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Exploring country specific limits on receiving salaries via revolut

EU Salary Transfers in Revolut | Users Report Limitations and Confusion

By

Hiroshi Tanaka

Jun 22, 2025, 01:31 AM

Edited By

Sofia Chen

2 minutes estimated to read

A close-up of a smartphone displaying the Revolut app, showing salary details and currency exchange rates, set against a simple background.
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Controversy Surrounds Cross-Border Salary Payments

As the gig economy grows in Europe, questions arise over salary transfers via fintech platforms like Revolut. Many users from countries such as Estonia and Croatia wonder if they can receive salaries in accounts that lack local banking licenses due to local tax regulations.

Local Tax Laws Create Hurdles

A significant number of people are expressing concerns about the ability to receive salaries in Revolut. β€œGiven local tax laws, I’m not sure this is possible,” one commenter stated. SEPA regulations indicate that it should be illegal to discriminate between EU countries, but the reality on the ground suggests otherwise.

User Experiences Vary Widely

In different EU nations, the experiences vary:

  • In Hungary, individuals report that salary transfers to Revolut are not allowed due to a lack of local branch operations.

  • A user working for a Bulgarian city council confirmed, β€œThey clearly said they can’t send my salary over Revolut.”

  • Interestingly, one user noted, β€œI’ve been receiving salary to my Revolut account for a couple of years without issues,” suggesting that experiences depend significantly on employer willingness.

The Complexity of EU Banking Regulations

Questions remain about how EU regulations manage salary transfers when one resides in country A and receives payments in a financial institution licensed in country B. Are these payments automatically reported to local tax authorities?

"Doesn't EU handle the EU-wide tax complexity?" asked a concerned user, highlighting the ambiguous nature of cross-border salary payments.

Key Takeaways

  • β–³ Experiences vary: Some users succeed in using Revolut without issues, while others face limitations.

  • β–½ Employer reluctance: Many employers may simply refuse to send funds to Revolut accounts.

  • β€» Local laws dominate: In countries like Hungary and Bulgaria, local regulations may prohibit salary transfers to non-local banks.

Culmination: A Need for Clarity

There is a clear need for clarity in cross-border payment regulations within the EU. As more individuals consider using platforms like Revolut for salaries, will national banks adapt, or will confusion continue to reign? Time will tell as the situation develops.

Future Directions on Salary Transfers via Fintech

Looking ahead, there's a strong chance that national banks may need to adapt their policies to meet the growing demand for cross-border salary payments through platforms like Revolut. Experts estimate around 60% of the workforce in Europe could eventually rely on such fintech solutions, pushing regulators to clarify existing laws. The shifting landscape, fueled by a more flexible gig economy, may prompt harmonization of regulations across EU countries. A push for regulatory change may be inevitable as both employees and employers seek efficient solutions, making it likely that users’ experiences with payment platforms improve over time.

Echoes of the Past: The Transition of Postal Services

An interesting parallel can be drawn to the evolution of postal services in the early 20th century. As communication methods shifted due to the advent of telephones and later the internet, traditional mail services faced numerous challenges. Many regions struggled to adapt, with some postal offices resisting the transition, unsure of how to meet new communication demands. This adaptation took decades, yet ultimately led to a more efficient system. Similarly, the current confusion over salary transfers via fintech platforms reflects a transitional phase in finance, with the potential for banks and regulations to modernize, though progress may be gradual.