How to cancel RevPoints with revolut and reclaim control of your rewards account

Understanding RevPoints and why you might cancel

RevPoints is Revolut's loyalty programme that credits you with points on eligible card spending and in-app purchases. You can convert those points into airline miles, gift cards, travel vouchers, or partner offers. The catch: points carry no monetary value, they are non-refundable, and their earning rate depends on your Revolut account tier. If you have upgraded to a paid plan to boost your point-earning rate, or if you purchase points as a recurring charge, you are committing real money to a rewards system that only pays out in vouchers or miles-not cash.

Many Irish consumers discover that the monthly plan cost or recurring point purchases do not match their actual redemption value. If you are in that position, cancelling RevPoints or downgrading your Revolut plan is a legitimate financial decision. This guide walks you through exactly how to cancel, what legal protections apply, and what to expect after you stop.

What RevPoints actually costs you

RevPoints itself is free to join, but the real expense arrives when you upgrade your Revolut plan for better earning rates or buy points directly. Here is the breakdown for Revolut tiers available to Irish customers:

If you pay €15.99 per month for Metal tier and earn points at a 1:1 ratio with airline partners, you need to redeem enough miles to cover that €191.88 annual subscription cost-and then actually use those miles to see any tangible value. For many people, especially light spenders, that maths does not work out. Run a simple annual calculation: Do the points you will earn minus the subscription cost equal real travel value, or are you feeding a system that only benefits Revolut?

When cancellation makes financial sense

You are a good candidate for cancellation if any of these apply:

• You have upgraded to a paid plan but rarely redeem points-the subscription cost is pure loss.
• You have set up recurring point purchases and forgotten about them-a common trap that quietly drains your account each month.
• Your redemption options are limited or airline partners available in your region offer poor value.
• You have calculated that the annual plan cost exceeds your realistic redemption value.
• You are concerned about point expiry; RevPoints typically expire 12 months after issuance under Revolut's terms.
• You want to downgrade to Standard and reclaim the monthly fee without losing access to Revolut itself.

Your consumer rights under irish law

Before you cancel, know your legal position as an Irish consumer.

The consumer rights act 2015 and automatic renewal

Under the Consumer Rights Act 2015, as amended by the Consumer Rights (Payment Surcharges) Regulations 2013 and the European Communities (Unfair Terms in Consumer Contracts) Regulations 1995, Revolut must provide you with clear, upfront information about subscription costs, auto-renewal terms, and how to cancel. If Revolut has charged you for a plan upgrade or recurring point purchases without explicit prior consent, or if the terms were not transparent, you have grounds to dispute the charge.

Key protections under Irish consumer law:

• Revolut must tell you the exact cost, frequency, and duration of any subscription before you agree to it.
• You have the right to cancel a subscription at any time, with the same ease as you signed up.
• Automatic renewal charges must not proceed without your prior informed consent.
• Revolut cannot hide cancellation steps behind multiple menus or make the process deliberately difficult.
• If you cancel within 14 days of signup (the statutory "cooling-off period"), you may be entitled to a refund of the subscription cost, provided you have not yet received the service.

Your legal position: You can cancel RevPoints participation at any time without penalty. If you wish to downgrade your Revolut plan tier, you are entitled to do so without losing your account. Unused points have no cash-refund value under Revolut's terms, but you retain the right to redeem them before you downgrade or cancel.

The enforcement route if revolut refuses

If Revolut refuses to cancel your subscription or disputes a refund claim, you can escalate to the Financial Services and Pensions Ombudsman (FSPO), which regulates financial services complaints in Ireland. The FSPO is free to use and operates under the Financial Services and Pensions Ombudsman Act 2017. Write to Revolut with your complaint first, giving them 8 weeks to respond. If they refuse or do not respond satisfactorily, submit your complaint to the FSPO within one year of the original issue.

How to cancel your RevPoints account and downgrade your plan

Cancellation involves two separate but related steps: stopping new point earnings and downgrading your Revolut plan if you wish to eliminate the monthly fee.

