Revolut - Ultracheap FX (prepaid Mastercard)

yosser hughes · 08-09-2015 7:43am

Niemoj wrote: »

Something interesting I noticed.

I topped up by €10 to get the £5 bonus with my AIB Visa Debit card and it actually says it was topped up via Royal Bank Of Scotland!

Strange that it's seeing it as a Scottish bank (incorrect) as opposed to an Irish one.

It depends on who they use for their clearing services. Bank of Ireland for example, use Lloyds for their UK clearing. Or they used to anyway.
Some banks use intermediary banks as well.

sangsung · 08-09-2015 8:37am

Folks I am going on holidays to Italy next week. Would I be better off using my revolut card while there rather than my Visa Debit? Would I save on fees?

soirish · 08-09-2015 8:58am

Changed my pin yesterday and the card was rejected in store today.

SteelyDanJalapeno · 08-09-2015 9:55am

soirish wrote: »

Changed my pin yesterday and the card was rejected in store today.

I think you're best verifying yourself with Revolut before relying on it too much

The Ayatolla · 08-09-2015 10:07am

Anyone have any lucky verifying ?

Tried using the driving licence but it seems impossible. What's the technique required?

vandriver · 08-09-2015 10:30am

The Ayatolla wrote: »

Anyone have any lucky verifying ?

Tried using the driving licence but it seems impossible. What's the technique required?

It will work if you have one of the new credit card licenses.Otherwise,use your passport,and just line it all up till the lines change colour.

Frynge · 08-09-2015 10:36am

vandriver wrote: »

It will work if you have one of the new credit card licenses.Otherwise,use your passport,and just line it all up till the lines change colour.

I was able to verify with my pinky!

flangemeistro · 08-09-2015 10:52am

Frynge wrote: »

I was able to verify with my pinky!

Same here, it looks like they are only interested in the picture and not the details so just turn your pinky sideways.

Niemoj · 08-09-2015 11:54am

Still no card. I get they're probably swamped with demand but how long should I wait before I cancel the card in case An Post/whoever have taken it?

Niemoj · 08-09-2015 1:01pm

I just noticed on the card I have yet to get that the pin is 1313!

I thought recurring numbers like this aren't allowed in a pin as they're too easy?

Has since been changed now of course!

duffman13 · 08-09-2015 1:03pm

Niemoj wrote: »

Still no card. I get they're probably swamped with demand but how long should I wait before I cancel the card in case An Post/whoever have taken it?

when did you order the card?

The Ayatolla · 08-09-2015 1:04pm

duffman13 wrote: »

when did you order the card?

Probably Sunday judging by some of the posters on here!

Edit - some fella posted his Mastercard pin on a public forum. I really have seen it all.

Take me now Lord, I'm ready.

Niemoj · 08-09-2015 1:42pm

The Ayatolla wrote: »

Probably Sunday judging by some of the posters on here!

Edit - some fella posted his Mastercard pin on a public forum. I really have seen it all.

Take me now Lord, I'm ready.

God forbid someone could get my information from it and drain my account of £5!!

I changed it before posting here anyway.

Niemoj · 08-09-2015 1:42pm

duffman13 wrote: »

when did you order the card?

2 September.

Was supposed to have been here on the 7th and no sign.

Frynge · 08-09-2015 1:43pm

My card arrived one day sfter the expected delivery.

If anyone is worried about the card being lost in the post and someone using it, you can just block the card in the app and then unblock whenever you want to use it.

Also i was in a shop earlier and had forgotten my wallet but the revolut card was in the car. Between leaving the the shop for the car and back in i had €30 lodged on the card and it worked perfect.

Irish Halo · 08-09-2015 1:52pm

Niemoj wrote: »

Still no card. I get they're probably swamped with demand but how long should I wait before I cancel the card in case An Post/whoever have taken it?

Have you contacted Revolut via in the in app support?

Niemoj · 08-09-2015 1:57pm

Irish Halo wrote: »

Have you contacted Revolut via in the in app support?

Yeah, I tried it and they basically said to wait a bit and see does it show up.

wush06 · 08-09-2015 5:24pm

The Ayatolla wrote: »

Bank transfers done on a weekend are not initiated until the Monday.... It should probably be there Wednesday morning at the latest.

yosser hughes wrote: »

Most cross border transfers take 2 working days. What do you think was going to happen your payment on a Sunday?
As the Aytolla says, Wednesday it will be most likely there.

