Revolut card cloned?

...Ghost...

I was checking my revolut account for an expected refund and happened across 2 transactions I didn't recognise from 2 weeks ago. They were within 25 minutes of each other at the same retail supermarket. One was around €13 and the other was about €37. The transactions were in Cork, but I was at work in Dublin. I haven't been to Cork in months. I completed a fraud form in the app which said the transactions were on the physical card, which was on me the whole time. Anyone ever experienced this? Any point reporting to Garda? Card is cancelled and no other odd transactions. Must have been a cloned card and used for tapping. I've only had the new card about 6 weeks.

Ubbquittious

I wonder what they were able to get for that. Cup of tea and a burger?

markpb

Personally I don’t think it’s worth reporting to the guards. They’re small amounts and you should get your chargeback quite quickly so you won’t be out of pocket and they probably won’t do much to investigate. More importantly, I’m fairly sure every fraudulent transaction gets reported to Visa or MasterCard so they can look for patterns or signs of larger fraud and those definitely will get reported to the guards.

Phoenix3

I have noticed a number of times when I have shopped in Tesco, say in Blanchardstown that my statement say I was in another Tesco store eg Rathmines.

murpho999

Above is small but it is why I prefer to use my phone for transactions as your card details are not exposed. Apple pay use a token system to verify payments with the POS machine. I'm sure other platforms are the same.

eusap

I often find with Revolut the merchant name is wrong, my local shop in kildare shows up as a butchers in Clonmel

Gregor Samsa

Yeah, Revolut's reporting of merchants isn't always accurate. I had a momentary freak out one day when the map showed my 13 year old daughter had made a purchase 150km away. Turns out she was at our local shop. As murpho999 said above, though, I always use my phone myself for that extra layer of security. Unfortunately, Apple won't let you set up ApplePay for a 13 year old.

MarkR

I had an issue like this last year. I had bought diesel in a circle k in Limerick. My card later showed a purchase of flowers in Dublin at the same time. It turns out that the terminal in the shop had been replaced, but had not been configured properly. Everything rang through on that terminal was going to a florist in Dublin!

So maybe you did buy something, just not in the specified location.

Gooser14

I had a similar experience with our local Centra shop showing up as a Centra at a different location. Both shops owned by the same person.

...Ghost...

I see a few of you have had similar reporting issues with Revolut. They said that the card was used in Cork so I had put in the report, which they declined. I have been having other issues with my new Revolut card which won't let me pay with my fitbit. It worked on my original card 🙈

I'm sure I had been to a local M&S in Dublin now that I have gone through my history, so it doesn't look like a fraudulent case, but Revolut have been useless.

Explosive_Cornflake

https://www.boards.ie/discussion/comment/119276896#Comment_119276896

You can probably work around the fitbit issue by adding the revolut to curve, and then add the curve to fitbit.

Drunken Oaf

https://www.boards.ie/discussion/comment/119274613#Comment_119274613

All of the above is why I only use cash in all circumstances. I also have no idea why anybody needs a Revolut account. Always baffled as to why it is so popular in Ireland (and spread almost entirely by word of mouth) while internationally it barely registers. Probably over half of adults in Ireland use it (probably 95% plus of the younger cohort) yet the percentage in most of Europe would be single digits.

markpb

https://www.boards.ie/discussion/comment/119282515#Comment_119282515

Revolut is popular in the UK and Ireland because of the convenient P2P method and because it’s better value when paying in non-Eurozone countries. It is less popular in other European countries but N26, Monzo, Starling, etc are popular there - Neobanks aren’t an Irish phenomenon. Also P2P is less an of an issue in the rest of Europe because they have SEPA Instant Credit, something we could have but the Irish banks collectively shrugged their shoulders at.

markpb

https://www.boards.ie/discussion/comment/119274613#Comment_119274613

This isn’t entirely true. Phone payment wallets generate a new PAN for your phone and present that for all payments. If the merchant can see card details, they can see the PAN regardless of where it comes from. In most cases, the PAN is encrypted end-to-end by the terminal so they can’t see it anyway.

What is true is that your phone generates a dynamic security code for each transaction and the PAN is useless without it but the chip inside your debit/credit card does exactly the same thing.

Recently paid for a McDonalds with my Rev card, on the app the payment is listed in a McD’s over a 100kms away, but the date and amount are absolutely what I paid and when, so just a listing error on my account, I did spend the money.

fryup

https://www.boards.ie/discussion/comment/119274836#Comment_119274836

let me get this straight everything purchased at that station was being pocketed by a dublin florist?