Step 1: contact revolut to cancel RevPoints

Revolut does not offer an automated in-app cancellation button for RevPoints. You must contact their Irish branch directly by email or post.

1. Send an email to [email protected] with the subject line "Request to cancel RevPoints account".
   • Include your full name and the email address or phone number linked to your Revolut account.
   • State clearly: "I request to cancel my RevPoints participation effective immediately."
   • Ask for written confirmation of the cancellation date.
   • Keep a copy of your email for your records.
2. Alternatively, write to Revolut by post at: Revolut Bank, 2 Dublin Landings, North Dock, Dublin 1, Ireland.
   • Use registered or tracked post so you have proof of delivery.
   • Include the same information as your email: full name, account identifier, and clear statement of cancellation.
   • Request written acknowledgement by return post.
3. Wait for Revolut's confirmation. Email responses typically arrive within 5-10 business days. Post may take 10-15 business days.
   • If you do not hear back within 14 days, send a follow-up email or escalate as described in the enforcement section below.

Step 2: redeem your remaining points before downgrading

Once your cancellation is confirmed, you have a limited window to redeem any accrued points before they expire or your account is closed.

1. Log into your Revolut app and navigate to the RevPoints section.
2. Review your current point balance and available redemption partners (airlines, gift cards, travel vouchers).
   • Note the expiry date of your points; they typically expire 12 months after issuance.
   • Do not redeem points unless they offer genuine value; poor conversion rates are common.
3. Redeem your points to your chosen partner before your cancellation becomes effective.
   • Screenshot or download your redemption confirmation in case you need to dispute a missing transfer later.
4. If you choose not to redeem, accept that those points will expire and have no cash value.

Step 3: downgrade your revolut plan tier (if applicable)

If you upgraded to Plus, Premium, Metal, or Ultra specifically to earn more RevPoints, downgrade to Standard to eliminate the monthly fee. This is separate from cancelling RevPoints itself.

1. Open your Revolut app and go to Settings > Plans & Subscriptions (or similar path, depending on your app version).
   • Exact menu names vary by app update, but the subscription section is always in Settings.
2. Select the paid plan you wish to downgrade from (e.g., Metal).
   • Review what features and benefits you will lose (e.g., higher foreign exchange rates, airport lounge access, cashback on specific categories).
   • Some Revolut users keep a paid tier for non-RevPoints benefits, in which case you do not need to downgrade.
3. Tap Downgrade to Standard or Cancel Plan.
   • Revolut will ask you to confirm and may offer a discount to keep you on the paid tier. Ignore this if you are certain you want to downgrade.
4. Confirm the downgrade. Your monthly fee will stop at the end of your current billing cycle.
   • Check your account 2-3 days after the cycle date to confirm the charge has ceased.
5. Keep a screenshot of the downgrade confirmation for your records.

Refunds and what you can realistically recover

Refund eligibility depends on when you cancel relative to your last charge and whether you fall within the statutory cooling-off period.

Subscription refunds within 14 days of purchase

If you upgraded to a paid plan or set up recurring point purchases and cancel within 14 calendar days, you may be entitled to a full refund under the Consumer Rights Act 2015, provided you have not yet consumed the service. This applies only if the service was not yet delivered or if you have not benefited materially from it.

1. Check the date of your first charge by opening your Revolut app and reviewing Payments > Subscriptions or Transaction History.
2. Count 14 days forward from that date.
3. If today's date is within that window, include in your cancellation email to [email protected] the phrase: "I am cancelling within 14 days of purchase under my statutory right of withdrawal and request a full refund."
4. Revolut must process the refund within 14 days of receiving your cancellation notice. The money will return to your original payment method.

Refunds after 14 days

If you are beyond the 14-day cooling-off period, your right to a refund depends on Revolut's terms and whether you have used the service. Under the Consumer Rights Act 2015, unfair contract terms that strip you of refund rights without cause are not enforceable. However, once you have actively earned and used RevPoints benefits, Revolut can argue that you have consumed the service and owe the subscription cost.