TiltedBrain wrote: »

This, what did you expect

From there website

You can top up instantly using your debit card or via a bank transfer. Open the Revolut App and tap 'Top Up' to enter your debit card details. If you want to top up via bank transfer you can find the necessary details by tapping the top menu 'Top up by Card' if you are on iOS or swiping left if you are on Android. You must use your 8-digit reference number if you are topping up via bank transfer for the transaction to be processed.

killbillvol2 · 08-09-2015 5:50pm

sangsung wrote: »

Folks I am going on holidays to Italy next week. Would I be better off using my revolut card while there rather than my Visa Debit? Would I save on fees?

There shouldn't be any fees within the eurozone so no advantage.

gipi · 08-09-2015 6:38pm

Niemoj wrote: »

I just noticed on the card I have yet to get that the pin is 1313!

I thought recurring numbers like this aren't allowed in a pin as they're too easy?

Has since been changed now of course!

How do you change the pin? Mine has a recurring theme too.....

Niemoj · 08-09-2015 7:03pm

gipi wrote: »

How do you change the pin? Mine has a recurring theme too.....

On the app under "My Card" tap show pin and there's an option to change it.

galwayjohn89 · 08-09-2015 7:05pm

Just used it as a test in Istanbul. Took out 20 Lira, €5.95 was taken out of my revolute balance, exactly what xe.com said. No fees at all. Great being able to take out only small amounts at a time.

_dof_ · 08-09-2015 7:32pm

wush06 wrote: »

From there website

You can top up instantly using your debit card or via a bank transfer.

They should probably have a comma before the "or" :
"You can top up instantly using your debit card, or via a Bank Transfer" to make it clearer that the "instantly" part only applies to the debit card.

But it begs the question, if they make money by the small fees that merchants pay when you use your revolut card, don't they have to pay the same fees to your debit card provider when you top up using a debit card?

gipi · 08-09-2015 9:17pm

Niemoj wrote: »

On the app under "My Card" tap show pin and there's an option to change it.

Thanks, no option on mine to change though? Not a major issue, I'lk keep an eye on it.

Tony · 08-09-2015 9:20pm

Same here and i have verified identity. As you say no biggie

gipi wrote: »

Thanks, no option on mine to change though? Not a major issue, I'lk keep an eye on it.

gipi · 08-09-2015 9:23pm

Tony wrote: »

Same here and i have verified identity. As you say no biggie

Just discovered that my version of the app needs to be updated...and one of the new features is change pin.

chasm · 08-09-2015 11:26pm

Used my card for the first time yesterday here in the UK. Withdrew sterling at an ATM and had no issues whatsoever.
After the issues I had with topping up etc I made a point of bringing some sterling with me in case I had any other problems but it all seems sorted now and it was a straightforward transaction, can't remember the exact rate but i think it was .72 and I saved on the AIB commission too so I'm happy out. Thanks OP

Tony · 09-09-2015 10:24am

Thanks, just updated the app and the change pin now showing too.

gipi wrote: »

Just discovered that my version of the app needs to be updated...and one of the new features is change pin.

Niemoj · 09-09-2015 3:11pm

Finally got the card, included the Eircode but county was left out and still got here no bother, still not entirelt sold on that €27m+ scheme but that's for a different thread :pac:....

Anyway, that's some snazzy packaging!

OU812 · 09-09-2015 3:50pm

Tony wrote: »

Thanks, just updated the app and the change pin now showing too.

Did you get notification to update it (standard apple update)?

Tony · 09-09-2015 4:10pm

No notification, i'm on android so just checked my apps on the play store

OU812 wrote: »

Did you get notification to update it (standard apple update)?

Allyall · 09-09-2015 5:45pm

I've tried to top up with my O2 card and it says "The transaction has been declined by your bank. Please contact your bank."

Is it because it's an O2 card, Is it possible to top up before verifying, or is that because I don't have the card yet?

lovehathi · 09-09-2015 6:03pm

how do u charge the card by bank transfer.?
will aib charge for cash advance if charged with credit card?

physioman · 09-09-2015 6:05pm

Niemoj wrote: »

Finally got the card, included the Eircode but county was left out and still got here no bother, still not entirelt sold on that €27m+ scheme but that's for a different thread :pac:....

Anyway, that's some snazzy packaging!

How long were you waiting? Waiting on mine

millhousegirl · 09-09-2015 6:13pm

This appears to be quite good and similar to the DKB Visa card available in Germany. https://www.deutscheskonto.org/en/dkb/

absolutegroove · 09-09-2015 7:50pm

Have been using this card in Iceland (the country) with no issues. Seems to track the xe.com exchange rate.

