Revolut - Ultracheap FX (prepaid Mastercard)

Dardania

suave.4u wrote: »

Was on Norwegian flight last week and tried to pay with Revolut. Air hostess tried couple of times, but the payment did not go through.
Finally, reluctantly had to use AIB visa card.
Word of caution: Can't completely rely on these kind of cards!

Norwegian changed something in their policy in the last few months - I frequently never had an issue with Curve aboard, but my wife did last week.

The bunq Travel card should be a good backup - it's coded as a credit card so their terminals should take it better. I shall give it a whirl next week on a Norwegian flight.

stockshares

Dardania wrote: »

I signed up to Metal yesterday to try it out. It's fine - fractional shares are available which I never used before.

The brokering services are offered by a third party called DriveWeath.

https://storage.googleapis.com/revolut-dev-apps_stock-logo/documents/termsofbusiness.html

More on Revoluts Shares service.
https://www.siliconrepublic.com/companies/revolut-commission-free-stock-trading-service

Metal card is not necessary as it will be available to all users in the coming weeks but Metal customers will be able to buy more shares.

arrowman

Heading to Japan in October for the rugby. Going to use Revolut while I'm there.
Japan is still fairly reliant on cash which is a surprise since they are so into their tech.
So will likely be withdrawing Yen from ATMs a few times during the trip
The €200 fee free limit per month will not cover this so I'd expect to be hit with the 2% charge on withdrawals after that
Will I still be better off using Revolut for cash withdrawals due to it's better currency exchange?

Also is it safe to load up the card with euro to cover what I think I will spend on the trip before I go? What if the card is stolen or used fraudulently ?
Would I be safer just loading up as I need it when I am there?

listermint

arrowman wrote: »

Heading to Japan in October for the rugby. Going to use Revolut while I'm there.
Japan is still fairly reliant on cash which is a surprise since they are so into their tech.
So will likely be withdrawing Yen from ATMs a few times during the trip
The €200 fee free limit per month will not cover this so I'd expect to be hit with the 2% charge on withdrawals after that
Will I still be better off using Revolut for cash withdrawals due to it's better currency exchange?

Also is it safe to load up the card with euro to cover what I think I will spend on the trip before I go? What if the card is stolen or used fraudulently ?
Would I be safer just loading up as I need it when I am there?

Load it up but keep it frozen or locked . And only unlock via the app when you need to use it.

killbillvol2

arrowman wrote: »

Heading to Japan in October for the rugby. Going to use Revolut while I'm there.
Japan is still fairly reliant on cash which is a surprise since they are so into their tech.
So will likely be withdrawing Yen from ATMs a few times during the trip
The €200 fee free limit per month will not cover this so I'd expect to be hit with the 2% charge on withdrawals after that
Will I still be better off using Revolut for cash withdrawals due to it's better currency exchange?

Also is it safe to load up the card with euro to cover what I think I will spend on the trip before I go? What if the card is stolen or used fraudulently ?
Would I be safer just loading up as I need it when I am there?

That depends on your bank and their charges.

Dardania

listermint wrote: »

Load it up but keep it frozen or locked . And only unlock via the app when you need to use it.

Also suggest checking out Curve - on their free tier they have an ATM amount free also (I think E200 also).

arrowman

Dardania wrote: »

Also suggest checking out Curve - on their free tier they have an ATM amount free also (I think E200 also).

Ok - saw some details of curve on another thread somewhere. Will check it out
I was under the impression that Curve just allowed you use your existing cards but was not a card in it's own right

Good point about locking the card until I need to use it

killbillvol2

arrowman wrote: »

Ok - saw some details of curve on another thread somewhere. Will check it out
I was under the impression that Curve just allowed you use your existing cards but was not a card in it's own right

Good point about locking the card until I need to use it

There's a method on the other thread for using it in conjunction with Revolut to give you €400 in ATM withdrawals.