MarkR

https://www.boards.ie/discussion/comment/119283272#Comment_119283272

Well, not pocketed, but they did receive it. I was speaking to the manager of the florist, they had to park the funds and wait for a chargeback or something. Circke K were down, florist was up. Money had to go back.

fryup

really?? begs the question - how often does this occur??

macvin

On the OP my guess is revolut in their change to a bank rather than a payment system has not done their set-up properly and is using the corporate address. If its Cork, my guess is it will be Centra / Supervalu / Daybreak / Donnybrook Fair as some are registered to Musgrave HQ in Cork.

btw - Revolut customer care is absolutely dreadful. Really really bad.

...Ghost...

https://www.boards.ie/discussion/comment/119282515#Comment_119282515

What I like about Revolut, is that I see in real time what I have spent and where. It's easy to go back over and I see better descriptions and times of my spending. Obviously this error with the location will make me a little more diligent going forward and I have reported this to Revolut.

The currency conversion is also REALLY convenient. If I am travelling for work to USA or Japan or anywhere outside of Europe, I can take my payment advance from work and park it in whatever currency I need to on my Revolut account. And its also much easier to send and receive money if buying/selling on the likes of adverts and done deal.

I use their quirky saving method where each purchase is rounded up to the nearest euro and the surplus goes to a savings vault. I've saved hundreds of euro in the vault by doing this and do not miss the tiny surplus per transaction.

50s dont fit in my wallet either 😂

MarkR

https://www.boards.ie/discussion/comment/119283306#Comment_119283306

I used to work tangentally with EPOS providers, and I believe all the terminals for payzone etc are individually coded, so they can track all the transactions. Issue was that that terminal wasn't correctly associated with the right store. Easy fix on the terminal, and should be easy to reverse the funds, but I'd imagine it could affect the cashflow of the shop missing the money!

murpho999

https://www.boards.ie/discussion/comment/119282515#Comment_119282515

You have no idea why an app that has better functionality than any Irish bank app is popular here?

Or why people like it to send payments instantly to people. Useful also for splitting bills, saving for different reasons, budgeting etc.

Anyhow you can carry on with your cash but I don't like using it simply for the danger of losing it and having to carry a wallet and coins and the amount of people using cash is definitely declining.

fryup

https://www.boards.ie/discussion/comment/119287730#Comment_119287730

could a corrupt payzone employee fiddle with the set up so that 1 out every 50 transactions get transferred to his/her account??

MarkR

https://www.boards.ie/discussion/comment/119288006#Comment_119288006

Probably for a different thread, but I doubt it. There's terminal ids, merchant ids, and transaction ids. If the first two aren't consistently matching, there's clearly something to be looked at.

Calahonda52

https://www.boards.ie/discussion/comment/119282515#Comment_119282515

Drunken plus Oaf => enough said

B.A._Baracus

Aldi in Blanchardstown Shopping Centre was coming up as Aldi Nutgrove until recently.

Sadb

https://www.boards.ie/discussion/comment/119283381#Comment_119283381

In fairness, you can see in real time on the other bank apps too. Also I use my Aib to send money to my kids all the time and it is instant, it’s true that there isn’t a saving option like it though.

What I don’t get is that people harp on about saving on bank fees but because it is all online, you have to transfer from another bank and pay the fee to transfer- how is that a saving?

murpho999

https://www.boards.ie/discussion/comment/119288365#Comment_119288365

I have my normal debit card on the Revolut app and transfer money using that and incur no charges. You don't do a wire transfer.

...Ghost...

I’ve stopped paying attention to main bank fees. I’m with BOI and opted for the “per transaction” fee model a few years ago. I limited my transactions to less than 10 a month and my fees were usually 2 or 3 euro. They then dropped this model and charge a monthly amount plus transaction fees. And when I need to go into the bank (which is rare) they are either closed, or there is a single staff member who can do nothing but point me to an online terminal. It’s ridiculous.

Once I transfer my money to Revolut from the main bank, I am not charged for multiple transactions. When using Revolut, I can withdraw 800 cash per month (or more perhaps) at no cost and that’s plenty, as I tend to use my phone or watch for payments. The app just works and is fast. The BOI app is a joke. Crashes frequently and is down for maintenance usually 1 weekend day per month. Payments to contacts are not always instant, even when saved and when it’s to a BOI account.

With Revolut, I used the free account for years and recently upgraded to their subscription plan for better FX rates and the extras included. I’m still not ready to completely ditch my main bank because of convenience with existing direct debits etc. but I will soon and I will use my Revolut bank account for everything. That will be the saving and a big up yours to BOI who continue to reduce their service while increasing their fees.