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Revolut Megathread.

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Comments

  • Registered Users, Registered Users 2 Posts: 3,277 ✭✭✭ooter


    Is anyone having log in issues on the app at the moment?
    Keeps telling me I'm putting in the wrong pin but I'm not and I can't contact them unless I ring the uk number and I would prefer not to do that.


  • Registered Users, Registered Users 2 Posts: 9,133 ✭✭✭Doge


    Just spotted that AIB charge 20 cent per revolut top up and I've racked up a large fees bill for the last quarter.
    I use my aib debit card to top up.

    Is there anyway of avoiding this without changing my bank or making larger top ups to revolut?


  • Moderators, Business & Finance Moderators Posts: 6,648 Mod ✭✭✭✭Sheep Shagger


    Pacifico wrote: »
    Wouldn't think there would be any issues but i wouldn't personally lodge my salary into Revolut...saying that as a day 1 Revolut user!

    Have moved all my direct debits and linkages (amazon, PayPal etc) to Revolut and planning to get month end salary paid to N26 (as it has bankINg licence and my savings there), will fund Revolut once a month and after 20 odd years closs my BOI shortly.

    BoI will then just have my credit card and if N26 start using as I think I read they would, that will be moved too.

    Sick of BOI constant archaic systems, they'll always be behind the 8 ball.


  • Closed Accounts Posts: 297 ✭✭SB71


    Pacifico wrote: »
    Wouldn't think there would be any issues but i wouldn't personally lodge my salary into Revolut...saying that as a day 1 Revolut user!

    why wouldnt you?

    im sick of getitng fleeced by Ulster bank on fees so im strongly considering binning them for good.


  • Moderators Posts: 6,881 ✭✭✭Spocker


    Doge wrote: »
    Just spotted that AIB charge 20 cent per revolut top up and I've racked up a large fees bill for the last quarter.
    I use my aib debit card to top up.

    Is there anyway of avoiding this without changing my bank or making larger top ups to revolut?

    Use SEPA transfers instead


  • Closed Accounts Posts: 5,115 ✭✭✭Pacifico


    SB71 wrote: »
    why wouldnt you?

    im sick of getitng fleeced by Ulster bank on fees so im strongly considering binning them for good.

    They could shut up shop tomorrow with no notice...your money isn't guaranteed in anyway.

    I use Revolut for all my day to day spending but rarely keep more then €100 on it. Thankfully i have free banking with PTSB so don't have a reason to close my main account and use Revolut for the App and Apple pay


  • Registered Users, Registered Users 2 Posts: 9,488 ✭✭✭TheChizler


    Doge wrote: »
    Just spotted that AIB charge 20 cent per revolut top up and I've racked up a large fees bill for the last quarter.
    I use my aib debit card to top up.

    Is there anyway of avoiding this without changing my bank or making larger top ups to revolut?

    Keep a balance of €2500 in your AIB current account instead of a savings account to qualify for free banking. Well worth it even if all you're saving is the €4.50 quarterly fee considering there's next to no interest in savings at the moment.


  • Administrators Posts: 54,256 Admin ✭✭✭✭✭awec


    TheChizler wrote: »
    Keep a balance of €2500 in your AIB current account instead of a savings account to qualify for free banking. Well worth it even if all you're saving is the €4.50 quarterly fee considering there's next to no interest in savings at the moment.

    They're getting rid of that in a few months.


  • Registered Users, Registered Users 2 Posts: 9,488 ✭✭✭TheChizler


    awec wrote: »
    They're getting rid of that in a few months.

    Close your account is the answer so!


  • Registered Users, Registered Users 2 Posts: 9,133 ✭✭✭Doge


    Spocker wrote: »
    Use SEPA transfers instead

    I have charges that say "SEPA credits" which are 20 cent a pop also.
    Looks like I need to move banks!


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  • Registered Users Posts: 8 norbias


    I usually transfer money once a week to save on charges in AIB

    Other option is to setup standing order for spending money to be transferred every week.


  • Registered Users, Registered Users 2 Posts: 1,609 ✭✭✭adam88


    Doge wrote: »
    Just spotted that AIB charge 20 cent per revolut top up and I've racked up a large fees bill for the last quarter.
    I use my aib debit card to top up.

    Is there anyway of avoiding this without changing my bank or making larger top ups to revolut?

    What are Ulster bank charging for REVOLUT top ups


  • Moderators, Business & Finance Moderators Posts: 6,648 Mod ✭✭✭✭Sheep Shagger


    SB71 wrote: »
    why wouldnt you?

    im sick of getitng fleeced by Ulster bank on fees so im strongly considering binning them for good.

    No bank guarantee if anything goes wrong with them.


