Interestingly, when I make transfers to An Post, the reference always gets deleted
I've put references in Revolut but when it shows in An Post it always says "not provided"
My guess is that it's something similar to this issue
I phoned AIB and they mentioned the end to end id that was referenced earlier. They also said they had 16 complaints about this and had been in contact directly with Revolut on how to fix.
Part if the problem is the banks don't use the proper name for the difference reference fields. You would never know it is an ISO Standard!
If you want more reading google for the Dummies guide to ISO20022 pdf.
The Categories feature would be a great way of keeping track on spend (hello Amazon!) if it worked; but mine keep on being reset :(
Revolut cards are hit with the same ATM charges as any other card.The exchange rate is only marginally better outside the EU.I see a post about e1,500 a month the charges will be noticeable on the amount.A company like smallworldfs.com would cost less if done in one transaction
I need to open up a revolut account. Apart from my passport,do I need additional documents?
Passport and your phone is all you need. They will ask you for your tax number (PPS) at some point (Could be months or more) after your account is open.
So no other documentation is needed just passport.
Many thanks, they can't reactivate my old account. I must open a new one.
Our joint account for all household/joint/mortgage expenditure is now set up using Revolut as the main provider. Not too hard changing over the direct debits.
Final hurdle is to get the kids child allowance paid in there.
Will then be able to get get rid of the piece of crap that is the PTSB app. The bloody 2FA that mostly never works and blocking Google pay use after 5 or so transactions (until you use chip and pin to reset it) is a pain in the hole.
Has anyone figured out a way to get spare change turned on when using a joint account? Works fine for personal accounts but is it a feature for joint accounts yet?
No problems with 2FA on PTSB for me and anything that secures an account must be good - chip and pin use.I would have a concern if it didn't happen.Certain other banks in the couldn't give a ................................
Genuinely I’ve never had a problem with PTSB. Online/app banking is fine. The 2FA has worked perfectly every time. Use Apple Pay rather than google pay and never have to reset.
Appreciate others may feel differently but very happy with them
For those who use an AIB credit card and having issues to pay the balance via Revolut: Avant money credit card allows to pay off the bill on their website, so there's no issue dealing with a bounced payment.
What does Avant money mastercard offering have to do with the AIB Visa card issue? This is like saying N26 is the solution to paying your AIB credit card as they don't have issues with bounced payments... in addition you are only offering a 15k line of credit.
The above post has a sense of an employee pimping the product to be honest.
If less than 15k is not enough (which in most cases is), than AIB credit card holder can consider moving to someone with more flexible service, i.e. posibility to pay online, not the old school way via the EFT. It's hard to believe you're pretending that you didn't get what I was saying. And don't need to be overly dramatic for someone being helping and pointing out to the other option.
Sure just at a considerably higher APR for those that don't clear it monthly.
Been using Revolut for year's after a friend of a friend helped set them up, I would never carry a significant balance there however, but great for internet shopping and travel.
True
Credit card isn't designed to use it as a short loan (e.g., for longer than 56 days). APR for most credit card holders is irrelevant as most people pay it off as soon as the bill is ready.
AIB complaints called today and according to them Revolut have accepted that the issue is on their side and that it is indeed because the end-to-end is not being sent per the SEPA standards and Revolut is working to fix the problem but AIB cannot give a timeliness resolution. Hopefully it doesn't take them too long and people don't need to resort to others unhelpful suggestions. At the end of the day it's not really a problem just that bit less convenient having to login to another banking app to pay it from there which is less hassle then alternatives.
I suppose the other use of a credit card is for an unexpected expense (e.g. car sh!t the bed) which you don't have the cash on hand to pay for
In that case APR would be important because you might not be able to pay it off in one go
Now in the case of Rrvolut, you could work around by using the credit card and then getting a short term loan to pay it off. The APR of 6% is better than the AIB credit card AFAIK, and you can pay it off as fast as you want
Disclaimer: I'd call this a method of last resort to pay for something and would advocate having a rainy day fund instead of being dependent on debt
It's interesting how AIB spins this into its Revoluts fault because the "irish" solution is to use the end-to-end while the rest of Europe is using payment description or a combination of the 3 available fields.
So now for the sake of their Irish customers Revolut has to go ahead and adapt either an additional field into their payment process (which is going to confuse customers) or remove the payment description (which can take way more characters) and instead show the end-to-end which might cause problems with payments outside Ireland. Plus giving how limited in characters that field is, it might cause other issues.
How about AIB starts using the relevant fields instead so that it can actually process payments from around Europe in an efficient way. Or the allow payments into the "foreign" account from all banks rather than just non-Irish Banks.
But sure, it's Revoluts fault for using a different field than the Irish Bank Cartell has agreed to.
Now don't get me wrong, in an ideal world the banks would exchange all 3 fields with each other, but I am continuing to think the Irish Banks do whatever they can do stop foreign players to come in despite the EU open market.
Hi - Sorry if I’ve missed this in the thread, but has anyone had any hassle setting up a joint account since Revolut launched the function ? I can’t get the option from the app but my partner can. When she selects me to open a joint account with it says I can’t be invited to a joint account.
Any help or steers on this would be appreciated.
Thanks
Phil
I think you need to have the option as well for your partner to invite you
They had it working before with the UK and LT IBANs so must have the ability to use the right fields at a some level. There is just something configured differently now with the IE one which wasn't picked up in testing.
I think that's because they had to be sent to the foreign AIB IBAN for credit cards. Worked for me with the Revolut LT and N26 DE IBANs sending to the foreign AIB IBAN.
The IE Revolut and Bunq IBANs don't work sending to the "Irish" AIB IBAN.
Maybe AIB look at all fields for the foreign IBAN but only the one they expect for the Irish one?
Revolut's new aggressive customer education during transfers is becoming a pain.
I did not spend as much as I thought this month via Revolut and hence decided to withdraw some money to my own Germany Based account (which I had done in the past) only to be told that there is a 98.7% chance that this I'm getting defrauded.
Then I had to sit through two videos educating me about fraud and when I than confirmed, I got another two videos educating me on "safe accounts" frauds.
On a transfer to my own account, I had used in the past for both receiving and sending.
Not sure if it is the issue but If you aren't on the Irish IBAN yet the joint account won't be available to you until you are
Heya have 2 qs about Revolut.
1. My wife and I previously with KBC so have had to find a new sole current account which we have with Revolut and no issues so far. I have got the email so far about joint account which we already have with AIB and don't pay fees on as mortgage payment comes from there. I wouldn't mind a Revolut joint account too but do they charge fees on this account? Also can you get physical cards so would that be 7.99 each for them to be posted out?? Maybe somebody who has set up joint account can confirm some of the above
2. Made my first cash withdrawal of 50 quid at weekend there and was charged 0.12, don't care about the money just want to know is this a common thing when withdrawing money or would it only be at some ATMs? Think it might have said Goverment Stamp Duty on Revolut for this.
You are lucky that they didnt freeze the transfer and look for some documentation. 😃
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