In practice:

• If you have earned points but not redeemed them, Revolut will likely refuse a refund for that billing period, arguing you received the benefit of point accrual.
• If you can show that Revolut charged you in error, or charged you without consent, you have stronger grounds for a post-14-day refund.
• If Revolut auto-renewed your subscription and you cancelled immediately upon discovering it, escalate to the FSPO and cite the automatic renewal rules in the Consumer Rights (Payment Surcharges) Regulations 2013.

Recurring point purchases: a common refund trap

If you set up a recurring charge to buy points directly (rather than earn them), you have the same 14-day window. However, many consumers forget about this recurring charge for months or years. When you finally cancel, Revolut may argue that you authorised multiple renewals and cannot claim a refund for periods months after purchase.

To recover multiple months of recurring point purchases:

• Gather all transaction receipts showing the recurring charge from your Revolut app or bank statement.
• Submit a formal written complaint to Revolut at [email protected], stating that the recurring charge was not clearly explained or that you did not authorise it to continue beyond the initial purchase.
• If Revolut refuses, escalate to your bank or card issuer and request a chargeback under the Consumer Rights Act 2015. You have up to 120 days (or longer in some cases) from the charge date to dispute it.
• If your bank declines, escalate to the FSPO with all evidence of the recurring charge and your cancellation request.

What happens after you cancel

Cancellation does not delete your Revolut account, and you retain full access to your funds and payment card.

Your account after cancellation

Once Revolut confirms your RevPoints cancellation:

• You will no longer earn new RevPoints on card spending or in-app purchases.
• Any existing points in your account will remain until they expire (typically 12 months after issuance) or you manually redeem them.
• If you did not redeem points before cancelling, they will be forfeited once the expiry date passes. Revolut will not refund their value in cash.
• Your Revolut account itself remains active. You can still spend, send money, and use all other Revolut features.
• If you downgraded your plan, you will no longer pay the monthly subscription fee, but you will also lose any paid-tier benefits (e.g., higher foreign exchange rates, airport lounge access, or cashback on specific categories).

If you change your mind later

You can re-enrol in RevPoints or upgrade your Revolut plan at any time. Simply log into your app and follow the prompts to reactivate. However, any points you forfeited due to expiry cannot be recovered, so do not rely on re-enrolment to retrieve old points.

Pricing comparison: cost of your plan tier versus redemption value

To decide whether cancellation is right for you, compare the annual cost of your Revolut plan against what you realistically redeem. Here is a quick reference:

If your annual spending is below the break-even threshold, or if your redeemed miles do not reach the target amount each year, downgrade or cancel to save money.

Common mistakes when cancelling RevPoints

Cancellation is straightforward, but many consumers make costly errors. Here are the traps to avoid.

Mistake 1: assuming the in-app menu will let you cancel

Revolut does not provide an in-app "Cancel RevPoints" button. Many consumers search the app endlessly, give up, and assume they are stuck. You are not stuck. You must contact Revolut by email or post, as described in Step 1 above. Email is faster and leaves a digital record.

Mistake 2: forgetting to redeem your points first

Points expire 12 months after issuance. If you cancel and do not redeem before expiry, they disappear with no cash refund. Redeem your points before or immediately after requesting cancellation, not after. Yafee recommends reviewing your redemption options at least 30 days before your planned cancellation so you have time to decide which partner offers the best value.

Mistake 3: confusing RevPoints cancellation with plan downgrade

You can cancel RevPoints while staying on a paid Revolut plan if that plan offers other benefits you value (e.g., cashback on groceries, premium foreign exchange rates, travel insurance). Conversely, you can downgrade to Standard without cancelling RevPoints if you still want to earn points on your spending. Make sure your cancellation email states exactly what you want: to stop earning RevPoints, to downgrade your plan, or both.

