Update BreakdownLead
Revolut Ltd's version 10.136 update, released on June 26, 2026, has introduced critical bugs preventing new users from completing onboarding and existing users from accessing their accounts, causing a sharp negative shift in user sentiment.
A Quiet ReleaseRelease Summary
The v10.136 update was framed as a routine maintenance release. Official release notes provided only a generic message: "We've made some tweaks and improvements under the hood in this version to make your Revolut experience even smoother." No new features or major changes were announced.
Despite the quiet release, the update appears to have contained significant underlying modifications.[2] These changes have resulted in a severe degradation of the app's core functionality for a segment of its user base, which exceeds 1.91 million downloads in the last month in the US alone.
Despite the quiet release, the update appears to have contained significant underlying modifications.[2] These changes have resulted in a severe degradation of the app's core functionality for a segment of its user base, which exceeds 1.91 million downloads in the last month in the US alone.
Onboarding and Card Access FailuresBreaking Changes
Immediately after the update, users began reporting critical failures. The most severe issue involves the onboarding and identity verification process. New users are locked out after submitting sensitive personal information, unable to access the app or manage their data. One 1-star review on v10.136 stated: "They asked me what type card virtual or physical and then logged me out... Then tell you you’re not approved thru email but don’t allow you back in to cancel and remove your personal information."
A second widespread problem is app instability and freezes, specifically when trying to access virtual cards. Another 1-star reviewer on v10.136 noted the app is a "Buggy mess — Cannot access the virtual card on the device to add to Apple Pay. The app constantly freezes without loading card details."
A second widespread problem is app instability and freezes, specifically when trying to access virtual cards. Another 1-star reviewer on v10.136 noted the app is a "Buggy mess — Cannot access the virtual card on the device to add to Apple Pay. The app constantly freezes without loading card details."
Rating PlummetsUser Reception
The functional failures introduced in v10.136 have led to a substantial drop in user satisfaction. The app's average rating fell from 4.68 stars to 3.69 stars in the days after the release. This contrasts sharply with sentiment on the previous version, v10.135, where a 5-star reviewer praised it as "The best online banking ever."
The new wave of 1-star reviews focuses almost entirely on being locked out or unable to use funds. The shift from praise for reliability to reports of fundamental breakage marks a significant event for an app in the highly competitive finance category.
The new wave of 1-star reviews focuses almost entirely on being locked out or unable to use funds. The shift from praise for reliability to reports of fundamental breakage marks a significant event for an app in the highly competitive finance category.
Regulatory PressureRoot Cause
The root cause of the bugs in v10.136 appears to be unintentional software defects, not a deliberate product change. The failures coincide with increased regulatory pressure on the company. In early June 2026, it was reported that the European Central Bank (ECB) had imposed restrictions on Revolut in July 2025—nearly a year before the news broke—to address "deficiencies" in its processes.
It is likely that stricter security and verification checks were introduced in the update to meet these regulatory demands. These changes, possibly not tested sufficiently under real-world conditions, seem to have created conflicts that break core app functions. This hypothesis is supported by the strain on engineering resources from the company's rapid global expansion and recent regulatory compliance efforts.
It is likely that stricter security and verification checks were introduced in the update to meet these regulatory demands. These changes, possibly not tested sufficiently under real-world conditions, seem to have created conflicts that break core app functions. This hypothesis is supported by the strain on engineering resources from the company's rapid global expansion and recent regulatory compliance efforts.
VerdictExpert Verdict
This incident highlights the operational risks facing Revolut as it balances rapid global expansion with increasing regulatory obligations. While the company has built its brand on speed and innovation, a failure to maintain basic software quality can instantly erode user trust, particularly when it involves access to money. Revolut has not yet publicly acknowledged the specific issues with v10.136.
A corrective hotfix release is the expected next step. The company's handling of this event will be critical in determining whether it can retain users who have been locked out of their accounts and prevent further damage to its reputation for reliability.
A corrective hotfix release is the expected next step. The company's handling of this event will be critical in determining whether it can retain users who have been locked out of their accounts and prevent further damage to its reputation for reliability.