Revolut - Ultracheap FX (prepaid Mastercard)

ppn · 19-04-2019 2:34am

Anyone know what's the latest with trying to get a standard virtual card with Revolut? Do you just order with the app and have to pay the , is it €6, shipping cost to Ireland?
Been using the virtual accounts with no issues and can't complain at all. Saved a nice few quid in changing Euro to STG.

bromley52 · 19-04-2019 7:56am

ppn wrote: »

Anyone know what's the latest with trying to get a standard virtual card with Revolut? Do you just order with the app and have to pay the , is it €6, shipping cost to Ireland?
Been using the virtual accounts with no issues and can't complain at all. Saved a nice few quid in changing Euro to STG.

If you wait they will eventually offer your a card with free delivery.
I know someone who recently signed up without knowing about the free card referral. They contacted customer care chancing their arm for a free card but no joy. About 2 week later they got a text/email offering a free card .

Wheety · 19-04-2019 9:44am

ppn wrote: »

Anyone know what's the latest with trying to get a standard virtual card with Revolut? Do you just order with the app and have to pay the , is it €6, shipping cost to Ireland?
Been using the virtual accounts with no issues and can't complain at all. Saved a nice few quid in changing Euro to STG.

Virtual card costs €6 but no shipping as it's virtual?

You might as well order a physical card though as it'll be available in the app too.

This is only for standard accounts as you can get free virtual cards with premium and metal.
If you meant physical, then bromley is correct. Just wait and you should be offered one with free shipping. Only on your first physical though.

scamalert · 19-04-2019 12:43pm

think he meant physical card just top up for 10ner, wait day or a week and you should be offered free physical card.

omerin · 19-04-2019 8:12pm

Stupid question, but just want to be sure - Sold some US shares and want to avoid being crucified on the FX by the bank, can I use my free Revolut account to transfer to the US account and exchange to Euro through the app and then transfer to my bank?

Yggr of Asgard · 19-04-2019 8:20pm

omerin wrote: »

Stupid question, but just want to be sure - Sold some US shares and want to avoid being crucified on the FX by the bank, can I use my free Revolut account to transfer to the US account and exchange to Euro through the app and then transfer to my bank?

If the US Broker you are using is allowing you to do a withdraw via SWIFT (international Wire) than yes.

If they limit to ACH or domestic wire than no, in that case look a the transferwise borderless account.

towger · 19-04-2019 9:09pm

omerin wrote: »

Stupid question, but just want to be sure - Sold some US shares and want to avoid being crucified on the FX by the bank, can I use my free Revolut account to transfer to the US account and exchange to Euro through the app and then transfer to my bank?

I’ve done so, my shares are on ETrade.

seligehgit · 20-04-2019 8:37pm

I validated my id initially via a selfie and my full passport's photo but have received no request for an id update.

Should I expect one?

I can't recall ever receiving any emails since the get go,should I be happy?:D

Or did I unsubscribe from same or need to change my settings.

Heading the US so don't want to have any issues.

jakdublin · 21-04-2019 12:41am

seligehgit wrote: »

I validated my id initially via a selfie and my full passport's photo but have received no request for an id update.

Should I expect one?

I can't recall ever receiving any emails since the get go,should I be happy?:D

Or did I unsubscribe from same or need to change my settings.

Heading the US so don't want to have any issues.

You’re grand. It’s only people who used a drivers license to validate initially that need to do it again.

RoYoBo · 21-04-2019 12:55am

jakdublin wrote: »

You’re grand. It’s only people who used a drivers license to validate initially that need to do it again.

Unfortunately, not the case. I used my full passport as validation when I first got a Revolut card and had to re-validate (with the same passport) a few weeks ago. A couple of others on this thread have also experienced the same.

Fann Linn · 21-04-2019 1:01am

seligehgit wrote: »

I validated my id initially via a selfie and my full passport's photo but have received no request for an id update.

Should I expect one?

I can't recall ever receiving any emails since the get go,should I be happy?:D

Or did I unsubscribe from same or need to change my settings.

Heading the US so don't want to have any issues.

Ye should be okay. Brexit is on hold for at least 6 months so the status quo is as it was. More of a chance of NY beating Mayo as Revolut going pear shape whilst you're over there!!

crusier · 21-04-2019 7:46pm

Fann Linn wrote:

Ye should be okay. Brexit is on hold for at least 6 months so the status quo is as it was. More of a chance of NY beating Mayo as Revolut going pear shape whilst you're over there!!

