Revolut Megathread.

Atlantic Dawn · 31-12-2019 8:52pm

kenmc wrote: »

Not sure if already posted, but on a recent aer Lingus flight, when announcing the payment options for inflight service and duty free (or whatever it's called these days) they mentioned that they don't accept revolut cards for psyment.

Interesting, thought that would be against the terms of Visa/Mastercard to say they accept either card but not if it's issued by x bank.

31-12-2019 8:56pm

Might be worth letting Revolut know about it.

-=al=- · 31-12-2019 8:59pm

I don't think they accept any prepaid cards on their flights, with Revolut probably being the most popular

I believe, debit and credit are different types to prepaid

Thephantomsmask · 01-01-2020 2:31pm

Mr.S wrote: »

They are prepaid debit cards so the terminal usually needs connectivity to verify that funds are available. Most of the time, airline terminals aren’t connected.

I couldn't use it at a pay at pump gas stations or most vending machines in America for this reason, even though they work here, the card cannot work at an offline terminal.

bossdrum · 01-01-2020 2:35pm

Thephantomsmask wrote:

I couldn't use it at a pay at pump gas stations or most vending machines in America for this reason, even though they work here, the card cannot work at an offline terminal.

My revolut card doesn't work at pay at the pump terminals here.

Boxcar_Willie · 01-01-2020 2:53pm

Ryanair will accept N26 but not Revolut or AnPost cards for in-flight purchases .

Thephantomsmask · 01-01-2020 3:05pm

bossdrum wrote: »

My revolut card doesn't work at pay at the pump terminals here.

Sorry poor phrasing, I don't think I have ever tried a pay at pump here, only America. It does work at vending machines here, which are online terminals but are offline in America.

adox · 01-01-2020 3:49pm

ReginaldSmythV wrote: »

The beginning of the end. Back to my stupid BoI debit card where I have no idea what’s going in and out for days, and no more Google or Apple Pay.

The only way we could stop this is everyone to stand firm and walk out of shops when they refuse it, but it’ll never happen. Was nice while it lasted though.

Plenty of other options on the market for Google and Apple Pay.

01-01-2020 3:52pm

adox wrote: »

Plenty of other options on the market for Google and Apple Pay.

Not without changing banks. I know it’s doable but it’s hassle.

We’re not quite at the end for these prepay cards at this stage anyway and BOI might get an IT department by the time it happens. I’ve an N26 as well but I don’t use it because of the top up delays.

adox · 01-01-2020 3:55pm

ReginaldSmythV wrote: »

Not without changing banks. I know it’s doable but it’s hassle.

We’re not quite at the end for these prepay cards at this stage anyway and BOI might get an IT department by the time it happens. I’ve an N26 as well but I don’t use it because of the top up delays.

You don’t have to change banks though? Just create a new account.

N26 support google and Apple Pay. It’s a proper bank account.

01-01-2020 4:06pm

adox wrote: »

You don’t have to change banks though? Just create a new account.

N26 support google and Apple Pay. It’s a proper bank account.

I don’t really want a bank account for this type of thing. I just want what Revolut does. Bang on some money whenever I need to use it and also for online purchases, and get a notification when it’s used. N26 makes you do a bank transfer so you’d be a long time waiting.
I would never risk putting my wages into either of them.

adox · 01-01-2020 4:33pm

ReginaldSmythV wrote: »

I don’t really want a bank account for this type of thing. I just want what Revolut does. Bang on some money whenever I need to use it and also for online purchases, and get a notification when it’s used. N26 makes you do a bank transfer so you’d be a long time waiting.
I would never risk putting my wages into either of them.

Fair enough but like it’s 24 hours for a transfer. Not as convenient but hardly a huge issue. N26 also gives you notifications.

I’m not having a go, just seems odd that you are going to go back to using your BOI account and forgo Google/Apple Pay and instant notifications when you have a solution already and they are more secure than your BOI card.

Charles Babbage · 01-01-2020 4:40pm

kenmc wrote: »

Not sure if already posted, but on a recent aer Lingus flight, when announcing the payment options for inflight service and duty free (or whatever it's called these days) they mentioned that they don't accept revolut cards for psyment.

