How to deposit to a Revolut card – a beginner’s guide

Revolut is a popular digital platform that combines a mobile app and a payment card to make managing your money easy. To use your Revolut card to make payments or withdraw cash, you first need to add money to your Revolut account . Below, we’ll walk you through all the ways you can do this – step by step. You’ll learn how to top up your Revolut account with a debit or credit card, bank transfer, and other methods like Apple Pay. Follow the instructions to easily add money to your Revolut card and start using your funds right away.

Revolut offers several ways to top up in its app. Most often, funds are added via card or bank transfer, but it is also possible to use services like Apple Pay or even receive money from other Revolut users. It is important to check the account currency before making a deposit (in Croatia it is EUR) and enter the data correctly, as incorrect data can lead to a transaction being rejected. Revolut also does not charge additional fees for top-ups with bank cards in euros, and you will see the payment in your account almost immediately after authorization.

Card payment – ​​quick account top-up

The easiest way to add money to your Revolut card is with a debit or credit card. The first time you top up your account, you’ll need to enter your payment card details in the app; next time, that card will already be saved for a faster process. Here are the main steps for making a card payment:

1. Open the Revolut app and select the Add money option ( + Add money) under the account balance.
2. Choose the payment method – ticket. In the top-up window, click Change to see all payment methods. Then select Debit or Credit Card and enter the card number, expiry date and CVV code (security number on the back). Confirm your selection by clicking Continue .
3. Enter the payment amount . Enter how much money you want to deposit into the account. The minimum amount of payment is around HRK 90 (approximately €12). Make sure that the selected currency is EUR (euros) to avoid additional conversion costs.
4. Authorize the payment. After entering the amount, you need to approve the payment. Revolut will ask for verification – usually via 3D Secure confirmation (in-app notification or one-time password sent via SMS). Follow your bank’s instructions to authorize the transaction.
5. Confirm completion. Once the authorization is successful, the funds will be immediately available in your Revolut account. If everything is entered correctly, you will deposit the money without any Revolut fees. Revolut will remember your card for faster future deposits.

Tip: Be careful when entering your card details and amount. Make sure there are no errors in the card number or CVV code, as incorrect entry may lead to a transaction being declined. Also, always make sure you set the correct currency (EUR) for the payment to avoid paying unnecessary conversion fees.

If your card declines the transaction, it’s possible that the issue is with your issuer’s policies or 3D Secure settings. In that case, try the following:

• Check if you have push notifications or SMS confirmation turned on in your bank’s app.
• Try another card or activate the Apple Pay/Google Pay option in case your bank supports top-up via these services.
• If the payment is still blocked, contact the customer support of your bank or Revolut.

Payment via bank transfer

In addition to the card, you can also pay money to the Revolut card by bank transfer from any bank. Revolut provides IBAN and SWIFT data (most often Lithuanian for EUR) which you can use for SEPA transfer or domestic transfer. There are two options:

• Standard bank transfer. Start a standard SEPA transfer to your Revolut IBAN at your bank (you will receive these in the app or by email). The money will arrive in your Revolut account in 1-3 business days, depending on the sending bank. You can track the status of the incoming transfer in the Revolut app, and the user will be notified as soon as the payment arrives.
• Easy transfer from the app. Revolut supports so-called easy bank transfers from selected local banks. In the Revolut app, connect your bank account (the “Linked accounts” or Open Banking feature) and initiate the transfer from that screen. You don’t enter an IBAN here – just select your account and approve the transaction. If your bank supports instant payments, the money will arrive almost immediately or within a few minutes.

Example: If you have kuna and a Croatian bank account, you can convert your kuna to euros (via the Revolut app) and then make a SEPA transfer to your Revolut IBAN. When you deposit the euros, the funds will appear in your account and be available immediately.

Bank transfer tips

• IBAN and SWIFT. Check the correct data from the Revolut app. Revolut will give you an IBAN (most often in Lithuania) and SWIFT. Enter them in the bank fields in order to send the euro correctly.
• Payment deadline. Most SEPA transfers arrive within 24 hours, but sometimes it can take up to a few days. Be patient and follow the notifications in the app.
• There are no fees from Revolut. Revolut does not charge fees for receiving bank transfers in euros. There may be a small fee from your bank for sending money.
• A consistent currency. You must send the bank transfer in the same currency, the euro; if you send kunas, they are converted to euros earlier. In other currencies, a conversion transfer is required (which may include fees and longer processing times).

Overall, bank transfer is good for larger amounts: it’s free and easy, although rarely more time-consuming than paying by card.

Other payment methods

Apple Pay and Google Pay

If you like to pay with a mobile wallet, you can transfer money to the Revolut card via Apple Pay or Google Pay services. It works by linking your credit card to Apple/Google Pay in the Revolut app, and then starting the top-up process through that service. Revolut will redirect you to your wallet, where you approve the same transaction. This method can often bypass some problems with 3D Secure authentication because your phone does the authorization itself.

In short: in the Revolut app, during the Add Money step , under the list of cards, select Apple Pay or Google Pay (if you have already set them up) and follow the instructions. This is called depositing via mobile wallet and everything will happen instantly.

Transfers from other Revolut users

Another quick way is to receive money from friends or family via Revolut . If others also have Revolut, they can send money to you in the app – the money arrives immediately, without any fees, in seconds. All they need to do is find you by phone number or email, or enter your IBAN. This is how you send funds to Revolut , which can be considered a form of deposit into your account.

Linked accounts (Open Banking)

Revolut also allows connecting accounts in other banks for easier transfer and review of all funds. If you link your bank account (e.g. initially through the Add linked account option ), you can directly initiate a transfer from that account from the Revolut application. Linking instructions can be found in the Revolut app under “Linked accounts”. This facilitates a quick transfer because you don’t have to enter the IBAN manually every time – simply approve the transfer. If the linked account supports instant payment, the money arrives immediately; otherwise it can take up to 2 working days.

Currently, Revolut does not allow cash deposits . As stated by official support, cash deposits in Croatia (and in general) are not yet supported. So, you can’t go to a post office or bank and deposit money directly – for now, you can only use electronic payment methods.

Conclusion

In short, how to top up your Revolut card depends on your needs: for smaller amounts and speed, it’s best to use a debit or credit card, while for larger amounts, it’s often better to make a bank transfer. The simple steps are: launch Add money in the app, select a payment method (card or transfer), enter the amount and approve the transaction. By following the instructions and paying attention to the currency, you can quickly top up your Revolut account and immediately use the card to make purchases or withdraw money. Revolut also supports other methods (such as Apple/Google Pay, transfers from friends or linked accounts) if you don’t have your card or bank account on hand at the moment. With all these options, topping up your Revolut card is a simple process that will allow you to use the services without any problems.

Frequently asked questions

Sources

• How to deposit money into Revolut? – TAKO.hr tako.hr
• How to add money with a card – Revolut Help help.revolut.com
• Adding money via bank transfer – Revolut Help help.revolut.com
• Can I deposit cash into my Revolut account? – Revolut Help help.revolut.com
• How to add money to your Revolut account? – Revolut FAQ revolut.com
• Receiving money on my Revolut card – Revolut Help help.revolut.com

Cover photo: Photo by Sophie Dupau on Unsplash