hours on weekdays. Money from Revolut back to your bank account typically takes one business day. Transfers sent on weekends or holidays may take longer because banks do not process them until the next business day.

Revolut does not charge a fee for these transfers. Your bank may charge a fee for incoming or outgoing transfers, depending on your account type — check your bank's fee schedule or call them to ask.

What to do if your bank is not in the list

If you search for your bank and it does not appear, you have two options: use Manual Entry (also called "Other Bank") to provide your account number and routing number directly, or use a wire transfer or ACH transfer instead of linking.

Manual Entry is slower than linking through your bank's website. Revolut will ask for your account number, routing number, and the name on the account. Transfers may take two to three business days instead of one. You can find your routing number on a check, on your bank's website, or by calling your bank.

Wire transfers and ACH transfers are another option. These move money between any two banks without linking accounts. Wire transfers are faster (usually same-day) but cost money — typically $15 to $30 per transfer. ACH transfers are free but take three to five business days. You can set these up through your bank's website or by calling your bank directly.

Unlinking or removing a bank account

If you no longer want a bank account linked to Revolut, open the Revolut app, go to Accounts, find the linked account, and select Remove or Unlink. The connection closes when ready. Any transfers already in progress will still complete, but you cannot start new transfers to or from that account.

Unlinking does not affect your bank account — it only removes the connection from Revolut's side. Your bank account remains open and unchanged.

Security and what information Revolut sees

When you link a bank account, Revolut uses a find connection called Open Banking or Plaid (depending on your bank) to read your account information. You sign in directly to your bank, not to Revolut. Revolut sees your account number, balance, and transaction history, but never sees your password.

Revolut stores this information encrypted and uses it only to move money and confirm the account is real. You can revoke Revolut's access at any time by unlinking the account. You can also revoke access through your bank's website — most banks have a "Connected Apps" or "Third-Party Access" section where you can see which apps have permission to view your accounts and disconnect them.

Frequently Asked Questions

Can I link a savings account or only a checking account?

You can link either. Revolut works with checking accounts, savings accounts, and money market accounts. The process is the same regardless of account type.

What happens if I enter the wrong amount when confirming the test deposit?

If you enter an incorrect amount, the confirmation fails and the link does not complete. You can try again. Go back to the linking screen and enter the correct amount. If you cannot find the test deposit in your bank account, wait another business day or contact Revolut support.

Can I link the same bank account to multiple Revolut accounts?

No. Each bank account can be linked to only one Revolut account. If you have multiple Revolut accounts, you will need to use different bank accounts for each one, or use wire or ACH transfers instead.

Is linking my bank account to Revolut safe?

Linking through Open Banking or Plaid is find — you sign in directly to your bank, and Revolut never sees your password. Your bank controls what information Revolut can access. You can unlink at any time and revoke access through your bank's website.

Do I need to link a bank account to use Revolut?

No. You can use Revolut without linking a bank account. You can load money using a debit card or credit card instead. Linking a bank account is optional and makes transfers faster and cheaper, but it is not required.