  • Posts: 24,714 [Deleted User]


    No bank guarantee if anything goes wrong with them.

    But as as been said multiple time’s your money is ring fenced into accounts in UK banks. They won’t and they can’t just keep your money. He scaremongering around Revolut “going bust and taking your money” is growing tiresome.

    The chances of something going wrong is close to non-existent to begin with.


  • Registered Users, Registered Users 2 Posts: 5,178 ✭✭✭killbillvol2


    But as as been said multiple time’s your money is ring fenced into accounts in UK banks. They won’t and they can’t just keep your money. He scaremongering around Revolut “going bust and taking your money” is growing tiresome.

    The chances of something going wrong is close to non-existent to begin with.

    No offence but anyone who takes financial advice from you needs their head examined.

    Didn't you recently advise people to put money in Nexo (a spectacular house of cards where the crash will be spectacular) and state that credit unions are a ponzi scheme?


  • Registered Users, Registered Users 2 Posts: 5,359 ✭✭✭DubDJ


    Doge wrote: »
    Just spotted that AIB charge 20 cent per revolut top up and I've racked up a large fees bill for the last quarter.
    I use my aib debit card to top up.

    Is there anyway of avoiding this without changing my bank or making larger top ups to revolut?

    I top up Revolut using Apple Pay from my AIB account. I could be wrong but I think it’s free for these types as they fall under contactless payments. So maybe that would be an option?


  • Registered Users, Registered Users 2 Posts: 9,488 ✭✭✭TheChizler


    DubDJ wrote: »
    I top up Revolut using Apple Pay from my AIB account. I could be wrong but I think it’s free for these types as they fall under contactless payments. So maybe that would be an option?

    Unless you're in a shop Apple Pay counts as a regular debit transaction.


  • Posts: 24,714 [Deleted User]


    No offence but anyone who takes financial advice from you needs their head examined.

    Didn't you recently advise people to put money in Nexo (a spectacular house of cards where the crash will be spectacular) and state that credit unions are a ponzi scheme?

    Yes I did and I have a large sum of money in Nexo myself. The scaremongering around it is laughable, it’s an established a company and doing very well. Just paid out a big dividend to nexo token holders on top of the 8% interest paid on just leaving a balance.

    I also didn’t call the credit unions a Ponzi scheme, you are the second person unable read my post at the time and accuse me of saying that.

    What I said in response to someone calling Nexo a Ponzi scheme was that Nexo was no more of a Ponzi scheme than a credit union - i.e. neither are Ponzi schemes.


  • Closed Accounts Posts: 297 ✭✭SB71


    I highly doubt Revolut will go bust if anything they'll continue to grow so i think ill close my Ulster Bank account and just use this as my primary account.


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  • Closed Accounts Posts: 297 ✭✭SB71


    adam88 wrote: »
    What are Ulster bank charging for REVOLUT top ups

    the user said AIB not Ulster Bank.


  • Registered Users, Registered Users 2 Posts: 1,609 ✭✭✭adam88


    SB71 wrote: »
    the user said AIB not Ulster Bank.

    Yes I know. It is like to know what UlsterbankRI are charging


  • Registered Users, Registered Users 2 Posts: 1,335 ✭✭✭SourSessions


    adam88 wrote:
    Yes I know. It is like to know what UlsterbankRI are charging

    20c


  • Registered Users, Registered Users 2 Posts: 5,359 ✭✭✭DubDJ


    TheChizler wrote: »
    Unless you're in a shop Apple Pay counts as a regular debit transaction.

    Never knew that, always thought top-ups weren’t charging me anything. Thanks for the info.


  • Closed Accounts Posts: 297 ✭✭SB71


    Actually i might change to the credit union current account just had a browse and looks good.


  • Posts: 0 [Deleted User]


    My PTSB debit card expired in August so I have added my new card details to Revolut. Previously I could top up Revolut at the click of a button but with my new PTSB card I have to enter the CVV numner every time I want to top up Revolut and then enter a verified by visa code, which is quite annoying.

    Any ideas how to resolve this so I can top up in 1 click as before?

    Thanks


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  • Closed Accounts Posts: 1,297 ✭✭✭Gooey Looey


    My PTSB debit card expired in August so I have added my new card details to Revolut. Previously I could top up Revolut at the click of a button but with my new PTSB card I have to enter the CVV numner every time I want to top up Revolut and then enter a verified by visa code, which is quite annoying.

    Any ideas how to resolve this so I can top up in 1 click as before?

    Thanks

    That happened me when I replaced a card. I think it stops after a few transactions


  • Registered Users, Registered Users 2 Posts: 5,178 ✭✭✭killbillvol2


    My PTSB debit card expired in August so I have added my new card details to Revolut. Previously I could top up Revolut at the click of a button but with my new PTSB card I have to enter the CVV numner every time I want to top up Revolut and then enter a verified by visa code, which is quite annoying.