Mortelaro

I see they're starting share trading
Initially to metal cards

https://www.revolut.com/help/exploring-revolut/trading

adam88

arrowman wrote: »

Heading to Japan in October for the rugby. Going to use Revolut while I'm there.
Japan is still fairly reliant on cash which is a surprise since they are so into their tech.
So will likely be withdrawing Yen from ATMs a few times during the trip
The €200 fee free limit per month will not cover this so I'd expect to be hit with the 2% charge on withdrawals after that
Will I still be better off using Revolut for cash withdrawals due to it's better currency exchange?

Also is it safe to load up the card with euro to cover what I think I will spend on the trip before I go? What if the card is stolen or used fraudulently ?
Would I be safer just loading up as I need it when I am there?

Not sure about the fees but in terms of security you can lock your card and unlock it when you want to make purchases. In the security section you can also restrict online transactions, atm transactions and lock the card there also

doney84

Hi all, quick question regarding the €200/£200 atm withdrawals ... If I'm in the UK can I withdraw £200 before charges or is it that I can withdraw €200 worth of sterling as my card is registered to an Irish address?

-=al=-

£200/$200 it's all good. Doesn't matter if it's the UK or Éire or € or £

LauraW7746

Hello, new Revolut user just have a few questions apologies if been asked before...

My main account is in Euro
I have also set up a Sterling account..
If I have money in my Euro acc & money in my Sterling acc if I travel to the UK & make a purchase, will the money be automatically taken from my Sterling account??

Can I use the card for Amazon.co.uk purchases?

Can someone explain the virtual vs disposable virtual card?

Thanks!

dubrov

LauraW7746 wrote: »

Hello, new Revolut user just have a few questions apologies if been asked before...

My main account is in Euro
I have also set up a Sterling account..
If I have money in my Euro acc & money in my Sterling acc if I travel to the UK & make a purchase, will the money be automatically taken from my Sterling account??

Can I use the card for Amazon.co.uk purchases?

Can someone explain the virtual vs disposable virtual card?

Thanks!

It will debit the Sterling Account if there is sufficient balance. If not it will debit the Euro account using the current exchange rate (note this is worse at the weekend).

Yes

Don't know that one

Atlantic Dawn

LauraW7746 wrote: »

Hello, new Revolut user just have a few questions apologies if been asked before...

My main account is in Euro
I have also set up a Sterling account..
If I have money in my Euro acc & money in my Sterling acc if I travel to the UK & make a purchase, will the money be automatically taken from my Sterling account??

Can I use the card for Amazon.co.uk purchases?

Can someone explain the virtual vs disposable virtual card?

Thanks!

Money will be automatically taken from the Sterling account first if you are in the UK.


Yes you can use it for Amazon purchases, once you have payment set to sterling it will take from the sterling account first there also.


Virtual card means it's a card on the phone which can be used multiple times. If your phone has NFC you can use this card at point of sale terminals in retailers too.



The disposable virtual card can be used once for a transaction, I'm unsure if you can use that at point of sale terminals once or it it's online only.

LauraW7746

Atlantic Dawn wrote: »

Money will be automatically taken from the Sterling account first if you are in the UK.


Yes you can use it for Amazon purchases, once you have payment set to sterling it will take from the sterling account first there also.


Virtual card means it's a card on the phone which can be used multiple times. If your phone has NFC you can use this card at point of sale terminals in retailers too.



The disposable virtual card can be used once for a transaction, I'm unsure if you can use that at point of sale terminals once or it it's online only.

Great thanks for the info, I was also wondering would the amazon purchase come out of the sterling account... so thats great thanks again!

gerard2210

Can I use the card for Amazon.co.uk purchases?

Amazon can be tricky. I had a couple of issues where Amazon would put a hold on the funds and then make another attempt when the item was dispatched, this caused the transaction to be declined because the money I had on the card would be in a holding account or something. You're better off using the card to top up your Amazon account then make the purchase.

punisher5112

gerard2210 wrote: »

Can I use the card for Amazon.co.uk purchases?