Whatever about duty free, which is a saleable product, not accepting cards for coffee and sandwiches is a bit mean, as most people have this much in their account and a fraudster wouldn't get away with much anyway.

Yggr of Asgard · 01-01-2020 5:03pm

ReginaldSmythV wrote: »

Not without changing banks. I know it’s doable but it’s hassle.

We’re not quite at the end for these prepay cards at this stage anyway and BOI might get an IT department by the time it happens. I’ve an N26 as well but I don’t use it because of the top up delays.

Bunq Travel Card does Apple and Google and has an offline limit as it’s coded as credit card. Can be loaded with loads of options. There is a fee but it’s reasonable.

Wirecards Boon is online only and for Apple and google and again loads of load options.

Quackster · 01-01-2020 6:51pm

Curve is another ideal option. It's not a prepaid card so it works in places the likes of Revolut don't.

BKWDR · 02-01-2020 9:15am

OK so woke up this morning to a notification that a 'recurring charge' was refused from PayPal. And it's for 48.42e
Click on the charge and its a direct debit

Bought something on wish.com for 51e couple days ago, funds went out etc

What do I do in this situation? Like if I woke up and someone had had this amount I'd be fuming

timetogo1 · 02-01-2020 9:18am

BKWDR wrote: »

OK so woke up this morning to a notification that a 'recurring charge' was refused from PayPal. And it's for 48.42e
Click on the charge and its a direct debit

Bought something on wish.com for 51e couple days ago, funds went out etc

What do I do in this situation? Like if I woke up and someone had had this amount I'd be fuming

Log onto your PayPal. Click on the cog. Then look for payments. There's a setting for automatic payments. Delete any you don't want.

This is one reason why I leave my cards locked by default

BKWDR · 02-01-2020 10:01am

timetogo1 wrote: »

Log onto your PayPal. Click on the cog. Then look for payments. There's a setting for automatic payments. Delete any you don't want.

This is one reason why I leave my cards locked by default

Have just done that.

Is it the wording that im bugging out over? As in revolut told me it was a direct debit so i assume they are going to dip my account every week but in reality it's just set up as a quick way to pay through wish (or any other site) , like an automatic payment that wish and paypal are now linked

Kat1170 · 02-01-2020 4:50pm

Is there any difference between freezing/unfreezing your card and going in and selecting/deselecting each security feature individually each time.

Dardania · 02-01-2020 4:56pm

BKWDR wrote: »

Have just done that.

Is it the wording that im bugging out over? As in revolut told me it was a direct debit so i assume they are going to dip my account every week but in reality it's just set up as a quick way to pay through wish (or any other site) , like an automatic payment that wish and paypal are now linked

That's my experience. I bought something using PayPal before christmas. And PayPal took a direct debit for that amount today. Was a delay but I wasnt double billed or anything.

This is it · 02-01-2020 7:43pm

Revolut app seemed to have updated over the weekend and now the option for topping up is Google Pay.

I used the card to pay for something today and received money transferred from another revolut card holder but when I add funds, where it used to be instantaneous, an hour later and it hasn't gone through. Anyone else having issues?

Dodge · 02-01-2020 7:50pm

Kat1170 wrote: »

Is there any difference between freezing/unfreezing your card and going in and selecting/deselecting each security feature individually each time.

You can’t lock/deselect ‘chip and pin’ payments so if you want to block them you need to freeze it

Wheety · 06-01-2020 11:05am

dollylama wrote: »

Did anyone get one of the RevP physical Mastercards in the last beta?

I'm using it here at the moment but bizarrely, the card has two valid PINs depending on where you use it. A PoS transaction requires the PIN the card shipped with which thankfully I can recall but ATM transactions require the PIN I set at an ATM after receiving the card. The app shows the PIN as being that I set, twice now, at ATMs but PoS transactions still require the original PIN!!

I've reported it on their beta feedback but I've heard nothing. I'm getting a lot of declined transactions when I forget to enter the original PIN in shops!