    Any ideas how to resolve this so I can top up in 1 click as before?

    Thanks

    It stops after a few top ups.


  • Posts: 0 [Deleted User]


    That happened me when I replaced a card. I think it stops after a few transactions

    Hopefully! Can't be bothered doing this every top up. Cheers


  • Registered Users, Registered Users 2 Posts: 9,133 ✭✭✭Doge


    SB71 wrote: »
    Actually i might change to the credit union current account just had a browse and looks good.

    Can you do SEPA transfers with the credit union app?


  • Registered Users, Registered Users 2 Posts: 1,275 ✭✭✭august12


    Hopefully! Can't be bothered doing this every top up. Cheers
    Much easier to set an auto top up,


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  • Registered Users, Registered Users 2 Posts: 5,877 ✭✭✭jeffk


    august12 wrote: »
    Much easier to set an auto top up,

    I could do this on mastercard (BOI before they left the dark ages and ripped people off for thepleasure)

    Then moved to visa debt and can't


  • Moderators Posts: 6,881 ✭✭✭Spocker


    Doge wrote: »
    Can you do SEPA transfers with the credit union app?

    Yes you can, once the payee is setup via the website (just tried there to my N26 and it worked fine)


  • Registered Users Posts: 477 ✭✭msmx5


    msmx5 wrote: »
    Yes - if it is a main transaction / purchase - click on the transaction and just below where you have the option to attach a receipt there is an "Add note" option. Is this what you want?

    No - if the transaction is a transfer or vault transaction. This is a real pain for me as I used it for most of my vault transactions. Support/Chat confirmed that the feature was removed/not implemented in the new version of the app for vaults. I suggest you get on to them in chat (like I have) and register it in the hope they will restore the functionality.
    scarepanda wrote: »
    Well that's a right pain in the ass! I'll get onto them. I use the feature mainly for withdrawals from vaults, especially if I have a bill that is split between a few vaults. Can you add a description to a Rev to Rev transfer? I haven't had to do that yet, but i would often send my husband money from our misc vault that's on my account and it was so handy to be able to say what they transfer was for.
    msmx5 wrote: »
    Yes -confirming that you can still add a GIF and a comment to Rev to Rev transfer. Its just the vaults for me that is a pain. I use the vaults for many things and it IS important for me to be able to add notes to vault transactions.

    Update: Kudos to Revolut for listening to user-feedback - I have Android Version 7.16-beta-586 and the note feature on vault transactions is back! :):):) It's the little things that make me happy.


  • Registered Users Posts: 1,465 ✭✭✭Asus X540L


    Hi, I've just ordered a Revolut card.

    So can i get this straight.

    I just make a transfer of say 500 euro from my AIB to my revolut - no charges when I use my revolut card?


  • Closed Accounts Posts: 1,297 ✭✭✭Gooey Looey


    Asus X540L wrote: »
    Hi, I've just ordered a Revolut card.

    So can i get this straight.

    I just make a transfer of say 500 euro from my AIB to my revolut - no charges when I use my revolut card?

    No. You can use the virtual card online right away or add to Google/Apple pay, no need wait for the physical card


  • Closed Accounts Posts: 992 ✭✭✭Bikerman2019


    Asus X540L wrote: »
    Hi, I've just ordered a Revolut card.

    So can i get this straight.

    I just make a transfer of say 500 euro from my AIB to my revolut - no charges when I use my revolut card?
    So assuming you are asking about fees:


    You top up your revolut via app or even bank transfer. If you pay fees to AIB, it is a transaction. Your money, if done by app, takes seconds to arrive.


    Then every time you use your revolut card, you have NO fee. Once or twenty times, no fee.

    I used it today to send a small amount to a Uk account. It also arrived in seconds.


  • Registered Users Posts: 1,465 ✭✭✭Asus X540L


    So assuming you are asking about fees:


    You top up your revolut via app or even bank transfer. If you pay fees to AIB, it is a transaction. Your money, if done by app, takes seconds to arrive.


    Then every time you use your revolut card, you have NO fee. Once or twenty times, no fee.

    I used it today to send a small amount to a Uk account. It also arrived in seconds.


    That's what I mean. The only fee will be the 20 cent or whatever transferring the money from AIB to revolut.


  • Moderators Posts: 6,881 ✭✭✭Spocker


    So assuming you are asking about fees:


    You top up your revolut via app or even bank transfer. If you pay fees to AIB, it is a transaction. Your money, if done by app, takes seconds to arrive.


    Then every time you use your revolut card, you have NO fee. Once or twenty times, no fee.