Amazon can be tricky. I had a couple of issues where Amazon would put a hold on the funds and then make another attempt when the item was dispatched, this caused the transaction to be declined because the money I had on the card would be in a holding account or something. You're better off using the card to top up your Amazon account then make the purchase.

Sure can ...

RoYoBo

Re Sterling or Euro - it's important to note that there must be sufficient in one or the other to complete the purchase. A combination of funds is not possible.

Re Amazon - it can indeed be tricky. I almost always use an Amazon gift card for purchases these days. If you purchase a lot of small things, Amazon peppers your card in chunks of small payments that sometimes triggers a fraud alert and the freezing of the card.

Something else with Amazon that's a small irritation (for me anyway) that despite my Revolut card being linked to my account for years, every single purchase, even gift card top-up, triggers a £1 test fee that has to be reverted sometime later.

killbillvol2

RoYoBo wrote: »

Re Sterling or Euro - it's important to note that there must be sufficient in one or the other to complete the purchase. A combination of funds is not possible.

Re Amazon - it can indeed be tricky. I almost always use an Amazon gift card for purchases these days. If you purchase a lot of small things, Amazon peppers your card in chunks of small payments that sometimes triggers a fraud alert and the freezing of the card.

Something else with Amazon that's a small irritation (for me anyway) that despite my Revolut card being linked to my account for years, every single purchase, even gift card top-up, triggers a £1 test fee that has to be reverted sometime later.

Amazon does that on every card if it's not taking payment immediately. Lots of retailers do. You just don't see it on the other cards.

RoYoBo

killbillvol2 wrote: »

Amazon does that on every card if it's not taking payment immediately. Lots of retailers do. You just don't see it on the other cards.

It may happen with other cards, but Amazon take the £1 and immediately afterwards (as in seconds) take the funds for purchases. If I buy something every day in a different transaction, or even more times in a day, the £1 is faithfully removed every time. I use my Revolut with many other UK retailer accounts and it only happens with Amazon, so I accept it's an Amazon thing, which is what was being discussed.

Agent_47

Other issue is that if you cancel the order with Amazon it can take 7 days for the funds to revert which is very annoying

EagererBeaver

RoYoBo wrote: »

killbillvol2 wrote: »

Amazon does that on every card if it's not taking payment immediately. Lots of retailers do. You just don't see it on the other cards.

It may happen with other cards, but Amazon take the £1 and immediately afterwards (as in seconds) take the funds for purchases. If I buy something every day in a different transaction, or even more times in a day, the £1 is faithfully removed every time. I use my Revolut with many other UK retailer accounts and it only happens with Amazon, so I accept it's an Amazon thing, which is what was being discussed.

No, Amazon takes the full funds when the order is confirmed. This isn't always instantaneous, regardless of what card you use.

LauraW7746

Amazon does seem a bit tricky, so would I be better off topping up my amazon account with gift cards using revolut?

Creamy Goodness

Agent_47 wrote: »

Other issue is that if you cancel the order with Amazon it can take 7 days for the funds to revert which is very annoying

The same with any other card. It takes time for your traditional bank to apply refund too

LauraW7746 wrote: »

Amazon does seem a bit tricky, so would I be better off topping up my amazon account with gift cards using revolut?

Really depends how you use it, I just keep an extra buffer on the card £5-10, top-up by how much I need to purchase and I never run into problems. There’s nothing wrong with buying top ups but you do lose out on live exchange rates with the £ dropping like a stone at the moment.

I’ve never had any issue with amazon tbh and feels a bit like work having to go buying gift tokens to make purchases. The one euro thing while I don’t understand why they keep doing it isn’t a big deal and I don’t really remember the price if an item being taken twice though I’d usually have a much higher balance in Revolut than the cost if the item so it wouldn’t be a big deal.

I just keep a euro balance also don’t bother converting to stg, just let Revolut do the work.

Aint Eazy Being Cheezy

Trying to verify my account and they keep rejecting my ID, despite it being perfectly clear in the photos. Anyone else have this problem?

