Revolut Megathread.

https://extra.ie/2025/12/12/news/revolut-paul-anthony-walsh#:~:text=Paul%20Anthony%20Walsh%2C%20from%20Galway,from%20his%20account%20in%20September.

I see nothing in that article that says a "legacy" bank would return the funds to him.

Sounds to me like a victim of possibly malware and appalling funds management by a self proclaimed "tech".

Your debit cards should only have what you are willing to lose regardless of the bank in available funds. Had his "savings" been in a pocket (as well as being more careful with his digital footprint) it wouldn't have happened.

However I do believe that if they claim biometrics were used to add your card to any phone and you request to access the biometrics that they should have to show them to you and not hide behind GDPR nonsense. If you are ripping a person off you lose those rights in my playbook. And if you claim they were used and they passed you need to prove it also.

GDPR gives you the right to all information about your business, so if they claim that it was then you can get the information.

It appears that his card was added to a phone in Spain, without apparent notification. This may have been the work of sophisticated criminals, but I suspect it also exposes unsophisticated procedures on the part of the bank. If a card is moved to a new phone then a text should be sent to a previous number and an email also.

I don't keep a large balance on Revolut. However, I am interested in Revolut's interest rate. Is there any way to put security so that moving something out an interest bearing account has a security check? The idea being that you cannot just move money out a demand account and into the card and then somewhere else.

Yes its called wealth protection and you can set a 24h amount. So lets say you set it to 100€ per 24h (can be set as low as 1€). If you try move over that amount in 24h you need to submit a biometric selfie.

You Can set different limits for:

Transfers

Pockets

Savings accounts

Invest

Commodity

Crypto

They also have street mode where if you try and send someone money outside your geographic areas you set it requires one and also there is a delay for scenarios where you are made do it in lets say a mugging and they force you send funds to them.

Having looked at this, the location thing in Revolut is good. But they make no distinction between your own accounts that you have often used and new payees, this makes no sense at all. Most banks require a delay to new payees but allow transfers t previous payees. Its a pity, Revolut is a good service in many ways, but they clearly do not take security seriously. They have not rethought things properly since their earlier days when people only had a small balance, now they are offering savings and investments.

https://www.raisin.com/en-ie/bank/tf-bank-ab-publ/

I don’t buy his story.

To set up Google Pay, you need to add the card to your device, either through the app or directly via Google Pay.

If you do it through Google Pay, you then have to confirm it in the Revolut app, either via a push notification or an OTP.

There are far too many data points required, including full card details and other information.

The only way this could work is if someone had access to his unlocked phone or app for a period of time.

Unfortunately, Google doesn’t provide device details to the bank.

It would be nice if, during setup, they transmitted the IMEI or something to identify the device, but unfortunately, it’s just a simple check to see if the card is valid and Google Pay is allowed.

Plus you get an in-app notification that google pay is now setup for the card, so he should have seen that notification.