Revolut Megathread.

Delta2113 · 01-10-2020 11:03pm

Sheep Shagger wrote: »

Re the switching of IBANs....presumably if you are paying a regular bill by visa debit card (not a direct debit) then no change will be required.....that's how I pay my gomo bill as an example.

-99.9% no need to worry - you are actually using your visa card number for the payments which is not changing.

coylemj · 01-10-2020 11:36pm

Spocker wrote: »

You can still add more than one card:

Tap “add”, then “change” next to your first card. Scroll down now, tap “Debit or credit card” (do not change the details of the card that appears under “linked cards”!). You’re going to be presented with the form for new card details on the next screen after confirming the amount for the top-up. After a successful top-up, the new card will appear under “linked cards” next to the first one.

Cheers, sorted. The issue is that once you’ve added a new card, it still only shows one card when you click on ‘Add money’ - the last one you used. When you then click on ‘change’, it shows you all of the cards you’ve registered.

If you have only one card registered, clicking on ‘change’ takes you to the screen to register a new card. Which I mistakenly assumed was going to replace my original card.

Geuze · 01-10-2020 11:40pm

Sorry for not reading everything, but can I just check something.

I was surprised last year to see that having a Revolut account/card, means I have a UK current a/c, with sort code and account number.

This was handy, as I was due to be paid by a UK firm, and so I could give them the sort-code and account number (not IBAN), and it was like making a local payment for them, even though I am in Ireland.

Will this be gone after Dec/Jan?

-=al=- · 02-10-2020 12:31am

I presume they will have an Irish IBAN when they move from the temporary Lithuanian one, So yea, I guess it might be tricky depending on the companies Brexit policies to paying accounts outside the UK

Not sure how they will implement it or how seemlees the changeover may be, but sounds like Revolut will have an Irish IBAN soon, which means changing the deets. There will be other services and workarounds anyway I’m sure

jeffk · 02-10-2020 10:19am

Anyone else think Revolut is over sensitive

Ive to go ring sky because they tried to take the bill out of revolut and it was blocked as being suspicious.

Even if when you said its not and the payment went through or gave you the option to do it

cromelex · 02-10-2020 10:24am

jeffk wrote: »

Anyone else think Revolut is over sensitive

Ive to go ring sky because they tried to take the bill out of revolut and it was blocked as being suspicious.

Even if when you said its not and the payment went through or gave you the option to do it

I've had Deliveroo Premium being flagged as suspicious 2 or 3 times already, despite using it quite often... So yes.

Sheep Shagger · 02-10-2020 10:44am

Had ebay selling fees of €2.99 blocked the first time ebay went to take it from that account....

stockshares · 02-10-2020 11:09am

jeffk wrote: »

Anyone else think Revolut is over sensitive

Ive to go ring sky because they tried to take the bill out of revolut and it was blocked as being suspicious.

Even if when you said its not and the payment went through or gave you the option to do it

Yes

They tried to freeze my card because Mubi tried to debit it.

Revolut partner with Mubi from time to time by offering cheap subscriptions to Mubi so I found that strange

jeffk · 02-10-2020 11:24am

40 Minutes via call and messenger to be told we cant do it again, you can do it manually yourself

Beginning to think it would be better to have bills setup to get notification and then go in and pay myself, at least any of this I can pay again when unmarked as suspicious

coylemj · 02-10-2020 11:56am

Got this in an e-mail from them a few minutes ago. I emboldened the last paragraph, not sure if an application for an Irish licence was mentioned by Charlie Weston in the Indo....

On 31st December, 2020 the Brexit transition period with the EU is due to end, so we’re taking action to make sure our Irish customers are not affected when the UK leaves the EU.

In two months, we will be moving our European customers to the electronic money licence held by Revolut in Lithuania. This will ensure that your Revolut service will continue smoothly when the Brexit process is concluded. It means you’ll still be able to use all of the services and features that you love. You don’t need to do anything and we will contact you again when we have made the switch.

The great news is that we are also establishing a business in Ireland which is applying for an electronic money institution licence. Our aim is that once this business is authorised by the Central Bank of Ireland we will then migrate you to our Irish licence.

stockshares · 02-10-2020 12:02pm

Full email I got from them.

