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Revolut Megathread.

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Comments

  • #6662
    [Deleted User]
    Posts: 45,738 ✭✭✭✭ [Deleted User]


    You'll be insured with your credit card if someone hacked into it. Debit cards too I think but not 100% on that



  • #6663
    Delta2113
    Registered Users, Registered Users 2 Posts: 2,941 ✭✭✭Delta2113


    Anyone check out new terms and conditions from 30-10-2024?

    Think main thing is an admin fee in connection with closing account.



  • #6664
    the_amazing_raisin
    Registered Users, Registered Users 2, Paid Member Posts: 13,567 ✭✭✭✭the_amazing_raisin


    https://www.boards.ie/discussion/comment/122562168#Comment_122562168

    I had a quick look and that seems to be pretty much it

    There was some stuff about cash withdrawal fees which seems like closing a few potential loopholes

    "The internet never fails to misremember" - Sebastian Ruiz, aka Frost



  • #6665
    beachhead
    Registered Users, Registered Users 2 Posts: 3,835 ✭✭✭beachhead


    And New York time for weekend foreign currency transactions



  • #6666
    flazio
    Registered Users, Registered Users 2 Posts: 14,094 ✭✭✭✭flazio


    Bit of a security concern. Usually when I pull up for diesel at Certa self service I use my BOI visa debit card, put €40 in the car, using chip and PIN. All goes well.

    Earlier today, used my Revolut physical visa debit to put in €20 in the car and the transaction was approved with no PIN. What's that about?

    This too shall pass.



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  • #6667
    sonyvision
    Registered Users, Registered Users 2 Posts: 617 ✭✭✭sonyvision


    Anyone get the loan through Revolut?.

    I applied and got refused. To be honest I'm sort of annoyed they declined as I thought my credit report would be great!. The algorithms seem to fail to identify my salary as it moves up and down due to changing tax credits.



  • #6668
    bennyx_o
    Registered Users, Registered Users 2 Posts: 4,879 ✭✭✭bennyx_o


    There was an issue previously (assuming it's been resolved) where it wouldn't identify salary lodgements at all if you banked with PTSB, it would just see them as a transfer from yourself



  • #6669
    con747
    Registered Users, Registered Users 2, Paid Member Posts: 10,919 ✭✭✭✭con747


    https://www.boards.ie/discussion/comment/122563166#Comment_122563166

    Most if not all cards have a limit to the number of contactless transactions before you need to re-enter your pin as a security precaution in case it gets robbed, maybe that?

    Don't expect anything from life, just be grateful to be alive.

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  • #6670
    dulpit
    Registered Users, Registered Users 2 Posts: 15,574 ✭✭✭✭dulpit


    The certa pumps near me in Cork all don't have contactless. You have to put card in and enter pin.



  • #6671
    the_amazing_raisin
    Registered Users, Registered Users 2, Paid Member Posts: 13,567 ✭✭✭✭the_amazing_raisin


    https://www.boards.ie/discussion/comment/122563245#Comment_122563245

    Tbh it seems pretty random at times, I think I had to wait until my salary had been paid in for several months plus I had a certain amount in savings before I got approved

    "The internet never fails to misremember" - Sebastian Ruiz, aka Frost



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  • #6672
    Gadgetman496
    Registered Users, Registered Users 2 Posts: 8,548 ✭✭✭Gadgetman496


    https://www.boards.ie/discussion/comment/122563316#Comment_122563316

    You can reset the contactless limit at any time yourself from within the App

    "Everybody is a genius. But if you judge a fish by its ability to climb a tree, it will live its whole life believing that it is stupid."



  • #6673
    the_amazing_raisin
    Registered Users, Registered Users 2, Paid Member Posts: 13,567 ✭✭✭✭the_amazing_raisin


    https://www.boards.ie/discussion/comment/122563316#Comment_122563316

    Isn't the issue that the terminal didn't ask for a pin when it should have?

    "The internet never fails to misremember" - Sebastian Ruiz, aka Frost



  • #6674
    con747
    Registered Users, Registered Users 2, Paid Member Posts: 10,919 ✭✭✭✭con747


    https://www.boards.ie/discussion/comment/122563729#Comment_122563729

    You would need to ask the OP that, I was just saying why one card might ask for a pin whilst another might not.

    Don't expect anything from life, just be grateful to be alive.

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  • #6675
    flazio
    Registered Users, Registered Users 2 Posts: 14,094 ✭✭✭✭flazio


    https://www.boards.ie/discussion/comment/122563460#Comment_122563460

    That's kind of my point, I didn't tap my Revolut card, I put it in the slot for the chip reader, like I do with my BOI card.

    This too shall pass.



  • #6676
    dulpit
    Registered Users, Registered Users 2 Posts: 15,574 ✭✭✭✭dulpit


    My brother was showing me his Revolut metal card the other day. He travels a lot so was saying it makes sense to have it because of the lounge access and insurance stuff or something. But I wasn't really certain what the actual real benefits are in having a metal plan.

    I use Revolut for nearly all my day to day banking. I get paid into ptsb, but transfer funds across and use Revolut for most payments then.

    I don't have investments, I have a small amount stuck in one of those savings vaults things. Is there anything I missing with the basic plan?



