Revolut Launches New In-App Call Identification Feature to Combat Impersonation Scams

Revolut, the London-based challenger bank and global fintech with tens of millions of customers worldwide, has introduced a new in-app security feature designed to fight rising impersonation scams targeting its user base. The new capability aims to give customers real-time warnings and guidance when they receive phone calls that may be fraudulent — a growing concern as fraudsters adopt increasingly sophisticated techniques, including AI-generated deepfake voices.

As digital payments and mobile banking become ubiquitous, impersonation scams — in which fraudsters trick victims into believing they are speaking to legitimate representatives of a bank or trusted institution — have grown in both frequency and sophistication. These scams often involve social engineering methods that pressure victims into transferring funds or sharing sensitive data, resulting in significant financial loss.

Revolut’s latest initiative is part of a broader effort to enhance customer protection and reduce financial crime across its platforms, building on recent security additions designed to address multiple types of fraud.

Real-Time Detection Meets Fraud Prevention

The new feature — referred to as an in-app call identification system — activates when a Revolut user opens the app while on a phone or voice call. At that moment, the system checks whether the caller is a verified Revolut agent. The detection works not only for standard phone calls but can also detect calls made through other applications that allow voice communication.

If the system identifies the caller as an official Revolut representative, the app displays a confirmation banner. If not, the user receives an urgent alert telling them they are not speaking to Revolut. This alert also offers guidance on steps to take to protect themselves, such as reporting the attempted fraud and securing their account.

According to Revolut, this real-time contextual system helps customers make informed decisions precisely when they are most vulnerable — during an active interaction with a potential scammer. The feature allows users to quickly understand whether a caller is truly affiliated with Revolut.

Why Impersonation Scams Are a Growing Threat

Impersonation scams have become increasingly effective as fraudsters leverage social engineering tactics and artificial intelligence. Deepfake voice generation tools can craft highly convincing speech patterns, making it difficult for victims to distinguish legitimate calls from fraudulent ones. A study cited by security analysts suggests that only around one-quarter of people can accurately detect a deepfake voice, while most incorrectly believe they can. This discrepancy increases vulnerability to fraud.

In a typical impersonation scam, fraudsters pretend to be bank officials, government agents, or trusted figures to convince a victim to authorize a money transfer, divulge security codes, or approve fraudulent transactions. If a customer trusts the call is legitimate, the scam can escalate quickly with financial consequences that are often difficult to reverse.

Revolut’s feature directly addresses this risk by giving customers the ability to verify call authenticity within the app itself — a step ahead of conventional phone call identification systems that do not use integrated app context or bank-specific verification.

Part of a Broader Security Strategy

Revolut has been rolling out safety features over the past several years aimed at detecting and preventing fraud. Earlier measures introduced in 2024 and 2025 include secure in-app calls, which allow users to communicate directly with Revolut support without relying on external phone numbers that could be spoofed, and biometric verification systems to protect transfers.

The company has also enhanced machine learning systems that analyse transactions in real time to spot and block risky activity before it affects customers’ accounts. These enhancements form part of a multi-layered anti-fraud strategy that extends beyond call detection to combat a range of threats such as unauthorised push payment (APP) fraud.

Revolut’s Head of Financial Crime, Woody Malouf, has emphasised that early detection and disruption of scams is critical. According to previous company reports, advanced fraud-prevention systems helped prevent hundreds of millions of pounds in potential scam losses, highlighting how serious the fintech is about safeguarding users.

User Experience and Roll-Out

The new call identification feature is already active for iOS users and will be made available to Android users through a proactive opt-in via the security settings within the app. Upon detection of a suspicious call, a real-time banner appears at the top of the screen, giving customers immediate context on the legitimacy of the call.

Additionally, tapping the banner provides customers with actionable next steps, such as how to report the fraud or secure their account if they determine the call is fraudulent. In doing so, Revolut aims not just to alert users, but to provide a support path when they need it most.

Industry Context and Broader Impact

Impersonation and phone-based scams are among the most disruptive forms of financial fraud worldwide. Regulators and consumer groups consistently warn that social engineering remains a leading cause of loss in digital banking, particularly when combined with automated payment authorisation methods that fraudsters exploit.

By integrating security measures directly into its app environment, Revolut is aligning itself with a broader trend in fintech security: embedding protections into user interfaces rather than relying on external verification or retrospective fraud detection. Proactive, contextual alerts empower users while reducing reaction time and potential financial loss.

While no security system can completely eliminate fraud, features like in-app call identification represent meaningful progress in giving users tools to recognise and respond to threats more effectively. As fraudsters refine their tactics, financial institutions and fintech platforms must continue innovating layers of defense to protect customers.

Conclusion

Revolut’s launch of an in-app call identification feature marks a strategic effort to address impersonation scams — a prevalent and evolving threat in today’s digital finance landscape. By combining real-time verification with actionable guidance, the fintech aims to reduce customer vulnerability during the most critical moments of potential fraud. As AI-powered deepfakes and social engineering become more sophisticated, such in-app verification tools are likely to become increasingly important across the banking and payments industry.