Revolut Megathread.

Ive been using them since 2022 for salary and i havent had any issue with salary or stock payouts either. I don't use any crypto sites which i think can lead to issue with account blocking. If getting any money from other sources like that i'll use a secondary PTSB/EBS/AIB account for that. I have EBS current account as a backup as well as N26 and Visa if it comes to that.

Received a response from AIB in letter form stating they are investigating the issue regarding rejection of Revolut payments to their AIB credit card payment account and they will get back to me no later than the 25th of this month.

Got one last week. I was on waiting list originally. didn’t receive any notification from Revolut that I could proceed to next stage. Just chanced arm with application.

My credit union was the same, their app wouldnt recognise the new BIC. I had to go in there and explain and they got their tech team to update their system and now it works for transferring money to Revlout. But it took a bit of insistance as their default position to begin with was that it was Revlouts fault when I knew that was unlikely.

Anyway I came here to ask does anyone know where I can find concrete information on Revlouts charges to withdraw your money at ATMs abroad and specifically African countries in this instance. I looked in their app wanting to find a country by country list of charges but cant find anything at all.

Also if anyone has travelled Africa using a Mastercard, how was it. Ive read that not everywhere accepts it as Visa is dominant there. Did you find the same, was it hard to find ATMs that withdrew cash on the Mastercard network?

Regarding ATMs, probably the most concrete answer is it depends

Revolut will apply an ATM withdrawal fee of 2% once you go above €200 or 5 withdrawal transactions. The limits are higher on the paid accounts

However you might get charged by the ATM provider as well for using their service. I got hit with that in the US a couple of times

Also depending on the currency, you might pay an exchange surcharge. This is because Revolut sometimes uses external payment services to change some currencies and they need to pay for that service

I think if you try exchanging to that currency it'll show the charges

I take it back... Seems to be very arbitrary how fast the transaction is completed. Now been waiting all day for my money to reach the Revolut account and no sign of it yet. You'd think after it was completed once, it would work the next time but no.

I was told they won’t change my. Long story short I cancelled my account. Created another one same day and hot the Irish iban right away.

Thanks yeah I was just looking into Metal there and am thinking of upgrading to it as it says it gives ATM withdrawls for free up to 800 per month and then also 40% discount on their transaction fees to process anything above that amount. It also gives you travel insurance which I was going to buy anyway for 160 from Multi Trip but Metal is 135 a year so potentially a big saving there. I just have to dig through pages of T&Cs first as the travel insurance bit is vague on the app, I need to see the detail of what it covers before I take cover with Revlout instead of a traditional insurer. If its similar cover for medical and accidents abroad then its a bargain for me as I was going to have to spend 160 on insurance it anyway but Metal could give me that and discounted currency exchange and ATM withdrawal fees on top

If you or any poster has a referral code or knows of a sign up discount code when upgrading to Metal then kindly post it up. Im happy to go 50/50 if there is a referral code for Metal.

Does anyone know if there's a way to see the total of upcoming expenses?

If you click into scheduled payments it'll bring up the category totals (vaults, scheduled transfers, subscriptions) but it doesn't show the grand total

Is there another view that shows this, or is my only option to grab the calculator?

EDIT: I've managed to answer my own question. If you tap into analytics, then tap scheduled payments and scroll to the bottom there's an option to see all scheduled payments

It'll open a new page which shows the total of upcoming payments at the top

Nice, but they could make it easier to find 😕

It clearly is targeted because I know people who go a mail today telling them 40, 50, 60, 70 or 80.

Maybe it's based on your past ability to bring people in or what they estimate they can attach as value to the person you got or maybe it's as simple as they pick the number at random.

On the surface it seems that if you are a good customer which generates some revenue (premium plans, fees etc.) you are are more likely to have friends that also would do that so you might get a righer referal bonus than someone who just uses Revolut without generating any sort of revenue for them.

What is clear however is that paying 80€ for a referral is significant.

It's a bit annoying that they only offer the standard card with the joint account with no option to personalise it

It would be nice if it was a different colour to easily distinguish it from a personal account one

It does seem to say joint account on it at least, just would have preferred something more idiot proof

EDIT: Well seems that Revolut heard me and decided to make me look the fool 😅

Got the new joint card today and it's definitely a darker shade of blue/magenta to my standard one

Dunno if that's just the new colour scheme, I got my personal card in 2022 so it might have changed