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Revolut - Ultracheap FX (prepaid Mastercard)

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Comments

  • #8582
    awec
    Administrators Posts: 54,087 Admin ✭✭✭✭✭awec


    Does anyone here have Premium or Metal?

    Is it worth it? I'm looking through the extra features and trying to figure out what it is that people feel is worth paying for?


  • #8583
    DubDJ
    Registered Users, Registered Users 2 Posts: 5,359 ✭✭✭DubDJ


    awec wrote: »
    Does anyone here have Premium or Metal?

    Is it worth it? I'm looking through the extra features and trying to figure out what it is that people feel is worth paying for?
    I have Metal and don’t think it’s worth it, one of the main benefits for me was the 1% cash back which turned out to be 1% outside Europe, and 0.1% in Europe which amounts to a few cent each week.

    I got a free year but I don’t see any reason why it’s worth paying for.


  • #8584
    gmisk
    Registered Users, Registered Users 2 Posts: 33,302 ✭✭✭✭gmisk


    I was in live chat about rainbow card....they said there are delays...but fingers crossed should be here by end of the week apparently.


  • #8585
    acalmenvoy
    Registered Users, Registered Users 2 Posts: 884 ✭✭✭acalmenvoy


    rushfan wrote: »
    Just seen this myself and have also deactivated ATM withdrawals. Thanks for the tip.
    Same here..


  • #8586
    _Godot_
    Registered Users, Registered Users 2 Posts: 884 ✭✭✭_Godot_


    gmisk wrote: »
    I was in live chat about rainbow card....they said there are delays...but fingers crossed should be here by end of the week apparently.


    I hope so!


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  • #8587
    eeloe
    Moderators, Music Moderators Posts: 3,754 Mod ✭✭✭✭eeloe


    What's the rainbow card? the pride ones?


  • #8588
    adox
    Registered Users, Registered Users 2 Posts: 19,018 ✭✭✭✭adox


    adox wrote: »
    I recently did a transfer to the UK and it took 2 days to arrive.

    Just an update on this. I sent a much larger amount to the same(around 5k) to the same recipient yesterday and he had it within a couple of hours.
    So I think the first one was a hold up by Revolut. They had it pending transfer for a day and then eventually sent it the following afternoon. it was my first transfer to a UK account so maybe some checks or whatever done first time.

    Yesterday it told me nearly instantly that the money had been transferred.


  • #8589
    BArra
    Registered Users, Registered Users 2 Posts: 4,036 ✭✭✭BArra


    still no rainbow card delivery for me


  • #8590
    RoYoBo
    Registered Users, Registered Users 2 Posts: 856 ✭✭✭RoYoBo


    Not for me either, but I got an app notification to say it was on its way.


  • #8591
    kenmc
    Registered Users, Registered Users 2 Posts: 7,277 ✭✭✭kenmc


    RoYoBo wrote: »
    Not for me either, but I got an app notification to say it was on its way.

    Same here, on Monday I think


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  • #8592
    Corholio
    Registered Users, Registered Users 2 Posts: 14,014 ✭✭✭✭Corholio


    Trying to link my Revolut card to Paypal but it keeps saying address is invalid. Have tried entering it in different combinations but no luck.

    Has this ever happened anyone? I haven't tried link the Revolut bank account or anything, just the card.


  • #8593
    bennyx_o
    Registered Users, Registered Users 2 Posts: 4,159 ✭✭✭bennyx_o


    Fairly common issue, if you search the thread you'll see some possible solutions


  • #8594
    duffman13
    Registered Users, Registered Users 2 Posts: 9,025 ✭✭✭duffman13


    Corholio wrote: »
    Trying to link my Revolut card to Paypal but it keeps saying address is invalid. Have tried entering it in different combinations but no luck.

    Has this ever happened anyone? I haven't tried link the Revolut bank account or anything, just the card.

    Happened me last week, go back in to revolut and maybe refresh your address, worked for me then


  • #8595
    gwalk
    Closed Accounts Posts: 1,107 ✭✭✭gwalk


    Corholio wrote: »
    Trying to link my Revolut card to Paypal but it keeps saying address is invalid. Have tried entering it in different combinations but no luck.

    Has this ever happened anyone? I haven't tried link the Revolut bank account or anything, just the card.

    Have my card and account linked to mine, didnt have any problems

    Is the address the same on both?


  • #8596
    0gac3yjefb5sv7
    Closed Accounts Posts: 3,948 ✭✭✭0gac3yjefb5sv7


    Why do people use Revolut cards abroad when the savings are quite minimal? For example my bank charges 1.5pc in fx fees. If I spend 500 on a weekend away. That's 8 euro. Or am I missing something?


  • #8597
    Jeff2
    Registered Users, Registered Users 2 Posts: 7,144 ✭✭✭Jeff2


    Pheonix10 wrote: »
    Why do people use Revolut cards abroad when the savings are quite minimal? For example my bank charges 1.5pc in fx fees. If I spend 500 on a weekend away. That's 8 euro. Or am I missing something?

    For one you can have a few cards on the account, if one goes missing then just block it in app and use another.


  • #8598
    The high horse brigade
    Closed Accounts Posts: 4,456 ✭✭✭The high horse brigade


    Pheonix10 wrote: »
    Why do people use Revolut cards abroad when the savings are quite minimal? For example my bank charges 1.5pc in fx fees. If I spend 500 on a weekend away. That's 8 euro. Or am I missing something?

