Revolut Megathread.

Marlow · 13-04-2020 11:51PM

Fann Linn wrote: »

Long time Revolut/ PTSB holder and just looking back on the App now I loaded up €600 last Nov in one lot prior to hitting Enniskillen and also put €500 on Revolut, Feb just gone, for the weekend away at Breaffy for Dubs Mayo game.

There must be differences between account types then. I'm on the one with no fees for life time (so they couldn't start charging fees last year around). Time to pound them again. It's annoying me a lot sometimes.

My other half got stuck with a busted debit card in Brazil a few years back. Luckily she had one of my other Revolut cards, so I could get her 600 (300 before and 300 after midnight). With a larger limit, it would have been easier.

/M

Fann Linn · 13-04-2020 11:53PM

Marlow wrote: »

There must be differences between account types then. I'm on the one with no fees for life time (so they couldn't start charging fees last year around). Time to pound them again. It's annoying me a lot sometimes.

My other half got stuck with a busted card in Brazil a few years back. Luckily she had one of my other Revolut cards, so I could get her 600 (300 before and 300 after midnight). With a larger limit, it would have been easier.

/M

PTSB Explore a/c here.

Btw. Had you got the geo locate operational on Revolut and did your wife inform PTSB, perhaps it was their security measures.

Marlow · 13-04-2020 11:54PM

Fann Linn wrote: »

PTSB Explore a/c here.

Yeah ... I was going to change to that, had they started charging.

/M

Quackster · 14-04-2020 12:00AM

Marlow wrote: »

There must be differences between account types then. I'm on the one with no fees for life time (so they couldn't start charging fees last year around). Time to pound them again. It's annoying me a lot sometimes.

Maybe they're deliberately not raising the debit card spending limits on that account to 'persuade' customers still on it to 'upgrade' to their newer account.

Marlow · 14-04-2020 12:00AM

Quackster wrote: »

Maybe they're deliberately not raising the debit card spending limits on that account to 'persuade' customers still on it to 'upgrade' to their newer account.

It wouldn't wonder me a bit.

/M

Dodge · 14-04-2020 12:01AM

I don’t pay PTSB charges

Last charge over 150 was 300 in January

Have loaded 5 times that previously

My wife is the same fwiw

Longford Leader · 14-04-2020 12:02AM

Fann Linn wrote: »

Long time Revolut/ PTSB holder and just looking back on the App now I loaded up €600 last Nov in one lot prior to hitting Enniskillen and also put €500 on Revolut, Feb just gone, for the weekend away at Breaffy for Dubs Mayo game.

Long time user as well with Revolut/ PTSB debit card and have just put €1,000 on my Revolut on Good Friday.

FluffPiece · 14-04-2020 12:16AM

PTSB here also and have had no problems loading several hundred at a time if needed

Aquos76 · 14-04-2020 02:30AM

All ye using PTSB so, have any of ye loaded anything since my initial post saying I couldn’t? I’ve tried, €50, €100, €200 all failing, I’ve topped up amounts up to €1k on occasions and never an issue before this evening.

skippy2 · 14-04-2020 04:06AM

Regularly top up my Revolut Acc with Eur 2,500 from my Debit Card.
Eur 2,500 is the max top up from my PTSB Debit Card per day.
Have often moved this amount every day for a number of days when needed.
Think i just have normal Current Acc if i dont transfer Min 2k (I think ) ever month into PTSB Acc i get charged a fee.

Aquos76 · 14-04-2020 10:29AM

Spoke to PTSB this morning, it seems the my expiry date somehow changed from 8/21 to 12/21 on my stored card in the Revolut app, not quite sure how that could have happened, but after deleting the card and re-adding it again, all is good again now. While on the phone to PTSB, I happened to enquire what the maximum limit was for a transfer from my acc to my Revolut card and was told it was €2,500 daily, so unsure why some might get only have €150.

Wuff Wuff · 14-04-2020 10:38AM

Aquos76 wrote: »

Spoke to PTSB this morning, it seems the my expiry date somehow changed from 8/21 to 12/21 on my stored card in the Revolut app, not quite sure how that could have happened, but after deleting the card and re-adding it again, all is good again now. While on the phone to PTSB, I happened to enquire what the maximum limit was for a transfer from my acc to my Revolut card and was told it was €2,500 daily, so unsure why some might get only have €150.

they may have a very basic or restricted account

MiskyBoyy · 16-04-2020 08:46PM

Just got emailed a survey.

"Revolut is considering offering you a COVID-19 Insurance Plan with the following features:-

Hospitalization due to COVID-19 : Daily allowance of £100 for each day spent at the hospital
Intensive Care Unit due to COVID-19 : Recovery allowance of £3,000, paid upon discharge from the intensive care unit
Accidental Death due to COVID-19 : £10,000 paid out to your loved ones
Income Protection : Protect your income for 3 months (up to £1,500 per month) in case you are made unemployed

Would you be interested in purchasing the above mentioned COVID-19 Insurance Plan priced at £25 per month?"

msmx5 · 16-04-2020 09:01PM

MiskyBoyy wrote: »

"Would you be interested in purchasing the above mentioned COVID-19 Insurance Plan priced at £25 per month?"

If I lived in the UK, maybe, although you might find it difficult to get tested if you had symptoms over there.

Yggr of Asgard · 16-04-2020 10:56PM

Things must be bad if they have to peddle insurance like that to their customers.

The kickbacks they can get for that product from the insurance provider can’t be that great.

Marlow · 17-04-2020 10:21PM

Wuff Wuff wrote: »

they may have a very basic or restricted account

I ran into the limit years ago. Raised it with Open24 and got that explanation. So I've never tried to go past it in the last few years.

