What happens to your Revolut accounts when you die

Revolut Prepaid Card Account (Prepaid Visa / Mastercard)

Revolut High-Yield Savings Account

Savings account services are provided by Cross River Bank, Member FDIC, insured up to $250,000. Revolut states: "Only 1 High Yield Account is permitted and is limited to $10,000 USD in user initiated deposits. The max combined balance of all Savings Accounts is $250,000 per user." The APY is variable and differs by plan (Standard, Premium, Metal). Revolut publishes no payable-on-death beneficiary designation and no trust titling for savings.

Revolut Savings Vaults

Which bank holds a vault depends on when it was created: Savings Vaults created on or before July 29, 2025 are provided by Sutton Bank, Member FDIC; vaults created after July 29, 2025 are provided by Cross River Bank, Member FDIC. Each is insured up to $250,000 at the holding bank. The Savings Vaults Terms (Cross River Bank Program) state that Revolut may end the agreement immediately if "you have died". Revolut publishes no payable-on-death beneficiary designation for vaults.

Revolut Stock Trading Account

Securities products and services are provided by Revolut Securities Inc., member FINRA/SIPC; DriveWealth, LLC "acts as a carrying broker for brokerage services provided by Revolut." Securities are not FDIC insured. Revolut publishes no transfer-on-death registration or beneficiary designation for the US trading account, and its bereavement page states that before the balance is transferred and the account closed, "any stocks that the deceased had bought will be liquidated and the equivalent value will be credited to the main balance of the deceased's account" -- heirs receive cash, not shares. Separately, Revolut states that "you cannot transfer your investments held in other brokers into your Revolut Trading account."

Revolut Automated Investing

Automated investing is provided by Revolut Wealth Inc., an SEC-registered investment advisor; Revolut states its Form ADV Part 2 (Brochure) is available on request and at the SEC's Investment Adviser Public Disclosure site. This is a different legal entity from the broker-dealer and from Revolut Technologies Inc. Revolut publishes no beneficiary designation or trust titling for automated investing. Its bereavement page describes liquidation of "any stocks that the deceased had bought" and does not address automated-investing portfolios separately.

Revolut Crypto (not offered in the US)

Revolut's US cryptocurrency terms page states: "Effective as of October 3, 2023, Revolut Technologies Inc. does not offer cryptocurrency services." Revolut publishes no US crypto product. An account the decedent held with a non-US Revolut entity is outside Revolut Technologies Inc. and is a separate matter for the bereavement team.