I have one but haven't noticed this. I mostly use it for contactless so chances are I either haven't used it for chip and pin or ATM. Or if I did, I probably would have used the same pin.

I've also just noticed that I can now use this in Google Pay for contactless payments. I'm pretty sure only my original Mastercard one worked and that this one didn't?

degsie · 06-01-2020 6:59pm

Unable to make a purchase from Amazon UK (TV series) using Revolut as it not detected as a UK card even though I changed my address to a UK one. Is there some way around this?

Johnny Sausage · 06-01-2020 7:07pm

degsie wrote: »

Unable to make a purchase from Amazon UK (TV series) using Revolut as it not detected as a UK card even though I changed my address to a UK one. Is there some way around this?

The card may have been issued coded as an Irish one?

Try create a virtual card and see will that work?

degsie · 06-01-2020 7:36pm

Johnny Sausage wrote: »

The card may have been issued coded as an Irish one?

Try create a virtual card and see will that work?

Thank you, that seems to have done the trick

. Any ideas how you can tell what geographic region cards have been coded to?

Johnny Sausage · 06-01-2020 8:18pm

Ah glad you got sorted!

I wouldn't have a clue personally about the coding,

I think there was a post in the old thread about it but not entirely sure if it was here or another forum and can't search properly on phone

Dardania · 06-01-2020 9:22pm

Try binlist.net

Gumbo · 09-01-2020 1:42am

Travelling to turkey this month and instead of getting lira I was going to top up my Revolut lira account.
That’s all fine, but I’ve never used it outside of Ireland yet, so how does my card know when travelling to debit my lira account?

Thanks.

F1ngers · 09-01-2020 6:20am

kceire wrote: »

Travelling to turkey this month and instead of getting lira I was going to top up my Revolut lira account.
That’s all fine, but I’ve never used it outside of Ireland yet, so how does my card know when travelling to debit my lira account?

Thanks.

You don't need a lira account, just top up and let revolut do it's thing.

BKWDR · 09-01-2020 8:37am

Anyone else having issue topping up account via Google pay via the revolut app.?

The high horse brigade · 09-01-2020 9:22am

kceire wrote: »

Travelling to turkey this month and instead of getting lira I was going to top up my Revolut lira account.
That’s all fine, but I’ve never used it outside of Ireland yet, so how does my card know when travelling to debit my lira account?

Thanks.

Add Euro and spend, Revolut will do the conversion as you spend

Creamy Goodness · 09-01-2020 10:46am

kceire wrote: »

Travelling to turkey this month and instead of getting lira I was going to top up my Revolut lira account.
That’s all fine, but I’ve never used it outside of Ireland yet, so how does my card know when travelling to debit my lira account?

Thanks.

when a transaction comes in on your card Revolut will check what currency the transaction is in.

For example:
Transaction is 200 Lira.
Revolut checks your accounts to see if you have said currency account.
You have money in that account to cover the transaction.
if you do, it deducts from that account and authorises the transaction.
If you do not it goes to your default account (in our cases EUR) and does the same checks (i.e. do you have enough money to cover the account also taking into account the fx conversion).
If you do not it declines, it you do it authorises the transaction.

My advice is to avoid topping up any account for these types of transactions. Topping up an account should be if you want to specifically hold currency for frequent travel or you have subscriptions set up in another country where a fix amount gets debited i.e. Netflix/Spotify and you buy currency when the exchange is in your favour.

Top-up in EUR and then transfer to Lira if you wish (it's instant) but don't top-up in Lira directly.

Gumbo · 09-01-2020 10:56am

Cool thanks
I was planning to simply transfer from my euro account to Lira account before I went but it’s not for rate locking or anything. It was more handiness rather than having cash or using credit card of course.

So best action may just to load my euro account and spend as normal.

Creamy Goodness · 09-01-2020 11:01am

It's the best idea.

Also this may suit, if you have Apple/Google Pay on your main (funding) bank account I top-up using that per day as it's instant. that way I'm not transferring over the full amount I intend to spend (in card my Revolut card gets stolen/skimmed etc.).

Perhaps it's just me being overly cautious of these new challenger banking products.

