Revolut Megathread.

I had an issue with the credit union this morning. Tried their chatbot, useless. Called their helpline. Waited 1 minutes. Problem solved in 1 minute. I value my time and convenience and don't have this issue in the back of my head anymore.

I have options with legacy banks. I have no other option but a chatbot with Revolut.

My experience of having to go into legacy banks is far more recent

You're a single datapoint. There are many many many more datapoints online about the issues with Revolut. I am a single datapoint with legacy banks as well but with legacy banks, you have options.

Revolut is brilliant. I use it daily but its support isn't great with horror stories online. I prefer the option of a email/chatbot, a phone, or the branch. I get all three with legacy banks.

I think they're both shite, with each being a different type of shite

I've had experience of fraud with legacy and neo banks.

With PTSB I saw some transactions that I didn't make and had to contact them to get it sorted. Took a while but got them money back eventually.

With N26, nothing ever left my account. I got a message through the app that there had been attempted fraud on my account and they were replacing my card as a precaution. No funds left my account, and no action on my part was needed.

I did an entire application for a credit card online with the bank. Never had to go to a branch. Of course, I had the option if I wanted too.

I’ve also had fraudulent transactions with PTSB. No money ever left my account. Got a phone call telling me my card was cancelled and a new one was on the way. I had the great option of being able to walk into a bank and take out cash with ID.

Depends on the merchant's requirements. Any service that requires a regular payment will be looking for a card that can handle recurring transactions. Disposable cards by their very nature are single use.

Have you tried setting up a regular virtual card specifically for that merchant. That way you can cancel it at anytime with out affecting other subs. I have about a dozen virtual cards for all the various subs I have running.

Then there are some merchants that I cant get to accept any virtual card - Ticketmaster was the most recent issue I had.

You’re comparing apples and oranges there. In the first case, the fraud wasn’t detected and you managed it through the dispute/chargeback process. In the second case, the processor or network spotted the fraud and blocked the transaction. Neither of those things really depend on your bank, either scenario could happen at a legacy bank or a neo bank.

All done by hand-no computers or AI/Google then?

Same limits regardless of plan type for virtual cards. From the Revolut support

https://help.revolut.com/en-IE/help/cards/card-order/can-i-have-multiple-cards/

Maximum active cards

The number of active cards you can have at any one time depends on the card type.

- Physical: 12 active cards (Revolut Pro and Joint and Credit account cards count towards the limit)

- Virtual: 20 active cards

- Virtual single-use: 1 active card

You can only create 4 new virtual cards a month, including single-use cards. After you exceed this limit, you'll need to wait 30 days before you can create a new virtual card, even if you haven't exceeded your active limit.

I just got invited to RevPoints.

The T&C are a little bit different depending on the plan you have an as Standard User you need to activate Spare change to even be eligble.

But if this really works, it's a nice way to earn avios.

Just make sure to read all the documentation because especially spare change is missleading, as it's not giving you the roundup into your savings but rather as points.

So you need to ensure you analyse your pattern before you click "accept", it's the usual Revolut wilderness in T&C.

Revolut needs to beef up -wouldn't accept my credit union account.Not in their approved list.

Those RevPoint to Airline Miles are quite attractive - AerLingus is a 1:1 for Avios (most airlines seam to be the same).

If you have an ultra plan, you can get 1 Point per 1 € which makes this even better rate then the 1:4 (or 1:1 for EI spending) that the Aer Lingus Credit Card is offering.

But even with the standard plan it's 1 point per 10€ which is better than nothing.

Plus, it looks likes like you can actually tripple dip with certain vendors, i.e. use Aer Shopping for Avios, use the Revolut Shop for Cashback and the Revolut Points for more Avios.

Shop for some retailers and get 5 Avios per Euro via Aer shopping, then 3% discount via Revolut Shop and 1 Avios per 10€ (or even more if you have a paid plan) and those Avios rack up.

