I think all banks have an obligation to report but e-money institutions clearly don’t. To me it seems that Revolut do report though,
but you have the option to opt out in app. I swear there was a toggle for it but I can’t check now as I closed my account with them
Edit: from Revolut
7. Do you carry out credit checks about me?
We and our lending partners will use credit-reference agencies (or other providers of credit information in relevant countries) to carry out credit checks on you if you apply (or tell us you want to apply) for a credit product through Revolut.
We will also share your personal data with credit-reference agencies (or other providers of credit information) to:
- confirm details you have provided when you apply for products or services;
- make an assessment about whether to accept your credit application; or
- determine an appropriate credit limit for you.
When you enter into a credit agreement with us we may continue sharing information with credit reference agencies or other providers of credit information (for example, information about your repayments and whether you repay in full or on time).
The personal data we share with and receive from credit reference agencies (or other providers of credit information) when you apply for, or use, a Revolut credit product will vary depending on the country you live in. We will provide full details when you apply for a Revolut credit product.
For UK users only
If you are located in the United Kingdom, we may also check your credit history to help us develop and, in the future, offer credit products that meet the needs of our customers. This will enable us to pre-filter the credit products that you may be eligible for and, in some cases, let you know before you apply if you will be accepted for a Revolut credit product.
However, if you would prefer that we do not use your data in this way you can use the privacy settings in the Revolut app to opt out.