In that case I'm taking my money out!

crusier · 21-04-2019 7:46pm

Fann Linn wrote:

Ye should be okay. Brexit is on hold for at least 6 months so the status quo is as it was. More of a chance of NY beating Mayo as Revolut going pear shape whilst you're over there!!

In that case I'm taking my money out!

jakdublin · 21-04-2019 10:38pm

RoYoBo wrote: »

Unfortunately, not the case. I used my full passport as validation when I first got a Revolut card and had to re-validate (with the same passport) a few weeks ago. A couple of others on this thread have also experienced the same.

Really? That's weird. Thought it was because of the driving license. Any idea why you guys had to re-validate?

RoYoBo · 22-04-2019 12:14am

jakdublin wrote: »

Really? That's weird. Thought it was because of the driving license. Any idea why you guys had to re-validate?

No idea. I was going to ask why via the app, but reckoned it was easier and quicker just to comply. Even after validating and being accepted for a second time, I kept getting reminders and warnings by email. Just caught in a loop, I guess.

Jeff2 · 22-04-2019 12:42am

N26 don't take license as I'd.

I tried with Revolut and they don't seem to take it.

Full passport not the card but please say they except the cheaper one.

scamalert · 22-04-2019 11:33am

jakdublin wrote: »

Really? That's weird. Thought it was because of the driving license. Any idea why you guys had to re-validate?

most likely could been issue with image not being clear enough, thou they seem to had a lot of issues at the time, and unclear how validation was done, as hesitated to do mine but did it at the end in case of brexit, and got validated within 30 seconds

thou got a promt later to validate again but disappeared once clicked on it, and never showed up again.

UnknownSpecies · 24-04-2019 7:36pm

Has anyone been getting dog slow top up times on Revolut lately? Topping up with my PTSB debit card and it has taken 10-30 mins for my top ups to go through. Has stung me a couple of times now.

Soulsun · 24-04-2019 7:46pm

Is there anyway of avoiding the fees for the card

Fann Linn · 24-04-2019 7:55pm

Soulsun wrote: »

Is there anyway of avoiding the fees for the card

What fees?

Doge · 24-04-2019 8:11pm

UnknownSpecies wrote: »

Has anyone been getting dog slow top up times on Revolut lately? Topping up with my PTSB debit card and it has taken 10-30 mins for my top ups to go through. Has stung me a couple of times now.

Yep, still waiting on my AIB debit card to top up the account. And a seller is waiting on PayPal

listermint · 24-04-2019 8:13pm

UnknownSpecies wrote: »

Has anyone been getting dog slow top up times on Revolut lately? Topping up with my PTSB debit card and it has taken 10-30 mins for my top ups to go through. Has stung me a couple of times now.

Nope

Probably your bank. I've BOI. Instant

OldMrBrennan83 · 24-04-2019 8:28pm

My top up is still melting my head asking for the CVV and a verification code via SMS every time.

grimm2005 · 24-04-2019 8:47pm

Doge wrote: »

Yep, still waiting on my AIB debit card to top up the account. And a seller is waiting on PayPal

I top up using an AIB debit card via Google Pay and have never had any waiting time in several years of usage. Maybe GPay is quicker?

Kat1170 · 24-04-2019 9:28pm

Topped up with PTSB debit card twice today, was instantaneous both times.

Bought an item via Paypal three days ago. Forgot to turn on online transactions. Did it again seconds later and all seemed ok. Item has been posted and PayPal account says paid but money is still on my card.
I know it'll be taken at sometime but unusual that I've used it on PayPal twice since and the money has been taken instantly each time for the later transactions. I just keep getting excited when I look at my balance and it's e100 more than it should be.

Nigel Fairservice · 24-04-2019 9:47pm

grimm2005 wrote: »

I top up using an AIB debit card via Google Pay and have never had any waiting time in several years of usage. Maybe GPay is quicker?

