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Revolut - Ultracheap FX (prepaid Mastercard)

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Comments

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    #6632
    Dardania
    Registered Users Posts: 3,612 ✭✭✭Dardania


    Yggr of Asgard wrote: »
    Wow, this makes me smile.

    It took only 2 years of constant complaining to the government and EU and the thread of the EU commission to fine Transport for Ireland significant money for them to get to this point.

    But I'm happy to see that they now have this under controll.

    All fairs dues to you for this. I noticed you posting on the topic over the last few years in a general sense but I must confess I didn’t see the break out thread you did - looks like you fought the good fight, and won for all of us!


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    #6633
    Dardania
    Registered Users Posts: 3,612 ✭✭✭Dardania


    Some shilling if anyone lands here and hasn't signed up yet - if you want your first free card with Revolut hit me up with PM (hopefully I'm within forum rules?)

    For clarity - PM me before downloading the app.


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    #6634
    Hurrache
    Registered Users Posts: 10,150 ✭✭✭✭Hurrache


    Odd one today, and possible due to the amount I topped up with.

    Normally when I top up using a Permanent TSB card I have to verify they top up. However today I just topped up by a small amount, about €12, and it just went directly onto my Revolut without any additional authorisation. Is this normal?


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    #6635
    igCorcaigh
    Moderators, Recreation & Hobbies Moderators Posts: 11,108 Mod ✭✭✭✭igCorcaigh


    Hurrache wrote: »
    Odd one today, any possible due to the amount I topped up with.

    Normally when I top up using a Permanent TSB card I have to verify they top up. However today I just topped up by a small amount, about €12, and it just went directly onto my Revolut without any additional authorisation. Is this normal?

    Sometimes I have to verify my BOI card, sometimes not.


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    #6636
    Hurrache
    Registered Users Posts: 10,150 ✭✭✭✭Hurrache


    Cheers. I'm thinking it maybe was treated as a contactless transaction due to the amount.


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    #6637
    DopeTech
    Registered Users Posts: 6,760 ✭✭✭DopeTech


    I never have to verify topup. With AIB.


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    #6638
    Dardania
    Registered Users Posts: 3,612 ✭✭✭Dardania


    Hurrache wrote: »
    Odd one today, and possible due to the amount I topped up with.

    Normally when I top up using a Permanent TSB card I have to verify they top up. However today I just topped up by a small amount, about €12, and it just went directly onto my Revolut without any additional authorisation. Is this normal?

    After a while, they start just trusting your top up card.
    You can probably now switch on Auto Top which is dead handy I find.
    https://www.revolut.com/help/getting-started/topping-up/by-card/topping-up-automatically


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    #6639
    -=al=-
    Registered Users Posts: 4,280 ✭✭✭-=al=-


    Maybe for bigger amounts they check but after an app update sometimes you gota re-verify too


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    #6640
    Peppa Cig
    Registered Users Posts: 994 ✭✭✭Peppa Cig


    If I get a UK Revolut Physical Card is there a annual government charge or similar?

    Thanks


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    #6641
    Dardania
    Registered Users Posts: 3,612 ✭✭✭Dardania


    Peppa Cig wrote: »
    If I get a UK Revolut Physical Card is there a annual government charge or similar?

    Thanks

    In Ireland, yes - you still pay stamp duty. It's on as a 12C charge per ATM transaction up to an annual limit of €5:
    https://community.revolut.com/t/irish-customers/3901/2


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    #6642
    Peppa Cig
    Registered Users Posts: 994 ✭✭✭Peppa Cig


    Dardania wrote: »
    In Ireland, yes - you still pay stamp duty. It's on as a 12C charge per ATM transaction up to an annual limit of €5:
    https://community.revolut.com/t/irish-customers/3901/2

    Thanks. Sorry I should have been clearer. Does UK government charge an annual fee on UK cards?

    Cheers


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    #6643
    Dardania
    Registered Users Posts: 3,612 ✭✭✭Dardania


    Peppa Cig wrote: »
    Thanks. Sorry I should have been clearer. Does UK government charge an annual fee on UK cards?

    Cheers

    Not from what I've seen, on any of my UK cards (be they Revolut or another else like TransferWise, Curve or Monese)


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    #6644
    msmx5
    Registered Users Posts: 474 ✭✭msmx5


    Peppa Cig wrote: »
    Thanks. Sorry I should have been clearer. Does UK government charge an annual fee on UK cards?

    No UK charge - I've had the card for over three years and have never paid a government charge on it.

    (I don't make ATM withdrawls in Ireland)


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    #6645
    -=al=-
    Registered Users Posts: 4,280 ✭✭✭-=al=-


    I don't think so, nope. Last year the UK even banned retailers charging extra fees on debit cards last year. Certain ATMs might cost you, but you'd be notified on screen.

    I've never used a UK card in an Irish Atm, so not sure if you'd get charged the 12c. I'm pretty sure the fee only applies to Irish residents so if the card was to be addressed to the UK, I guess you wouldn't get charged the 12c, and you're 1 step closer to buying that Ferrari


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    #6646
    OmegaGene
    Registered Users Posts: 8,761 ✭✭✭OmegaGene


    Peppa Cig wrote: »
    Thanks. Sorry I should have been clearer. Does UK government charge an annual fee on UK cards?

