Revolut Megathread.

Interesting.. didn't get any email about this at all but I do see it on their website. When did you get the email?

https://help.revolut.com/en-US/help/adding-money/with-card/more-help-with-adding-money-with-a-card/restricted-card-deposits/

Didn't get an email about it and I top up monthly and repay it straight away to get the 0.5% cashback the card issuer gives. Shame to loose the 25€ a month additional cashback for 2 transactions now 😢

Thanks I've asked revolut what MCC are they moving to but well it's revolut support I'm on second agent in as many minutes so I'm not all that hopeful they will actually be able to answer. Note: card is am using is a credit card.

Well the best thing is going to be to simply test it with a small amount on Tuesday and see what happens.

Because Revolut Customer Facing People won't' be able to tell you this (unless they escalate to the back end and then good luck), but once it hits your credit card account you will know.

It might just be a small subset of Visa Card providers mostly outside Ireland and hence they have not e-mailed Irish customers, German and Spanish Customers have reported getting mails in various forums. So, if beside me (having used a non irish card) no other irish customers got the mail, maybe it's not hitting our banking cartel at the moment.

I also am of the opinion that this is a dispute between Revolut and Visa and not something general.

Revolut used MCC 6012 (Financial Institutions – Merchandise, Services, and Debt Repayment) until about 5 years ago when they moved to MCC 4829 (Money Transfer). Some German customers got MCC 6011 (Financial Institutions – Automated Cash Disbursements). At least in my experience and from what I have seen from others. That was because well they finally operated under their own UK eMoney license rather than borrowing the UAE one.

My suspicion is that they will now have to move to MCC 6012 (Financial Institutions – Merchandise, Services, and Debt Repayment) as the definition of Visa is more appropriate for the type of service that Revolut UAB is offering "Account Funding – Financial Institution" or "Deposits – Financial Institutions".

This MCC must be used by Financial Institutions for the purchase of merchandise or services or the repayment of loans & debts. “Financial Institution” includes banks, savings and loans, thrifts, and credit unions. For example: the funding of an account.

But again, unless someone in Revolut tells us or we see the first charges which gives us that info we won't know.

But again Avantcard is already charging Cash Fee/APR for these top-ups.

Also note this will also most likely be the case for paying with a credit card via revolut.me to pay others!

Yeah, Revolut is great for several use case scenarios but as soon as you hit unusual question or scenarios support is well non existing or besides having scripted responses not really useful.

It's one of those tradeoffs

Revolut sometimes recognizes recurring payments as monthly even if they're yearly. You wouldn't be charged unless it somehow changed your actual subscription on the company's site.

Well too late now, just enjoy the stolen muffin 😆

Are the Aer Lingus ones Sandyford? I know Ryanair are serviced by Retail In Motion in Beacon Court. Maybe EI are these days as well 🤷‍♂️

I couldn't even pay with Revolut last year with Aer Lingus and had no other cards got 2 free cans of Heineken though

I have a monthly payment of €10 coming out of my account. This month I notice €10.66 has been taken. I'm on the free plan. Is there any reason for the extra charge.

Apologies. It's a €10 debit card payment a society subs that is taken monthly. This time €10.66 left my account. All times previously it just been the €10 taken.

They've said it's a debit card payment, but your advice still stands