Thephantomsmask

Aint Eazy Being Cheezy wrote: »

Trying to verify my account and they keep rejecting my ID, despite it being perfectly clear in the photos. Anyone else have this problem?

Are you using a passport it is the only one accepted for Ireland.

Aint Eazy Being Cheezy

Thephantomsmask wrote: »

Are you using a passport it is the only one accepted for Ireland.

Passport & DL

LauraW7746

Creamy Goodness wrote: »

The same with any other card. It takes time for your traditional bank to apply refund too




Really depends how you use it, I just keep an extra buffer on the card £5-10, top-up by how much I need to purchase and I never run into problems. There’s nothing wrong with buying top ups but you do lose out on live exchange rates with the £ dropping like a stone at the moment.

Yeah that is exactly why I want to use Revolut to get the better rates on the currency
I was just worried there when people said their card got frozen when trying to use it on Amazon

RoYoBo

EagererBeaver wrote: »

No, Amazon takes the full funds when the order is confirmed. This isn't always instantaneous, regardless of what card you use.

According to Amazon, funds are taken when the product is ready to be dispatched, not at order confirmation.

They say the £1 authorisation only happens with a first order with most credit cards. It appears that Revolut - and perhaps all such pre-pay cards - incur the authorisation fee every time an order is placed.

Not a big deal though if you're aware of it and keep track through the app.

J_A_F_A

In the 2 years that I've been using Revolut on Amazon I've never had an issue. Over 100 transactions. I always have a decent balance.

LauraW7746 wrote: »

Amazon does seem a bit tricky, so would I be better off topping up my amazon account with gift cards using revolut?

Dardania

J_A_F_A wrote: »

In the 2 years that I've been using Revolut on Amazon I've never had an issue. Over 100 transactions.

If you’re like me, and aren’t afraid to have a balance on Revolut with auto top up etc, it’s fine.

The problem occurs when people match their balance precisely to the transaction amount.

hawkelady

I was in lifestyle sports today and a lady in front of me tried to pay for her runners using a revolut card and before she got a chance to put her card in the machine , the teller told her that they don’t accept revolut , sorry !! What’s up with that ?
The lady had to leave her runners there so she could go find her husband who had another card !! Found it strange

Yggr of Asgard

hawkelady wrote: »

I was in lifestyle sports today and a lady in front of me tried to pay for her runners using a revolut card and before she got a chance to put her card in the machine , the teller told her that they don’t accept revolut , sorry !! What’s up with that ?
The lady had to leave her runners there so she could go find her husband who had another card !! Found it strange

Yeah, unfortunately a merchant can decide what types of Mastercard they would like to accept (i.e. refuse commercial cards for example due to the higher fee) but to not accept a specific card from an issuer is not something that should happen.

If it would be me I would log a complaint with Mastercard / Visa (depending on what it was).

Fann Linn

92.11 at the mo for sterling. Boris is doing a lot for revolut.

hawkelady

hawkelady wrote: »

I was in lifestyle sports today and a lady in front of me tried to pay for her runners using a revolut card and before she got a chance to put her card in the machine , the teller told her that they don’t accept revolut , sorry !! What’s up with that ?
The lady had to leave her runners there so she could go find her husband who had another card !! Found it strange

That’s total bull from them and I would kick up a stink, I don’t see how they can refuse a card or even why they would do it.

If they still refused after complaining I’d get out another card so they would put the transaction into the terminal and then quickly pull out the Revolut card and tap it if the transaction was below 30 just to annoy them. That or use Apple Pay (or curve) with Revolut so they wouldn’t know what card I was using.

-=al=-

Surely if they accept visa or mastercard it's game on... It's just a prepaid card.

I would have insisted to use it as it would most likely work perfectly fine.

long_b

Haven't been following the thread recently but since when has the Visa card worked with Google Pay?

Nice!!

thelad95

-=al=- wrote: »

Surely if they accept visa or mastercard it's game on... It's just a prepaid card.

