A complaint about late-night app alerts has led to a payout and ombudsman ruling for Revolut, after a customer said the notifications disrupted his sleep and affected his workday.
Complaint and initial response
Case previously reviewed UK Financial Ombudsman Service
(FOS), relating to a customer referred to as Mr A. According to City AM, he reported that two push notifications sent on separate days activated his phone during the early hours, waking him up and raising concerns that something was wrong with his account.
Revolut offered £25 compensation and directed the customer to settings that allow users to manage or disable notifications. The company also stated that some communications must be sent without time limits due to regulatory requirements.
A Revolut customer recently took his complaint to the Financial Ombudsman Service after receiving marketing alerts in the middle of the night. Listen to Business As Usual, brought to you by Okta: https://t.co/ga7FstcwhY#Digital banking services #FinTech Modernization… pic.twitter.com/PrZ6cafkOb
– City AM (@CityAM) June 17, 2026
The FOS decision noted: “Revolut has explained how Mr A can manage his notifications, including how to unsubscribe marketing communication. But it said its regulatory requirements meant some of its communications had no time frames. Mr A said the disturbance prevented him from going back to sleep and led to a bad day at work.
Continue reading: FCA review reveals concerns over push notifications and prize draws on trading apps
Ombudsman decision and question of payment
The dispute escalated after Revolut paid the compensation to Mr A’s business account instead of his personal account. The customer objected to the method of processing the payment and the amount of compensation.
The FOS investigator found that Revolut acted within its scope
Commitments When notices are sent a fair payment of £25 is deemed to be due. Mr A then requested a final decision from the Ombudsman.
The final ruling required Revolut to redirect the £25 to the correct account but did not increase the amount paid. Revolut declined to comment on the specific case, citing its ongoing ombudsman process, and said customers can opt out of marketing notifications through the app at any time.
It is worth noting, The UK Financial Conduct Authority has reviewed trading apps It found that features like live notifications and prize draws may encourage riskier investor behavior. Based on a study of over 9,000 consumers, push notifications increased trading activity by 11% and risky trades by 8%, while prize draws increased trading by 12% and risky trades by 6%.
The regulator also found that while companies recognize the need to use these digital features responsibly, some lack appropriate controls to ensure users understand investment risks. The FCA warned that some business models and pricing structures may not always provide fair value, and said companies must better align their practices with consumer protection rules.
This article was written by Jared Kirroy at www.financemagnates.com.
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