Now the only thing I don't like is the "spare change" on the standard plan because that in my opinion is not necessarily a good deal. Sure, you get 50 Points per 1€ spared but you buy the points with it. Money is gone, so if you pay 1.01€ at a shop you will buy 49 points for 0.99€. But then again if you spare 80€ you can get 4000 Avios which is enough for a flight to Europe, so it might be fine.

But if you are on a paid plan, you clearly should try Rev Points !

Just a follow up here, I'm self emplyed and transferred my wages from Revolut Business to my Revolut today, nothing changed. I contaced support and they told me it needed to be from an external bank account, so looks like I'll have to do a transfer to/from my EBS very 34 days to keep it active.

A bit silly really as surely it's to revolut's benifit that I'm paying wages directly into revolut.

Only a slight invonvience anyway, would be less hassle if all the bank trasfers were instant, they were instant when i was living in the UK over 10 years ago, strange the the Ireland/EU are so slow to implement a similar system.

Are you in Ireland? I thought they hadn't launched Rev Points in Éire yet.

It's available in Ireland since 11 June, you should see it when you log in or if you go into Lifeystyle on the top right corner!

I'm having a problem today transferring funds from BOI to Revolut. Usually when I do this, it just happens without me going to the BoI app, but sometimes I'm asked for the three digits on the back of the linked card. But today the process is different.

When I initiate it on the Revolut side with "Add Money", it now now brings up "Choose a bank to tranfer from" — the options are AIB, BoI and PTSB. I only have an account at BoI and it's the only bank one I've linked to Revolut. I select BoI and next it asks for three digits of my pin. But then it greys out for a few mins before I get an error message "Something's not right. Your request couldn't be completed. Please try again or return to Third Party."

I've had three failed attempts now.

Is anyone else having similar problems adding money from BoI?

How long does it take for transactions to transfer to revolut points anyone know?

When you retried the action did it ask for the same three digits of your pin? If not then I would suspect a scam where someone is trying to get hold of you full pin number.

Yes, which is why I calculated it as "at least 12000 Avios for 90€" which is a month of fee plus the downgrade fee.

Still a bargain, with some of the Avios Redemtion deals!

Do you mean how long does it take for Rev Points to be awarded?

My Points show up the day when the payment transaction is complete, i.e. a day or two after the payment was authorized depending on the store.

If you go into your Points balance and scroll down, you can see for which transactions you got the points rewarded.

In addition, in the main account view, you can click on a payment and see if you got points (or cashback), once the status of the payment is complete.

Euro notes are also,accepted.No need to lay out commission for buying USD.But bring e50 or e100 notes in uncirculated condition if possible.Smaller notes get a reduced exchange rate.The same applies to USD.

I think you need to take into consideration loads of things before you use Rev Points but if you are on a paid plan, this is free extra benefit that can rack up.

If you are on Ultra, for example, you will earn more Avios than even with the Aer Lingus Credit card for no extra charge.

The only plan where it really might not make sense is the standard plan because it requires the "spare change" active which is not an attractive offering as it purchases Rev Points for your round up.

And while Headforpoints is a great resource, please remember that Aer Lingus Rewards are still done different than BA Rewards and there are some great reward fares available for flat point values if you plan ahead.

Earning 10000 Avios for 90€ can't be beaten, for example as a reward to sign up for Ultra.

But everyone will need to do their own analysis to see if this fits, but as it's free on paid plans, it's always an additional feature. Just on the standard plan it indeed might not make sense giving the cost of the "spare change".

But I never used Revolut a lot besides Amazon and sending money to Friends, this weekend on a trip to London I used it extensively for just day to day spending and the hotel and now I have a few thousand Avios that I otherwise would not. Plus, I purchased the £ on Friday I got even better value for money than I would have had using my usual no foreign exchange fee Visa card.

So, for me it makes sense, if I keep the Ultra plan once I get my 10000 bonus Rev Points is a different question, but I will start using Revolut a lot more as it's basically a nice way to top up my Avios.

Not to mention that my savings suddenly had a better rate (forgot about that), so as with everything it comes down to ones own use case scenario.