I'm glad I read your post. I didn't know you could top up with Google Pay. I switched to KBC recently from Ulster Bank and every time I wanted to top up my Revolut with my KBC credit card, KBC/Mastercard said they'd sent me a text with a verification code. I never ever got the text. I'm not sure if the text was originating from KBC or Mastercard. I always ended up having to ring KBC any time I wanted to top up my Revolut card. I just added my KBC credit card to my Google Pay account there (I got verification code from KBC) and topped up successfully.

Soulsun · 24-04-2019 10:40pm

Fann Linn wrote: »

What fees?

I'm being charged €10 to get the physical card

Fann Linn · 24-04-2019 11:17pm

Soulsun wrote: »

I'm being charged €10 to get the physical card

I got mine free a few years back. I suppose its a once off fee so.

Fann Linn · 24-04-2019 11:17pm

Soulsun wrote: »

I'm being charged €10 to get the physical card

I got mine free a few years back. I suppose its a once off fee so.

dilallio · 24-04-2019 11:34pm

Soulsun wrote: »

I'm being charged €10 to get the physical card

I have some invites for a free revolut card which expire in 3 days - PM me and I'll share the code

Their conditions for a free card are:

Please note: A friend can only receive their first card for free if they have not signed up to Revolut before. For verification purposes, we require customers to top up their account with £10 (or equivalent) before ordering the free card. This is not a fee for the card and can be immediately spent with your Revolut card or transferred back to your original bank account.

msmx5 · 25-04-2019 10:21am

Soulsun wrote: »

I'm being charged €10 to get the physical card

Just wait a week or two before ordering the physical card, as was mentioned numerous times in this thread, Revolut will normally offer you a free physical card after a few weeks (if you haven't already paid for delivery - i thought standard delivery was €6.99). The €10 could be the amount they want you to top up by when opening account "For verification purposes" That will remain in your account and available to spend.

dollylama · 25-04-2019 3:21pm

Anyone having problems adding funds to their Lottery account using Revolut?

It has worked fine for months but this past 2 days I'm getting "The transaction was declined. Please contact your bank." on the lottery website .... and nothing is showing on Revolut to indicate a declined transaction. It's only €20 I'm trying to add

bromley52 · 25-04-2019 3:41pm

dollylama wrote: »

Anyone having problems adding funds to their Lottery account using Revolut?

It has worked fine for months but this past 2 days I'm getting "The transaction was declined. Please contact your bank." on the lottery website .... and nothing is showing on Revolut to indicate a declined transaction. It's only €20 I'm trying to add

I think they have launched a new feature that recognises a gambling problem

OldMrBrennan83 · 25-04-2019 3:45pm

I've never been able to add funds to my lotto with it. Ended up having to stop playing altogether.

.G. · 25-04-2019 4:52pm

Revolut at risk of losing its European banking licence.

https://www.siliconrepublic.com/companies/revolut-kremlin-lithuania-banking-license

Something to keep an eye on. I only use revolut for sterling purchases so don't keep it loaded with cash.

Marlow · 25-04-2019 6:36pm

.G. wrote: »

Revolut at risk of losing its European banking licence.

https://www.siliconrepublic.com/companies/revolut-kremlin-lithuania-banking-license

Something to keep an eye on. I only use revolut for sterling purchases so don't keep it loaded with cash.

That won't affect us really, because they also applied for an eMoney license in Luxembourg, the same as what they currently operate under in the UK.

The banking license allows them to give credit facilities. Something we don't have anyhow currently.

/M

The Haven · 25-04-2019 6:38pm

This isn't good news at all. It scares me off to be honest.

Time to withdraw and cancel the account?

I might have to open N26 or something now, to keep my non euro transaction fees down.

OldMrBrennan83 · 25-04-2019 6:41pm

The Haven wrote: »

This isn't good news at all. It scares me off to be honest.

Time to withdraw and cancel the account?

I might have to open N26 or something now, to keep my non euro transaction fees down.

N26 is a pain in the hole (for my use case anyway) as you can only top up by bank transfer so it takes days every time.

Marlow · 25-04-2019 6:50pm

OldMrBrennan83 wrote: »

N26 is a pain in the hole (for my use case anyway) as you can only top up by bank transfer so it takes days every time.

I have both Revolut Metal and N26 Business. I find Revolut the more flexible of the two, for sure ... and use it a lot more.

/M

castletownman · 25-04-2019 7:08pm

Using Revolut for the first time next weekend when I am in the UK, and hopefully will be an ideal dry-run for the US less than a fortnight later.