    Cheers

    No

    The internet isn’t for everyone



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    #6647
    TheChizler
    Registered Users Posts: 9,425 ✭✭✭TheChizler


    -=al=- wrote: »
    I've never used a UK card in an Irish Atm, so not sure if you'd get charged the 12c. I'm pretty sure the fee only applies to Irish residents so if the card was to be addressed to the UK, I guess you wouldn't get charged the 12c, and you're 1 step closer to buying that Ferrari
    Technically it's if the card has an Irish billing address, not where you're resident or where the bank is located.


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    #6648
    Lucas Hood
    Registered Users Posts: 7,205 ✭✭✭Lucas Hood


    App been down last couple of hours.


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    #6649
    OmegaGene
    Registered Users Posts: 8,761 ✭✭✭OmegaGene


    Working fine for me

    The internet isn’t for everyone



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    #6650
    Davexirl
    Registered Users Posts: 1,089 ✭✭✭Davexirl


    App down for me and i am over in Liverpool, was hoping to exchange more Euros over to sterling. ****e time for it to go down.


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    #6651
    OmegaGene
    Registered Users Posts: 8,761 ✭✭✭OmegaGene


    Davexirl wrote: »
    App down for me and i am over in Liverpool, was hoping to exchange more Euros over to sterling. ****e time for it to go down.

    For future reference try and avoid exchanging money at the weekend you get a worse rate

    The internet isn’t for everyone



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    #6652
    TheChizler
    Registered Users Posts: 9,425 ✭✭✭TheChizler


    OmegaGene wrote: »
    For future reference try and avoid exchanging money at the weekend you get a worse rate
    Marginally. Unless you're spending several hundred it's not worth the hassle planning IMO.


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    #6653
    OmegaGene
    Registered Users Posts: 8,761 ✭✭✭OmegaGene


    TheChizler wrote: »
    Marginally. Unless you're spending several hundred it's not worth the hassle planning IMO.

    I buy quite a few high end items on when I’m on holiday big money tends to be spent abroad by the time you pay for meals and Uber’s and shopping
    All adds up but each to their own

    The internet isn’t for everyone



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    #6654
    EagererBeaver
    Registered Users Posts: 6,415 ✭✭✭EagererBeaver


    TheChizler wrote: »
    Marginally. Unless you're spending several hundred it's not worth the hassle planning IMO.

    Said hassle being a few taps in the app for about 20 secs


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    #6655
    TheChizler
    Registered Users Posts: 9,425 ✭✭✭TheChizler


    EagererBeaver wrote: »
    Said hassle being a few taps in the app for about 20 secs
    More the hassle of planning your purchases. I rarely know what I'm planning to get at the weekend.

    That tip while true is very confusing for newcomers to Revolut IMO. Most people find the concept hard to grasp initially and is just another level of complication.


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    #6656
    OmegaGene
    Registered Users Posts: 8,761 ✭✭✭OmegaGene


    TheChizler wrote: »
    More the hassle of planning your purchases. I rarely know what I'm planning to get at the weekend.

    That tip while true is very confusing for newcomers to Revolut IMO. Most people find the concept hard to grasp initially and is just another level of complication.

    It’s not really complicated just change the money before the weekend it’s simple and if you have some left over change it back, much the same as when we used going to a currency exchange place when you go on holiday in the old days
    The entire purpose of Revolut is to save money so I don’t see the point paying 1.5% more on purchases
    Each to their own but that’s my 2 cent

    The internet isn’t for everyone



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    #6657
    Lucas Hood
    Registered Users Posts: 7,205 ✭✭✭Lucas Hood


    I agree. Unless you know exactly how much you'll be spending it's not worth it.

    You run the risk of exchanging too much and having to exchange it back.


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    #6658
    OmegaGene
    Registered Users Posts: 8,761 ✭✭✭OmegaGene


    And why is that a problem ? It takes all of a second to exchange the money back or you can just keep a balance in that currency

    The internet isn’t for everyone



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    #6659
    Lucas Hood
    Registered Users Posts: 7,205 ✭✭✭Lucas Hood


    OmegaGene wrote: »
    And why is that a problem ? It takes all of a second to exchange the money back or you can just keep a balance in that currency

    The idea is that you change money over to save a little bit, but what if the rate worsens by the time you get to exchange it back.


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    #6660
    Quackster
    Moderators, Regional South Moderators Posts: 5,744 Mod ✭✭✭✭Quackster


    Lucas Hood wrote: »
    The idea is that you change money over to save a little bit, but what if the rate worsens by the time you get to exchange it back.

    It's an equal 'risk' that the rate improves instead and you make a profit. If you change at the weekend, it's a certainty that you lose on the rate.


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    #6661
    OmegaGene
    Registered Users Posts: 8,761 ✭✭✭OmegaGene


    Quackster wrote: »
    It's the same 'risk' that the rate improves instead and you make a profit.

    I planned on buying a watch a few weeks back and exchange a few quid and it didn’t pan out for various reasons so I exchanged it back because the rate was in my favour and I made €67/€70 out of it.
    I have a balance in serveral currencies if you watch the market you can set alerts for good times to buy, it’s all in the planning

    The internet isn’t for everyone



This discussion has been closed.
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