    I used it today to send a small amount to a Uk account. It also arrived in seconds.

    Ehh, not quite. There are fees, explained here, for the standard account:
    • Free UK account
    • Free Euro IBAN account
    • Spend in over 150 currencies at the interbank exchange rate
    • Exchange in 30 fiat currencies up to €1,000 per month without any hidden fees
    • No fee ATM withdrawals up to €200 per month
    • Free Revolut card (excl. delivery)
    • Instant access to 5 cryptocurrencies
    • Revolut Junior account for 1 kid
    • 1 free cross border transfer each month, €0.50 thereafter


  • Registered Users Posts: 1,465 ✭✭✭Asus X540L


    Spocker wrote: »
    Ehh, not quite. There are fees, explained here, for the standard account:
    • Free UK account
    • Free Euro IBAN account
    • Spend in over 150 currencies at the interbank exchange rate
    • Exchange in 30 fiat currencies up to €1,000 per month without any hidden fees
    • No fee ATM withdrawals up to €200 per month
    • Free Revolut card (excl. delivery)
    • Instant access to 5 cryptocurrencies
    • Revolut Junior account for 1 kid
    • 1 free cross border transfer each month, €0.50 thereafter


    What about regular debit card transactions?


  • Moderators Posts: 6,881 ✭✭✭Spocker


    Asus X540L wrote: »
    What about regular debit card transactions?

    They are free, no issues there :)


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  • Closed Accounts Posts: 992 ✭✭✭Bikerman2019


    Asus X540L wrote: »
    That's what I mean. The only fee will be the 20 cent or whatever transferring the money from AIB to revolut.
    Yep.
    I see spock has gone into a bit more depth, but for general domestic use in Ireland, it is pretty much free.


  • Registered Users Posts: 1,154 ✭✭✭cavan4sam


    OK folks sorry if its been covered plenty already, but I've upgraded to premium and added my revolut as a payee from my banking app (BOI) , I've sent small amount to test it but it has not appeared in revolut yet?
    Does it take time or should it be instant, need to transfer a larger amount to pay for a car over the weekend and just anxious as to how long it usually takes.

    Thanks in advanced


  • Registered Users, Registered Users 2 Posts: 7,205 ✭✭✭Lucas Hood


    Would you not have topped up on revolut and had it instantly instead of a bank transfer?


  • Registered Users, Registered Users 2 Posts: 9,488 ✭✭✭TheChizler


    cavan4sam wrote: »
    OK folks sorry if its been covered plenty already, but I've upgraded to premium and added my revolut as a payee from my banking app (BOI) , I've sent small amount to test it but it has not appeared in revolut yet?
    Does it take time or should it be instant, need to transfer a larger amount to pay for a car over the weekend and just anxious as to how long it usually takes.

    Thanks in advanced

    https://personalbanking.bankofireland.com/bank/international-payments/support/time-frames/#faq-panel-35913

    Up to a working day for BOI.


  • Registered Users Posts: 1,154 ✭✭✭cavan4sam


    TheChizler wrote: »

    Thank you,
    What is the daily deposit limit via card?


  • Moderators, Regional South Moderators Posts: 5,869 Mod ✭✭✭✭Quackster


    cavan4sam wrote: »
    Thank you,
    What is the daily deposit limit via card?
    Whatever the daily limit on your debit card is (if there is one).

    Revolut may apply an account-specific limit. They won't tell you what that is though, but they'll block you if you exceed it!


  • Registered Users Posts: 1,154 ✭✭✭cavan4sam


    Quackster wrote: »
    Whatever the daily limit on your debit card is (if there is one).

    Revolut may apply an account-specific limit. They won't tell you what that is though, but they'll block you if you exceed it!

    OK thanks it wouldn't let me deposit over 1k for some reason, so I ended up doing bank transfer so hopefully a couple of days should see it in revolut account
    It's a pain that it would not let me deposit it via card

    Update
    I'm assuming it's because I upgraded to premium they are putting a deposit limit on the account treating it as a new card


  • Registered Users Posts: 2,758 ✭✭✭stockshares


    People here might be interested in this. An Post are to provide a banking app with similar functionality to Revolut.
    https://www.pressreader.com/ireland/sunday-independent-ireland/20200913/282617445163715


  • Registered Users, Registered Users 2 Posts: 5,834 ✭✭✭The J Stands for Jay


    People here might be interested in the this. An Post us to provide a banking app with similar functionality to Revolut.
    https://www.pressreader.com/ireland/sunday-independent-ireland/20200913/282617445163715

    Not if they keep the same charges.


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  • Posts: 0 [Deleted User]


    Sorry if this has been asked before but iv'e been asked twice in the space of a month to confirm my ID with the Basic Plan.
    Has this happened to anyone else?


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