Gumbo · 09-01-2020 11:10am

Creamy Goodness wrote: »

It's the best idea.

Also this may suit, if you have Apple/Google Pay on your main (funding) bank account I top-up using that per day as it's instant. that way I'm not transferring over the full amount I intend to spend (in card my Revolut card gets stolen/skimmed etc.).

Perhaps it's just me being overly cautious of these new challenger banking products.

That’s exactly what I already do

My main day to day is N26.

Dodge · 09-01-2020 12:04pm

Creamy Goodness wrote: »

It's the best idea.

Also this may suit, if you have Apple/Google Pay on your main (funding) bank account I top-up using that per day as it's instant. that way I'm not transferring over the full amount I intend to spend (in card my Revolut card gets stolen/skimmed etc.).

Perhaps it's just me being overly cautious of these new challenger banking products.

You don’t need Apple/google pay to top up instantly

FWIW if I’m travelling for short periods I top up with my expected budget and convert to local currency. It’s mainly for budgeting purposes but it also locks in the rate for the weekend

No right/wrong answer but revolut’s biggest positive is that it’s an excellent travel card

BowWow · 09-01-2020 9:35pm

Visiting London in a few weeks, years since there, some questions...

Use AIB Debit card or get a Revolut card?
Is AIB Debit Card "free" on contactless for London transport?

Thanks..

EverythingGood · 09-01-2020 9:39pm

BowWow wrote: »

Visiting London in a few weeks, years since there, some questions...

Use AIB Debit card or get a Revolut card?
Is AIB Debit Card "free" on contactless for London transport?

Thanks..

Revolut. No currency fees

GhostyMcGhost · 09-01-2020 10:10pm

BowWow wrote: »

Visiting London in a few weeks, years since there, some questions...

Use AIB Debit card or get a Revolut card?
Is AIB Debit Card "free" on contactless for London transport?

Thanks..

Crap exchange rate (83p vs ~85p) plus potentially lots of non euro fees on top

https://aib.ie/content/dam/aib/personal/docs/fees-and-charges/schedule-of-international-transaction-charges.pdf

Dodge · 10-01-2020 12:07am

BowWow wrote: »

Visiting London in a few weeks, years since there, some questions...

Use AIB Debit card or get a Revolut card?
Is AIB Debit Card "free" on contactless for London transport?

Thanks..

AIB charges 1.75% on the euro value of all sterling transactions (and you’ll get their crappy rate too)

There’s no minimum for contact for for chip and pin etc, the minimum is 40c. They can add up quickly if you use card a lot

Jgannon12 · 10-01-2020 7:27pm

Hi there just wondering if you can use your driving license for this? It's not working for me keeps saying unable to verify my identity

Johnny Sausage · 10-01-2020 7:54pm

Jgannon12 wrote: »

Hi there just wondering if you can use your driving license for this? It's not working for me keeps saying unable to verify my identity

Passport only now

Make sure it's valid and not expired

BobbyT28 · 11-01-2020 4:05pm

Revolut just stared asking for CVV code and need to get a code every time I need to top-up. Same happened to wife (Android & iPhone).

This happened before and stopped. Just wondering has this happened to anyone else and if you know why and how to stop it.

Bit of a pain when you want to do a quick top-up at the cashier

11-01-2020 4:09pm

Same for me this morning (Bank of Ireland, iOS).

jamesieliz · 11-01-2020 4:40pm

ReginaldSmythV wrote: »

Same for me this morning (Bank of Ireland, iOS).

And me just now , same set-up

killbillvol2 · 11-01-2020 4:40pm

Same for me now too. Pain in the hole.

CosmicFool · 11-01-2020 4:47pm

Been happening for me for the last 3 weeks

gabbo is coming · 11-01-2020 7:08pm

CosmicFool wrote: »

Been happening for me for the last 3 weeks

Hi

Does national lottery online not accept Revolut?

11-01-2020 7:09pm

gabbo is coming wrote: »

Hi

Does national lottery online not accept Revolut?

No, it has to be an Irish card.

Revolut Megathread.

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