Revolut Megathread.

I use it as my main bank without issue, only thing I dont like is the ATM cap 800 euro on metal then 2% fee after

Still confused about it all

Revolut in the records say 'They accepted the chargeback' but then why did AIB send me a letter saying 'the merchant denied it and they will debit my account to pay said merchant'

I wouldn’t. I would say, however, that it might depend on where you are in life. If you just need a simple place for your wages to be deposited and spend most of those wages via card/phone payment then I’d imagine you can use it without issue at all

If you need to co-ordinate mortgage payments, direct debits, standing orders, savings, investments etc etc. I’d stay clear

Anyone familiar with the new Pay Later offering? It's not obvious to me if there is interest and the rate? Is there an interest free period?

Need some news on this, before I fall low enough to call "customer care" an oxymoron of ever there was one🧐

News for people with Business Accounts wanting to accept credit cards directly online or in store without going through Revolut Pay.

Revolut is further expanding its service offerings in the UK and Ireland by now offering Business Customers the ability to process credit/debit card transaction via a local card reader: Revolut Reader | Revolut

Cost is 0.8% + €0.02 for European Consumer cards and 2.6% + €0.02 for everything else.

This service is in addition to their service offerings of accepting cards online for which they charge 1% + €0.20 for European consumer cards and 2.8% + €0.20. The existing Revolut Pay offering continues to exist with 1% + €0.20 fee.

Relevant News items:

Revolut launches online checkout feature with one-click payment - Revolut Pay | Revolut IE

Revolut Business launches Revolut Reader, its first hardware device, moving into in-person payment solutions | Revolut IE

So Revolut now say 'the chargeback was accepted' and my Revolut balance has still not gone down even after AIB debiting the money to pay the merchant a week ago

Head is melted and really getting pissed off at this. I rang AIB card services yesterday and they siad 'oh we'll email the relevant team and we'll ring ya back'

I need to move 3k to my Rev account. Tried Adding it from Revolut App via Google Pay, it failed. Tried using easy bank transfer (ptsb a/c) and it was declined.

Is it "safe" to set my Revolut account up in ptsb online as a 3rd Party and transfer from ptsb to my Revolut LT account?

I have to 2nd this, I’ve also been using Revolut now for the last 4 months as my main bank. Numerous direct debits and recurring payments setup. I haven’t had an issue at all.

Revolut told Lithuanian authorities that it was hacked after a third-party gained access to one of its databases "through the use of social engineering methods"

https://vdai.lrv.lt/lt/naujienos/2021-m-asmens-duomenu-apsaugos-prieziuros-lietuvoje-apzvalga-parengta-pagal-valstybines-duomenu-apsaugos-inspekcijos-ir-zurnalistu-etikos-inspektoriaus-tarnybos-informacija

So Revolut accepted the chargeback and thankfully AIB have recredied my account and the dispute is gone into a 'fraud phase'

Delighted but as i siad not out of the woods yet and my next issue is trying to fix my negative Revolut balance (which is -€1000s)

You cant add revolut as a payee to aib. You need to add them as international once off payment or setup a standing order.

You sometimes have the option to reuse a payee after you send international payment but i find the option isnt always there.

You have the option to amend the amt of your standing order each month before it goes out

Looks like the criminals got substantial information about customers during the "hack":

Names, addresses, e-mail addresses, telephone numbers, part of the payment card data and account details were ripped from its servers.

Revolut states that all card data was hashed and that no PINs or passwords were accessed but giving how seemingly easy it was for the criminals to social engineer their way into significant access one cannot really trust such information, now can one?

It took their security from early Sunday to Monday morning 0200 AM to find out that something was not right (Seriously?) and about 50,150 customers worldwide are affected with 20,687 of them in European Economic Area.

So anybody with an account for now be especially vigilant for any suspicious activity, including suspicious emails, phone calls or messages.

i got one in april, easy to follow instructions. clear repayment plan and no issue paying extra/paying it all. only took about an hour to get the funds as well.

I had money in the revolut and my ulster bank account that's linked, but I don't know if there's a set minimum.

Anyone having issues with revolut cards losing the "tap" facility?

Buddy of mine had a revolut card for about 9 months. In June, he found it wouldn't tap. Checked all the settings in the app, all were correct.

Contacted revolut who agreed to replace the card.

About 2 weeks ago, the new card is no longer tapping. As before, all the app settings are ok. The card is kept in a wallet along with another bank card which works perfectly. Not kept with phone or near a magnetic source, etc.

Anyone have this issue recently?

I tried to get one from them but was refused. Not sure why as I have the money/income there. Tried a smaller amount initially and no joy. Went to my local credit union and they approved the loan within a few days for the higher amount I wanted. Rates are about the same anyway in my CU. 5.9% vs 6.5%.

Seems like most Revolut things, ymmv

You will probably need to call them to manually set it up. You might have to submit a paper DD mandate.

16 is still <18

Do you have to input their DOB. Could be a 'computer says No' due to their ages.

Have a query regarding buying something online.

Previously I made a transfer from my revolut balance to a revolut user and item never arrived, asked revolut for my money back and was told basically there was nothing they could do as there is a disclaimer saying do you trust this person. Luckily the seller sent money back but revolut were no help.

Now I want to purchase something via revolut and the person sent me a link, the link didn't open the app but bought me to a webpage, so if i enter my revolut card details and pay from my revolut card, will i have chargeback protection?

Is this a https://revolut.me/ or a https://pay.revolut.com link?

The first is usually used by private individuals to receive money rather than sharing the full Revolut details, especially popular with adult entertainment. Can be generated in the app by any use without any paperwork. Not really safe for anybody, money sent, money gone. It's part of the Revolut Wallet service.

The second one is a link used by business that have signed up with Revolut as their payment processor service, it's a service that cost money but allows a business to accept credit cards but at present lacks the ability to access money you have in the Revolut account. It's the same link all of the other online processors and your protection varies depending on the card you use. It's not part of the Revolut Wallet, it's a real business offering like AIB, Sage, Square and all of the other processor offer. Totally different thing.