A criticism over late-night app alerts has resulted in a
compensation cost and an ombudsman ruling for Revolut, after a buyer mentioned
notifications disrupted his sleep and affected his workday.
Criticism and Preliminary Response
The case, reviewed by the UK Monetary Ombudsman Service
(FOS), concerned a buyer known as Mr A. In line with Metropolis A.M., he reported that two push
notifications despatched on separate days activated his telephone in the course of the early hours,
waking him and prompting concern that one thing was flawed along with his account.
Revolut provided £25 in compensation and directed the
buyer to settings that permit customers to handle or disable notifications. The
agency additionally acknowledged that some communications should be despatched with out cut-off dates due
to regulatory necessities.
A Revolut buyer lately took his grievance all the best way to the Monetary Ombudsman Service after receiving advertising and marketing alerts in the midst of the evening. Hearken to Enterprise As Traditional, delivered to you by Okta: https://t.co/ga7FstcwhY#DigitalBanking #FintechUpdate… pic.twitter.com/PrZ6cafkOb
— Metropolis A.M. (@CityAM) June 17, 2026
The FOS resolution famous: “Revolut defined how Mr A may
handle his notifications, together with easy methods to opt-out of promoting communication.
But it surely mentioned its regulatory necessities meant a few of its communications didn’t
have timeframes.” Mr A mentioned the disruption prevented him from returning to
sleep and led to a poor day at work.
Proceed studying: FCA’s Assessment Exposes Considerations over Push Notifications and Prize Attracts in Buying and selling Apps
Ombudsman Resolution and Fee Subject
The dispute escalated after Revolut paid the compensation
into Mr A’s enterprise account as an alternative of his private account. The client
challenged each the cost dealing with and the compensation quantity.
An FOS investigator discovered that Revolut acted inside its
obligations when sending the notifications and regarded the £25 cost honest.
Mr A then requested a last resolution from an ombudsman.
The ultimate ruling required Revolut to redirect the £25 to the
right account however didn’t enhance the payout. Revolut declined to touch upon the particular case, citing the
ongoing ombudsman course of, and mentioned clients can choose out of promoting
notifications by means of the app at any time.
Notably, the UK Monetary Conduct Authority reviewed buying and selling apps and located that options like push notifications and prize attracts could encourage riskier investor behaviour. Based mostly on a examine of over 9,000 shoppers, push notifications elevated buying and selling exercise by 11% and dangerous trades by 8%, whereas prize attracts raised buying and selling by 12% and dangerous trades by 6%.
The regulator additionally discovered that though companies acknowledge the necessity to use these digital options responsibly, some lack correct checks to make sure customers perceive the dangers of investing. The FCA warned that sure enterprise fashions and pricing constructions could not all the time ship honest worth, and mentioned companies should higher align their practices with client safety guidelines.
This text was written by Jared Kirui at www.financemagnates.com.
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