'Karma' | Revolut tracks staff behaviour with bonus-linked points system

Revolut is using a points-based system to assess staff conduct, with scores directly influencing employee bonuses, the fintech revealed in its 2024 annual report.

The controversial internal tool, called 'Karma', was launched in 2020 and is designed to promote good risk and compliance behaviour among staff. 

According to the report, Karma tracks how well employees adhere to risk protocols, awarding or deducting points that feed into team-level performance scores. These aggregated team scores can then either enhance or reduce an individual’s bonus.

Revolut describes Karma as a “feedback loop that rewards and corrects behaviours,” and says it has become an integral part of its efforts to build a “healthy risk and compliance culture.” The firm claims Karma performance across the company improved by 25% since the system was introduced.