The short answer
A transaction line marked CKO * REVOLUT TOPUP indicates an electronic debit card top-up used to load funds into your Revolut multi-currency digital account, processed via Checkout.com.
Understanding Revolut Card Funding Top-Ups
A statement line showing CKO * REVOLUT TOPUP marks a Revolut Digital Account Card Funding Top-Up. Revolut Technologies Inc offers digital financial services, currency exchange, and debit cards managed through a mobile app. When you transfer money into your Revolut balance using an external debit card or credit card, Revolut uses Checkout.com to process the electronic funds transfer. The CKO * prefix identifies Checkout.com as the acquiring payment gateway responsible for routing money from your bank to your Revolut account.
This charge appears whenever you manually add funds to your Revolut balance, such as preparing money for travel abroad, paying a friend, or exchanging currencies. It can also happen automatically if you previously enabled the auto-top-up feature inside the Revolut app. Auto-top-up monitors your account and pulls a preset amount from your linked bank card whenever your balance drops below a chosen limit. Another common reason is a family member or joint account holder loading funds onto their card using your shared payment method.
To confirm where the money went, open the Revolut mobile application and inspect your transaction feed. The newly added funds should show as a completed top-up in your home currency balance. If you accidentally added more money than you planned, you cannot reverse the card transaction directly, but you can transfer the balance back to your bank account with a standard electronic transfer. If you do not have a Revolut account and suspect unauthorized card activity, contact your bank immediately to file a fraud dispute and freeze the affected card.
- Instant cash load added to your personal Revolut checking or travel card balance
- Automated recurring balance top-up triggered when your Revolut balance fell below a set threshold
- Currency exchange funding transfer prepared for international travel
Auditing Your Revolut Account Activity
You can verify every card deposit in real time through the Revolut app. The home screen shows your updated balance and transaction history, detailing the exact time and payment method used to load funds.
- Open the Revolut mobile app and check your primary currency balance.
- Inspect the transaction activity feed to confirm the incoming card top-up credit.
- Verify that the top-up amount matches the debited line on your external bank statement.
- Contact support immediately if a top-up occurred that you did not authorize.
Frequently Asked Questions
Why does my bank statement say CKO * REVOLUT?
Revolut uses Checkout.com as its acquiring payment partner for instant debit card funding, appending CKO * to the statement memo.
Can I reverse an accidental Revolut card top-up?
You cannot cancel a settled top-up, but you can immediately transfer the funds back to your external bank account via standard bank transfer.
Part of a family
CKO * REVOLUT TOPUP is one of the CKO* Checkout.com global payment charges lines — see the whole family decoded.
Independent reference — not affiliated with Revolut. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Revolut Card Top-Up Help and Instructions https://www.revolut.com/en-US/help/
- Checkout.com Fintech Acquiring Overview https://www.checkout.com
Reviewed Sep 11, 2026 · high · About UnknownCharges