I would have insisted to use it as it would most likely work perfectly fine.

There's multiple types of visa and MasterCard which can be discriminated against, mainly pre-paid cards.

You can't 'trick' a merchant by using Apple pay or concealing the Revolut card in your hand, the payment physically won't go through and you may get an 'invalid card' message on the card reader.

As has been mentioned I'm very surprised a large merchant like lifestyle would have any restrictions on what card they take as they're more than big enough to absorb whatever fees smaller merchants are trying to avoid.

thelad95

thelad95 wrote: »

There's multiple types of visa and MasterCard which can be discriminated against, mainly pre-paid cards.

You can't 'trick' a merchant by using Apple pay or concealing the Revolut card in your hand, the payment physically won't go through and you may get an 'invalid card' message on the card reader.

As has been mentioned I'm very surprised a large merchant like lifestyle would have any restrictions on what card they take as they're more than big enough to absorb whatever fees smaller merchants are trying to avoid.

What are the chances it’s actually blocked on the machine rather than just staff watching for the cards and stopping people using them. I’d guess it’s the latter tbh.

thelad95

Toby Angry Slammer wrote: »

What are the chances it’s actually blocked on the machine rather than just staff watching for the cards and stopping people using them. I’d guess it’s the latter tbh.

Any time I've had Revolut payments not go through I've gotten an error such as 'invalid card' type'.

If it's the staff manually saying no then they're breaking their agreements with VISA

Sinister Kid

I had three transactions last week that failed, two are showing as reverted but the funds have not returned to my account. I assumed that they would automatically return the funds, has anyone else had an issue like this?
The third transaction is still pending.

5star02707

Sinister Kid wrote: »

I had three transactions last week that failed, two are showing as reverted but the funds have not returned to my account. I assumed that they would automatically return the funds, has anyone else had an issue like this?
The third transaction is still pending.

They'll be returned more than likely 3-7 business days

Sinister Kid

5star02707 wrote: »

They'll be returned more than likely 3-7 business days

So is it 3-7 days for it to show as reverted & then a further 3-7 days before the funds appear in the account?

I'm on with live chat, they say that one on the transactions was reverted on the 2nd. I haven't received the funds yet.

killbillvol2

Sinister Kid wrote: »

So is it 3-7 days for it to show as reverted & then a further 3-7 days before the funds appear in the account?

I'm on with live chat, they say that one on the transactions was reverted on the 2nd. I haven't received the funds yet.

The 2nd is one working day ago.

thelad95

thelad95 wrote: »

Any time I've had Revolut payments not go through I've gotten an error such as 'invalid card' type'.

If it's the staff manually saying no then they're breaking their agreements with VISA

I use Revolut as my main card and the only place I’ve had a transaction fail in Ireland was the post office as it’s coded as a credit card.

The only other fails I’ve had were I had it fail maybe 2 or 3 times across 3 weeks of using it everyday in the US on magnetic swipe readers.

lau1247

In the older version of the app, I can see the top up limit per year.

I can't seem to find that anymore in the redesigned app (Really hard to navigate in the new layout).

Anyone know where I can find it? or is the limit no longer apply?

Davexirl

I had a revolut Mastercard till it expired and never had any problems. I got issued with a new Visa card and I find I get declined payments online a lot more. Most recently on Superdrug.com, the amount has been taking from my Revolut account but declined by Superdrug, I am now waiting for funds the be reverted. I used this site with my old Mastercard and never had an issue. Could the problems be Visa?

DareGod

Hey guys. I don't have a Revolut account yet but I am considering it. I hope you can appreciate that there are almost 9,000 posts in this thread so rather than going through all posts to find an answer (answers for which searching online has failed me) I'm going to just ask here if that's okay.

1. Do direct debits tend to go through successfully without issue, like they do when using regular Irish bank accounts? Or have there been any unusual issues reported with DDs?
2. Can a Revolut account be used seemlessly as a UK bank account, including to receive salary from a UK employer/bank into? Or have there been any problems with this?

Thanks.