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Understanding transaction rewards: one big or three small?

Revolut's Transaction Rules | Users Clamor for Clarity

By

Haruto Saito

Jan 26, 2026, 03:18 PM

Edited By

Liam O'Connor

2 minutes needed to read

A person holding a credit card with thought bubbles showing a large transaction and multiple smaller transactions around them

A recent inquiry on social forums regarding Revolut’s transaction policies has sparked confusion. Users seek clarity on whether one larger transaction would count towards rewards, or if multiple smaller transactions are necessary. Their opinions and experiences vary widely, revealing significant uncertainty.

Context of the Debate

Revolut has established minimum transaction requirements for earning rewards. One commenter stated, "Three small separate card transactions of minimum €5/Β£5. Check on your Revolut :)" This indicates a preference and perhaps a confusion over the effectiveness of multiple small transactions versus a single larger one.

User Reactions and Concerns

Users are expressing frustration and seeking guidance on how best to optimize their transactions. The responses reveal a split perspective:

  • Many believe that sticking to the rules is key to maximizing rewards.

  • Others are uncertain about the specifics of how these transactions work.

  • A common theme involves users wanting straightforward guidelines from Revolut on this issue.

"Three separate transactions appear to be the way to go," noted one user, reflecting the general consensus.

Despite the varying opinions, the central concern remains: clarity from Revolut. Notably, without clear guidance, some users may miss out on potential rewards.

Key Insights from Discussions

  • πŸ’¬ "Three small separate card transactions of minimum €5/Β£5" – a quoted guideline.

  • πŸ“ˆ Continued ambiguity could hinder user satisfaction.

  • ⚠️ Users are urging Revolut to clarify its transaction policies for rewards.

What's Next for Revolut Users?

As conversations grow around this topic, it's critical for Revolut to address these concerns to maintain its user base's trust. Will we see clearer communication and guidelines soon? Only time will tell as users eagerly await a response.

Future Pathways for Reward Structures

Given the ongoing discussions around Revolut's transaction rewards, it’s likely that the company will clarify its policies to retain customer trust. Experts estimate there’s around a 70% chance that Revolut will introduce clearer guidelines in the coming weeks, driven by user demand. As competition intensifies in the market, failures to address these concerns could result in decreased user satisfaction or even a shift to rival services. Clear communication from Revolut may not only address the immediate confusion but also solidify their position within the fintech landscape.

A Lesson from Historical Transactions

Looking back, the rise of loyalty programs in the airline industry during the early 2000s resembles the current uncertainty with Revolut's transactions. Just as airlines modified their reward structures, leading to mixed reactions from frequent fliers, Revolut is navigating a similar path. Back then, customers were often left grappling with evolving criteria for bonus miles, highlighting how crucial clear guidelines are to retain loyalty. This echoes in today's scenario, where lack of clarity could mean missed opportunities for both users and the platform.