Mistake 4: not keeping evidence of your cancellation request

If you email [email protected], Revolut's reply may not arrive, may be delayed, or may not explicitly confirm the cancellation date. Screenshot your outgoing email, note the date and time sent, and note any email delivery receipt. If Revolut charges you again after cancellation, you will need this evidence to dispute the charge with your bank or the FSPO.

Mistake 5: expecting a refund for points you already earned

Revolut will not refund the monetary equivalent of points you accrued. Points have no cash value under Revolut's terms. If you earned 10,000 points but never redeemed them, you cannot ask Revolut to pay you €100 or similar. Your only option is to redeem those points for a voucher or miles before they expire.

Checklist: your step-by-step cancellation guide

Print or bookmark this checklist to ensure you do not miss a step.

• Review your RevPoints balance in the Revolut app and note the expiry date of your oldest points.
• Calculate whether your annual Revolut plan cost exceeds your realistic redemption value (use the pricing table above).
• Decide on your redemption partner (airline, gift card, travel voucher) and confirm they accept your points.
• Log into your Revolut app and redeem all or most of your points to your chosen partner.
• Screenshot your redemption confirmation and your account balance after redemption.
• Compose an email to [email protected] with the subject "Request to cancel RevPoints account".
• Include your full name, account identifier (email or phone), and the exact phrase: "I request to cancel my RevPoints participation effective immediately."
• Send the email and save a copy, including the date and time of sending.
• Wait 5-10 business days for Revolut's confirmation email.
• If you do not hear back within 14 days, send a follow-up email or escalate to the FSPO (details in the enforcement section).
• If you wish to downgrade your Revolut plan, log into the app, go to Settings > Plans & Subscriptions, and select Downgrade to Standard.
• Screenshot the downgrade confirmation and verify that your monthly fee stops at the next billing cycle.
• Check your transaction history 2-3 days after the next billing date to confirm the charge has ceased.
• Keep all screenshots and emails for at least 12 months in case of disputes.

Contact details and escalation route

You can cancel RevPoints through the following channels.

Primary contact: email

Email address: [email protected]

Send your cancellation request to this address with a clear subject line and your full details. Expected response time: 5-10 business days.

Secondary contact: post

Mailing address:

Revolut Bank
2 Dublin Landings
North Dock
Dublin 1
D01 X5A5
Ireland

Use registered or tracked post. Expected response time: 10-15 business days.

If revolut refuses to cancel or disputes a refund claim

Escalate to the Financial Services and Pensions Ombudsman (FSPO):

Contact: Financial Services and Pensions Ombudsman
Address: 3rd Floor, 120 Lower Baggot Street, Dublin 2, D02 X696, Ireland
Phone: 01 567 7000
Email: [email protected]
Website: www.fspo.ie

You must give Revolut 8 weeks to respond to your complaint before escalating to the FSPO. This service is free and operates under the Financial Services and Pensions Ombudsman Act 2017.

Why yafee helps you cancel with confidence

Cancelling RevPoints should not require legal knowledge or months of back-and-forth emails. Many Irish consumers struggle because Revolut deliberately hides the cancellation process-there is no in-app button, no obvious contact route, and no clear timeline for confirmation. Yafee cuts through that confusion by providing you with the exact steps, the legal framework that protects you, and the escalation route if Revolut stalls.

Yafee has helped thousands of consumers cancel unwanted subscriptions, downgrade paid plans, and recover unfair charges by grounding advice in the Consumer Rights Act 2015 and other Irish consumer legislation. Whether you are cancelling RevPoints because the annual cost does not justify the redemption value, or because you forgot about a recurring point purchase, Yafee ensures you know your rights and how to exercise them.

The bottom line: you do not owe Revolut your money if the rewards programme no longer serves you. Yafee's legal templates and step-by-step guides have helped thousands of Irish consumers reclaim control of their subscriptions. Start your cancellation today by emailing [email protected], and keep this guide for reference if Revolut delays or disputes your request. Yafee is here to ensure the process is swift, legal, and in your favour.