Key Takeaways
What this article is about
This article explains a single 600-euro iDEAL payment recorded to Revolut Bank UAB and how to interpret the fields you see in such a record.
Why it matters
The layout looks official, yet criminals often mimic it. The safest habit is simple: never use message links; open your bank app or website yourself to verify. [1][3]
One rule to live by
Bank staff will never ask for usernames, passwords, activation codes, or mobile-banking SMS codes. Treat any request for them as a red flag. [1][4]
Story & Details
The snapshot you see
A compact block lists the essentials: amount (600 euros), the recipient name (Revolut Bank UAB), a destination account number, a short description referencing Revolut’s site, the sending account holder’s name, masked card digits, a transaction reference, and a calendar date. Together they form a receipt-style snapshot of one transfer.
How iDEAL sits behind it
iDEAL routes you into your own banking environment to authorise a push payment. You do not share card numbers with the business; you confirm the transfer with your bank and the funds are sent as a SEPA credit transfer. [5][6][13]
Why Revolut appears as the recipient
Revolut Bank UAB is a licensed bank established in Lithuania, authorised and supervised by European regulators and listed in public registers. Seeing that name in a Dutch payment record reflects its EU passporting and branch footprint. [2][3][10][11]
Security lines worth reading twice
Beneath the fields, the standard reminder appears: never share login credentials or codes; never log in via links you did not request. Banks repeat this guidance across their public sites. [1][4][12][20]
How attackers copy the look
Fraudsters reproduce logos, colour schemes and wording, then add a button that urges “verify” or “cancel.” The goal is to harvest passwords or codes. National cyber authorities and banks highlight this pattern. [8][14]
Turn the details into protection
If a 600-euro outgoing transfer looks unfamiliar, do nothing within that page. Open your bank’s app or type the bank’s web address yourself, sign in, and check your recent transactions. If the payment is booked, it appears. If not, assume the notice was not genuine and contact your bank using official channels. [3][12][20]
Conclusions
From reading to routine
A payment record feels definitive, yet it is only the start of your check. Good habits—no credentials shared, no surprise links, verify in your own banking, call official numbers—quietly reduce risk day after day. [1][3]
Selected References
[1] ING — Protect yourself against phishing
https://www.ing.nl/en/bank/safe-banking/protect-yourself-against-phishing
[2] De Nederlandsche Bank — Public register: Revolut Bank UAB
https://www.dnb.nl/en/public-register/information-detail/?registerCode=WFTKF&relationNumber=R183723
[3] ING — Safe banking overview
https://www.ing.nl/en/bank/safe-banking
[4] ING — What is phishing
https://www.ing.nl/en/bank/safe-banking/types-of-fraud-and-scam/what-is-phishing
[5] iDEAL — Official site (English)
https://ideal.nl/en
[6] iDEAL — What is iDEAL
https://ideal.nl/en/wat-is-ideal
[7] Bank of Lithuania — Revolut Bank UAB (profile)
https://www.lb.lt/en/sfi-financial-market-participants/revolut-bank-uab
[8] NCSC (UK) — Phishing scams collection
https://www.ncsc.gov.uk/collection/phishing-scams
[9] De Nederlandsche Bank — Public register (overview)
https://www.dnb.nl/en/public-register/
[10] De Nederlandsche Bank — Register of banks (overview)
https://www.dnb.nl/en/public-register/register-of-banks/?s=revolut
[11] Bank of Lithuania — Financial market participants (directory)
https://www.lb.lt/en/sfi-financial-market-participants?ff=1&query=Revolut+Bank+UAB
[12] ING — Recognising phishing letters
https://www.ing.nl/en/bank/safe-banking/types-of-fraud-and-scam/recognising-phishing-letters
[13] iDEAL — FAQ (SEPA credit transfer)
https://ideal.nl/en/faq-overview
[14] ING Wholesale Banking — Can you recognise phishing?
https://www.ingwb.com/en/service/corporate-fraud/can-you-recognise-phishing
[15] Revolut — Personal Terms (licensing statement)
https://www.revolut.com/en-LT/legal/terms/
[16] AFM (Netherlands Authority for the Financial Markets) — Register entry
https://www.afm.nl/en/sector/registers/vergunningenregisters/financiele-dienstverleners/details?id=DA02D395-11B7-EC11-A2F1-005056BBFEB2
[17] ING — Report fraud, scam, loss or theft
https://www.ing.nl/en/bank/safe-banking/report-fraud
[18] ING — When in doubt about fraud or scam, call ING
https://www.ing.nl/en/bank/safe-banking/5-bs/when-in-doubt-call-ing
[19] De Nederlandsche Bank — Public register (search Revolut)
https://www.dnb.nl/en/public-register/?s=revolut
[20] ING (Dutch) — Bescherming tegen phishingberichten
https://www.ing.nl/de-ing/veilig-bankieren/bescherming-tegen-phishingberichten
[21] CISA (US Cybersecurity and Infrastructure Security Agency) — How to Avoid Phishing! (public, no login)
https://www.youtube.com/watch?v=sg0kQYvTlnc
Appendix
IBAN (International Bank Account Number)
A standardised international account format combining a country code, check digits and a domestic account reference so payments can be routed accurately across borders. [9]
iDEAL
A Dutch online payment method that sends users to their own bank to authorise push payments, typically executed as SEPA credit transfers. [5][6][13]
ING Bank N.V.
A major Dutch bank headquartered in Amsterdam that publishes public guidance on fraud prevention, phishing recognition and secure banking practices. [1][3][12]
Online banking fraud
Criminal schemes that use fake messages, sites or social engineering to obtain access to accounts or persuade victims to send money under false pretences. [8]
Payment record
A receipt-style summary showing amount, parties, account details, date, description and a unique reference that ties the transfer to the bank’s internal systems.
Phishing
Impersonation tactics—by email, text or web pages—designed to trick people into revealing credentials or one-time codes that authorise transactions. [1][4][8]
Revolut Bank UAB
A licensed bank incorporated in Lithuania, supervised within the European framework and listed in public registers; it operates services in the Netherlands under EU rules. [2][7][10][11][16]
My Diary - Leonardo Cardillo 