    What exchange rate do they give you? Bet it's higher than the exchange rate on the day and costing you more than that. I mostly use mine on Amazon to pay in sterling as my bank screws me if I pay in sterling and Amazon screw me if I pay in Euro


  • #8599
    0gac3yjefb5sv7
    Closed Accounts Posts: 3,948 ✭✭✭0gac3yjefb5sv7


    The high horse brigade wrote: »
    What exchange rate do they give you? Bet it's higher than the exchange rate on the day and costing you more than that. I mostly use mine on Amazon to pay in sterling as my bank screws me if I pay in sterling and Amazon screw me if I pay in Euro

    1.5pc


  • #8600
    TheChizler
    Registered Users, Registered Users 2 Posts: 9,474 ✭✭✭TheChizler


    Pheonix10 wrote: »
    1.5pc
    That's the fee on top of the inflated exchange rate isn't it?


  • #8601
    Jeff2
    Registered Users, Registered Users 2 Posts: 7,144 ✭✭✭Jeff2


    Probably been gone over a few times but I got a Curve card and it wouldn't activate with just Revolut card there.
    I added my Irish bank card and selected that for transactions and it activated fine.


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  • #8602
    0gac3yjefb5sv7
    Closed Accounts Posts: 3,948 ✭✭✭0gac3yjefb5sv7


    TheChizler wrote: »
    That's the fee on top of the inflated exchange rate isn't it?

    No just 1.5pc FX on transactions it says.


  • #8603
    TheChizler
    Registered Users, Registered Users 2 Posts: 9,474 ✭✭✭TheChizler


    Pheonix10 wrote: »
    No just 1.5pc FX on transactions it says.
    Yes but the exchange rate the bank offer you will very likely be worse than the interbank rate Revolut give you. For example what's the EUR to GBP rate your bank are offering today?


  • #8604
    0gac3yjefb5sv7
    Closed Accounts Posts: 3,948 ✭✭✭0gac3yjefb5sv7


    TheChizler wrote: »
    Yes but the exchange rate the bank offer you will very likely be worse than the interbank rate Revolut give you. For example what's the EUR to GBP rate your bank are offering today?

    Revolut are actually charging a higher fee than visa... doesn't make any sense to use it so.


  • #8605
    -=al=-
    Registered Users, Registered Users 2 Posts: 4,290 ✭✭✭-=al=-


    But the exchange rate is worse


  • #8606
    mickoneill31
    Registered Users Posts: 855 ✭✭✭mickoneill31


    Pheonix10 wrote: »
    Why do people use Revolut cards abroad when the savings are quite minimal? For example my bank charges 1.5pc in fx fees. If I spend 500 on a weekend away. That's 8 euro. Or am I missing something?

    I'm looking at Ulster Banks site now. For a Euro theyll give me £0.8811and add on whatever fee (on my last transaction of €829 they charged me €17 so it seems like its more than 1.5% but we'll assume that as I'm not sure the exact figure. )
    Revolut will give me £0.9035 and no fee up to €5000 in cc transactions

    So for a grand now you'll get £881.1 and pay €15 with the bank.
    Or you'll get £903.5 and pay no fee with Revolut.

    Even if the rates were identical 1.5% saving would be worth it for me.

    After €5000 the Revolut fee is 0.5%. I don't spend that a month. Your bank probably has a maximum charge so if you get into huge numbers it might be cheaper with them.

    I started using Revolut in Thailand a couple of years ago.
    To withdraw 10200 THB in revolut was €259.02 from the statement.
    The same in Ulster Bank debit a few days later was €269.95 from the UB statement.
    Its not huge money but a tenner is better in my pocket than the banks.

    Over a year I'd save a couple of hundred quid with travel and foreign shopping.


  • #8607
    killbillvol2
    Registered Users, Registered Users 2 Posts: 5,178 ✭✭✭killbillvol2


    Pheonix10 wrote: »
    Revolut are actually charging a higher fee than visa... doesn't make any sense to use it so.

    You're right and everyone else is wrong then.

    I don't think you understand how fx works tbh.


  • #8608
    paddy19
    Registered Users Posts: 1,144 ✭✭✭paddy19


    Pheonix10 wrote: »
    Why do people use Revolut cards abroad when the savings are quite minimal? For example my bank charges 1.5pc in fx fees. If I spend 500 on a weekend away. That's 8 euro. Or am I missing something?

    The fx fee is a diversion, the real ripoff is the lousy exchange rate the bank is giving you.
    Revolut is giving you one of the best rates available.


  • #8609
    Yggr of Asgard
    Registered Users, Registered Users 2 Posts: 5,231 ✭✭✭Yggr of Asgard


    If you spend 500 £ today than your bank will charge you an exchange rate that is set the day before and stays where it is independent of any changes.

    So look at yesterday for example.

    In this case you have to pay 564.43 € including the 1.5% fee (according to the offical visa exchange rate)

    Revolut charges you the rate at the time the transaction is authorized (so you know what you pay) so depending on when you paid you could have paid between 552.75 € and 554.36 € for it.

    That means you could have saved at least 10.07€ and up to 11.68€ (1.7% to 2.06%).

    That shows you that it's not just the 1.5% but also additional cost due to the exchange rate used by your bank.

    And while you might not appreciate 10 to 11 € more in your pocket, I rather buy myself something for that money than give it to a bank !


  • #8610
    Yggr of Asgard
    Registered Users, Registered Users 2 Posts: 5,231 ✭✭✭Yggr of Asgard


    Pride card just came.

    Send in a small envelope from Germany, no posting date on it.

    Hope others arrive soon too.


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  • #8611
    bennyx_o
    Registered Users, Registered Users 2 Posts: 4,159 ✭✭✭bennyx_o


    Just about to post that mine arrived too


This discussion has been closed.
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