  • #6677
    beachhead
    Registered Users, Registered Users 2 Posts: 3,835 ✭✭✭beachhead


    No



  • #6678
    [Deleted User]
    Posts: 3,330 ✭✭✭ [Deleted User]


    €10 monthly fee introduced for basic plan with Revolut Business



  • #6679
    beachhead
    Registered Users, Registered Users 2 Posts: 3,835 ✭✭✭beachhead


    Business holders beware



  • #6680
    the_amazing_raisin
    Registered Users, Registered Users 2, Paid Member Posts: 13,567 ✭✭✭✭the_amazing_raisin


    https://www.boards.ie/discussion/comment/122566645#Comment_122566645

    Probably not, I definitely wouldn't bother with the Metal plan unless you travel a lot

    I got Plus purely to use the under 18 accounts for my kids. The higher exchange limit and better savings rates are handy but probably didn't pay for the plan yet

    "The internet never fails to misremember" - Sebastian Ruiz, aka Frost



  • #6681
    [Deleted User]
    Posts: 3,330 ✭✭✭ [Deleted User]


    https://www.boards.ie/discussion/comment/122567443#Comment_122567443

    beware what?



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  • #6682
    tom1ie
    Registered Users, Registered Users 2 Posts: 13,264 ✭✭✭✭tom1ie


    hi all

    I have revolut standard and I’m wondering what interest (if any) they pay on the deposits in the account?
    I see there’s a message in my inbox saying I could get 3.94% APR Daily in an instant access savings account?
    Anyone else using this option?



  • #6683
    Yggr of Asgard
    Registered Users, Registered Users 2 Posts: 5,391 ✭✭✭Yggr of Asgard


    https://www.boards.ie/discussion/comment/122568736#Comment_122568736

    The rates for the the instant savings account at the moment (01/09/2024) are

    2% on standard and Plus

    2.5% on premium

    3% on Metal

    3.49% on Ultra

    All paid out daily with DIRT deducted.

    Money can be transferred between the savings account and main account in real time 24/7.



  • #6684
    beachhead
    Registered Users, Registered Users 2 Posts: 3,835 ✭✭✭beachhead


    https://www.boards.ie/discussion/comment/122568731#Comment_122568731

    Tenner a month and whatever else is in the mix with new terms and cons



  • #6685
    ricardogame
    Registered Users, Registered Users 2 Posts: 24 ✭ricardogame


    4d2e6c45-b627-49b4-a7ed-e6c0ce74f88f.jpeg

    I'm looking to buy a product from Samsung website and the the sale agent advised me to check my Revolut, but I haven't signed up for Revolut yet.


    Would anyone mind to check if there is anything special for Samsung?

    Thank you.



  • #6686
    Yggr of Asgard
    Registered Users, Registered Users 2 Posts: 5,391 ✭✭✭Yggr of Asgard


    https://www.boards.ie/discussion/comment/122586631#Comment_122586631

    All it shows for me is 15x points.

    Samsung has an EPP that is open to everyone (credit card promos, workplace benefits etc.) which you can find here: https://shop.samsung.com/ie/epp



  • #6687
    Sheep Shagger
    Moderators, Business & Finance Moderators Posts: 7,347 Mod ✭✭✭✭Sheep Shagger


    Can't say the epp has offered me any decent deals.

    The Revolut buy now pay later, interest free offer also applies to Samsung purchases (instead of points).



  • #6688
    Sheep Shagger
    Moderators, Business & Finance Moderators Posts: 7,347 Mod ✭✭✭✭Sheep Shagger


    So, booked a Ryanair flight yesterday and paid by Revolut, today I get an email from Revolut offering me trips at my destination?!? How do they know my destination?

    Includes getting points on a hotel booking which incidently is cheaper than the hotels own site for my dates as well as booking.com

    Does anyone know who is behind the hotel offers from Revolut, being nearly €100 cheaper than booking.com who were the cheapest online almost sounds too good to be true?

    Edit: Seems it's Expedia, should be OK then?



  • #6689
    Yggr of Asgard
    Registered Users, Registered Users 2 Posts: 5,391 ✭✭✭Yggr of Asgard


    Your airline might have told Revolut with the transaction, not all airlines or credit card companies actually do something with that info, but Revolut who extensively uses the data they have about you is clearly.

    For example, I have seen info like this been transmitted to my credit card company:

    AER LINGUG8B [My Name], DUBLIN 203,69 -

    Passenger: [My Name]

    Ticket-Number: XXX

    Seller: AER LINGUS

    Travel Date: XXXX

    From: XXX

    Destination: XXX

    In fact, on my German Credit Card all of that information is on the actual bill that I receive for each flight I book.



  • #6690
    the_amazing_raisin
    Registered Users, Registered Users 2, Paid Member Posts: 13,567 ✭✭✭✭the_amazing_raisin


    https://www.boards.ie/discussion/comment/122588199#Comment_122588199

    Ah the wonders of analytics and web trackers 😬

    "The internet never fails to misremember" - Sebastian Ruiz, aka Frost



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  • #6691
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    https://www.boards.ie/discussion/comment/122588535#Comment_122588535

    If Revolut were using such information to generation targeted marketing, they'd be in a whole pile of smelly dodo with data protection authorities.



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