No card transaction fees have been charged.

I only wish Iceland was cheaper ðŸ˜”

maximoose · 09-09-2015 9:17pm

Anyone successfully withdraw to their bank account, how long did it take?

Signed up and got the free £5 bonus, then got my friend who owed me some cash to sign up and send it that way and got another £5 for referring him.. score!

Withdrew yesterday to bank account, curious how long it takes

Niemoj · 09-09-2015 9:18pm

physioman wrote: »

How long were you waiting? Waiting on mine

Delivery date was 7/9, got it today, 9/9.

Niemoj · 09-09-2015 10:30pm

Friend signed up using my link and I got the £5 handy.

So from essentially putting €10 on hold I've gotten a free MasterCard with no fees and maybe about €13?

Seems too good to be true but thankfully I've yet to be proven otherwise.

Once again, cheers OP.

soirish · 09-09-2015 10:32pm

millhousegirl wrote: »

This appears to be quite good and similar to the DKB Visa card available in Germany. https://www.deutscheskonto.org/en/dkb/

Interesting, can you sign-up for this card outside Germany?

It had been easily possible until 30 June 2014, when DKB still accepted multiple ways of confirming one’s identity...Currently, the bank is reserved about opening accounts for people living outside Germany – unless they are German citizens.

whowantstwoknow · 10-09-2015 12:13am

Just signed up to claim my £5, topped up to get £40ish to purchase my amazon gift card to receive my free £10, its a money making machine :-)

Fred Swanson · 10-09-2015 12:24am

This post has been deleted.

kgarvey · 10-09-2015 5:20am

I joined up and added €10 with another card i have fine and got my £5 credit. Also sent a request to a friend to see if i get another £5 if they join.

It say you can invite friends via FB. How do you do this???

millhousegirl · 10-09-2015 12:35pm

soirish wrote: »

Interesting, can you sign-up for this card outside Germany?

I think they've stopped non-German residents opening accounts with them in mid 2014, as you noted above also. Its noted on some website if you google "DKB card" that they may open to non-residents at some point.

Another bank in Germany and Austria are quite similar and they are called "Number 26" https://number26.de/en/ They are just open to German's and Austrians I think but I'm keeping a close eye on development.

It is a really a positive development for banking now that international travel is very common.

Yggr of Asgard · 10-09-2015 12:48pm

millhousegirl wrote: »

I think they've stopped non-German residents opening accounts with them in mid 2014, as you noted above also. Its noted on some website if you google "DKB card" that they may open to non-residents at some point.

Another bank in Germany and Austria are quite similar and they are called "Number 26" https://number26.de/en/ They are just open to German's and Austrians I think but I'm keeping a close eye on development.

It is a really a positive development for banking now that international travel is very common.

DKB stopped new accounts for non German's a while ago after loads of people tried. They still on occasion accept non German's if the person speaks German (as everything has to be done in German) and there is a reason for a German account (like moving to Germany soon etc.).

It's a great account as it's really fee free (they even refund operator surcharges on ATM's) and once you build a relationship with them they give you a better credit line on account and visa card.

Johnny_Fontane · 10-09-2015 3:19pm

whowantstwoknow wrote: »

Just signed up to claim my £5, topped up to get £40ish to purchase my amazon gift card to receive my free £10, its a money making machine :-)

I did this too with amazon and got charged £1 then £40, for a total of £41. Strange, maybe the £1 will get refunded?

10-09-2015 3:42pm

Yeah an authorisation fee no doubt.

soirish · 10-09-2015 4:47pm

millhousegirl wrote: »

I think they've stopped non-German residents opening accounts with them in mid 2014, as you noted above also. Its noted on some website if you google "DKB card" that they may open to non-residents at some point.

Another bank in Germany and Austria are quite similar and they are called "Number 26" https://number26.de/en/ They are just open to German's and Austrians I think but I'm keeping a close eye on development.

It is a really a positive development for banking now that international travel is very common.

For DKB/Number26 is it possible to open an account using http://www.mailboxde.com address?

Niemoj · 10-09-2015 6:36pm

Friend signed up using my link, I got £5, I then suggested he ask about the MSE code and he got £5!

Loving this service!

Exce11ent · 10-09-2015 9:42pm

Anyone know does the €30pa stamp duty apply?

Revolut - Ultracheap FX (prepaid Mastercard)

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