It seems, that PTSB has changed their limits at some point. Because I can actually load to the max of 2500/day now.

Well .. that was a pleasant surprise. Thanks for those who confirmed, that they didn't have the limit.

/M

Marlow · 17-04-2020 10:34PM

On another note ..

3 of the 5 metal colors are now Visa. 2 of them remain Mastercard.

/M

maestroamado · 18-04-2020 12:15AM

Does anyone know how to make what is called swift payment to another country?
I want them to get max benefit and avoid fees if poss as for people who need it (orphanage)
I be seriously pissed if 5% on banking fees.
I can send in €€€ or in local currency as i transferred and then got stuck.
I wanted to do in bank today but the lady said they could only send €€€.
She also said that there be receiving bank fees for to change to local currency.
I have the local bank details and want receiver to have max benefit.

many thanks...

Quackster · 18-04-2020 12:45AM

maestroamado wrote: »

Does anyone know how to make what is called swift payment to another country?
I want them to get max benefit and avoid fees if poss as for people who need it (orphanage)
I be seriously pissed if 5% on banking fees.
I can send in €€€ or in local currency as i transferred and then got stuck.
I wanted to do in bank today but the lady said they could only send €€€.
She also said that there be receiving bank fees for to change to local currency.
I have the local bank details and want receiver to have max benefit.

many thanks...

The Society for Worldwide Interbank Financial Telecommunication.

It's essentially a messaging system between banks that makes for a cumbersome, inefficient method for transferring funds as transfers often have to go though one or more intermediaries and can work out very costly.

Best avoided if at all possible.

Marlow · 18-04-2020 12:48AM

Quackster wrote: »

The Society for Worldwide Interbank Financial Telecommunication.

Use Revolut, where possible. Use Paypal wherever else. Avoid the banks ..... because one thing is sure: they will take their cut. Plenty of it.

/M

SilverangelA5 · 18-04-2020 05:56PM

New terms and conditions on app today after an update.

Read throught it didnt notice any significant changes.

Anyone else read through them?

msmx5 · 20-04-2020 11:30AM

SilverangelA5 wrote: »

New terms and conditions on app today after an update.

Read throught it didnt notice any significant changes.

Anyone else read through them?

I scanned through them too and didn't spot anything too obvious... but then again perhaps I scanned a bit quick. In fairness to Revolut the T&C's are quite readable - plain English.

20-04-2020 12:08PM

Anyone getting asked for updated ID recently? Saying the ID I provided is no longer valid, I'm almost positive I singed up with my passport though (still in-date for many years) so doesn't make sense.

RoYoBo · 20-04-2020 07:44PM

Yeah, happened to me a while back too. A PITA because I was at a shopping checkout when it flagged up and I don't normally have my passport to hand.

Also happened recently to a relative in NI, though they were allowed use a driving licence to re-validate, which we can't. Strange!

Marlow · 20-04-2020 09:43PM

RoYoBo wrote: »

Also happened recently to a relative in NI, though they were allowed use a driving licence to re-validate, which we can't. Strange!

UK is handled under UK ruleset on they eMoney license in the UK. We are now handled under their EU license. Different ruleset.

/M

Yggr of Asgard · 20-04-2020 10:39PM

Marlow wrote: »

UK is handled under UK ruleset on they eMoney license in the UK. We are now handled under their EU license. Different ruleset.

/M

When did you get your account moved to the Lithuania license?

Marlow · 20-04-2020 11:19PM

Yggr of Asgard wrote: »

When did you get your account moved to the Lithuania license?

It didn't. But they are treating all non-UK customers like that already. That's why we all had do the ID again, so they were prepared for Brexit.

Just because the account hasn't been transferred, doesn't mean that they can't apply the different rulesets already. And they clearly have. Hence we can't use a driving license for ID, while UK residents can.

/M

Yggr of Asgard · 21-04-2020 07:52AM

Marlow wrote: »

It didn't. But they are treating all non-UK customers like that already. That's why we all had do the ID again, so they were prepared for Brexit.

Just because the account hasn't been transferred, doesn't mean that they can't apply the different rulesets already. And they clearly have. Hence we can't use a driving license for ID, while UK residents can.

/M

That explanation is true but the previous “ We are now handled under their EU license.” was raising question as that has impact to the account numbers for example, the complaint process etc. That is why I asked.

Marlow · 21-04-2020 12:08PM

So .. my other half lost one of my metal cards, so I got a Visa metal as replacement.

Interesting thing is, they are branded as "Visa Infinite" . Also, the little hidden very grey "Prepaid", that my original metal (one of the first 10k) has, has now been replaced with a white "Debit".

Wonder if they are coding the cards as debit cards now, opposed to credit prepaid ?

/M

Yggr of Asgard · 21-04-2020 12:12PM

Marlow wrote: »

So .. my other half lost one of my metal cards, so I got a Visa metal as replacement.

Interesting thing is, they are branded as "Visa Infinite" . Also, the little hidden very grey "Prepaid", that my original metal (one of the first 10k) has, has now been replaced with a white "Debit".

Wonder if they are coding the cards as debit cards now, opposed to credit prepaid ?

/M

This tool usualy is very good to identify the card type: https://binlist.net/

But before you get all hyped up to now having the ultimate status Visa card, there are no actualy benefits at this point. There a benefits to Visa Infinite Credit cards (and some debit cards in eastern europe and the middle east) but Revolut is not part of that.

It's just to make you feel special ;-)

Revolut Megathread.

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