I have the general jist of it, but have one question. Am I better off topping up my Euro account and transfering that into Sterling (dollars) or directly topping up my sterling account via my bank card that is linked to the account?

The high horse brigade · 25-04-2019 7:10pm

castletownman wrote: »

Using Revolut for the first time next weekend when I am in the UK, and hopefully will be an ideal dry-run for the US less than a fortnight later.

I have the general jist of it, but have one question. Am I better off topping up my Euro account and transfering that into Sterling (dollars) or directly topping up my sterling account via my bank card that is linked to the account?

Top up in Euro, leave it in Euro and it will be converted as you need it (assuming your bank account is Euro)

castletownman · 25-04-2019 7:19pm

The high horse brigade wrote: »

castletownman wrote: »

Using Revolut for the first time next weekend when I am in the UK, and hopefully will be an ideal dry-run for the US less than a fortnight later.

I have the general jist of it, but have one question. Am I better off topping up my Euro account and transfering that into Sterling (dollars) or directly topping up my sterling account via my bank card that is linked to the account?

Top up in Euro, leave it in Euro and it will be converted as you need it (assuming your bank account is Euro)

Oh so I don't even have to convert it across to sterling then? So if I pre-load the card with say €200, any transactions will be made in sterling?

Thanks for your help.

OldMrBrennan83 · 25-04-2019 7:23pm

castletownman wrote: »

Oh so I don't even have to convert it across to sterling then? So if I pre-load the card with say €200, any transactions will be made in sterling?

Thanks for your help.

Yeah I withdrew from an ATM in the UK at the weekend and just selected not to do the ATM's own bank conversion (they wanted €134 for £100!!). It came off my card as €118 as it took it directly in £ and let Revolut convert.

The high horse brigade · 25-04-2019 7:27pm

castletownman wrote: »

Oh so I don't even have to convert it across to sterling then? So if I pre-load the card with say €200, any transactions will be made in sterling?

Thanks for your help.

Nope, it converts it automatically as you need it giving you the exchange rate of the day

castletownman · 25-04-2019 7:47pm

Thanks for the clarification lads.

Less hassle so

Marlow · 25-04-2019 8:11pm

The exchange rate may just be a little bit costlier on weekends, as they don't know what it will cost them on the following Monday.

So for a weekend, it makes sense to covert some of it on the Thursday or Friday ahead. Just as much as you think you need or a bit less.

It's up to you. It generally hasn't bothered me, so I never convert ahead. Always take the spot rates.

/M

CollyFlower · 25-04-2019 11:26pm

.G. wrote: »

Revolut at risk of losing its European banking licence.

https://www.siliconrepublic.com/companies/revolut-kremlin-lithuania-banking-license

Something to keep an eye on. I only use revolut for sterling purchases so don't keep it loaded with cash.

I find it strange that there's bad press about Revoult every couple of months, it makes me wonder if there is some conspiracy going on between the 'Real Banks'.

Marlow · 25-04-2019 11:30pm

CollyFlower wrote: »

I find it strange that there's bad press about Revoult every couple of months, it makes me wonder if there is some conspiracy going on between the 'Real Banks'.

It just tells you how good they are

/M

jakdublin · 26-04-2019 7:18am

I have a question and a tip. Question is about using Curve as I think there's a few Revolut users here that have a Curve card too. Does anybody know if there's a charge for using Curve in an ATM to withdraw cash via the Revolut card in Ireland? I don't think there should be, but I'm asking because I know there's a €5 charge (12c per transaction up to €5 afaik) for using the Revolut card directly.

The tip I have is using both Curve and Revolut together so you can withdraw up to €400 abroad at ATMs without incurring fees. as both have a €200 limit. Revolut counts ATM withdrawals made using your Curve card as a regular transaction. That's the reason I got Curve.

.G. · 26-04-2019 9:08am

The Haven wrote:

I might have to open N26 or something now, to keep my non euro transaction fees down.

Time to withdraw and cancel the account?

This isn't good news at all. It scares me off to be honest.

N26 have had their own issues lately with fraudulent transactions not being caught and not enough staff to keep on top of it but they are growing and will have issues, it's just something to keep an eye on.

I use both and will continue to do so for now.

Revolut - Ultracheap FX (prepaid Mastercard)

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