On 31st December, 2020 the Brexit transition period with the EU is due to end, so we’re taking action to make sure our Irish customers are not affected when the UK leaves the EU.

In two months, we will be moving our European customers to the electronic money licence held by Revolut in Lithuania. This will ensure that your Revolut service will continue smoothly when the Brexit process is concluded. It means you’ll still be able to use all of the services and features that you love. You don’t need to do anything and we will contact you again when we have made the switch.

The great news is that we are also establishing a business in Ireland which is applying for an electronic money institution licence. Our aim is that once this business is authorised by the Central Bank of Ireland we will then migrate you to our Irish licence.

European terms and conditions
You can read the Terms & Conditions of the Lithuanian entity that you will be transferred to here. These T&Cs are largely the same as your existing ones, with a few changes to comply with local laws. Here is a brief summary of the key changes:

The Revolut entity providing your services will be Revolut Payments UAB, an electronic money institution authorised by the Bank of Lithuania. This is the same type of licence as our UK entity (Revolut Ltd).
If you ever need to make a complaint about our Lithuanian entity’s service, you can do so through the Bank of Lithuania - a member of the European System of Central Banks - which investigates disputes between consumers and financial services companies impartially and free of charge.
The T&Cs of your account will be governed by Lithuanian law, and the Lithuanian courts will have jurisdiction to hear claims in conformity with all applicable EU laws and respecting your fundamental rights as an EU citizen. In some circumstances, as an EU citizen you may have the right to make a court claim in your own country under the laws of that country.
These Terms & Conditions will automatically apply to you once we transfer you to our Lithuanian entity.

New account details
After we've transferred you to our European entity, the International Bank Account Number (IBAN) that you currently use to receive both Euro and non-Euro currency payments will change. We’ll provide further details and support in relation to this change closer to the time.

Unhappy for any reason?
We’re confident that the migration process will result in no, or minimal, disruption to your services. However, if you'd like more information about the migration, here's a link to a helpful FAQ.

If you'd like to speak with a customer support agent or make a complaint, please get in touch with us through our in-app customer support chat. If you're still not happy with these changes, you may close your Revolut account for free by selecting your Profile icon in the Revolut app, tapping on the Settings icon, scrolling to the bottom of the page, and choosing “Close account”. You can do this at any time before the transfer, or after we transfer you to our Lithuanian entity.

Thanks for your understanding.

Team Revolut

Fingers Mcginty · 02-10-2020 12:27pm

Just wondering if anyone is seeing similar.
I was in a local hotel the other day and when I went to pay for the meal I tapped with my phone but when I checked my records I was actually charged in Sterling.
Today I went to pay for something over the phone and the girl said that Sterling came up on her terminal So I nearly got charged again in Sterling.

MiskyBoyy · 02-10-2020 12:29pm

Fingers Mcginty wrote: »

Just wondering if anyone is seeing similar.
I was in a local hotel the other day and when I went to pay for the meal I tapped with my phone but when I checked my records I was actually charged in Sterling.
Today I went to pay for something over the phone and the girl said that Sterling came up on her terminal So I nearly got charged again in Sterling.

Sometimes on their terminal, it pops up the option to charge in Sterling or Euro. Only if you have a UK coded card tho, I believe?

Fingers Mcginty · 02-10-2020 12:30pm

Fingers Mcginty wrote: »

Just wondering if anyone is seeing similar.
I was in a local hotel the other day and when I went to pay for the meal I tapped with my phone but when I checked my records I was actually charged in Sterling.
Today I went to pay for something over the phone and the girl said that Sterling came up on her terminal So I nearly got charged again in Sterling.

I had location based security switched off in the settings menu... Would that be the reason I wonder?

Fingers Mcginty · 02-10-2020 12:34pm

MiskyBoyy wrote: »

Sometimes on their terminal, it pops up the option to charge in Sterling or Euro. Only if you have a UK coded card tho, I believe?

With the hotel though it was a tap transaction
The total came to 62.50 euros ...I tapped. But I got the notification that 65 euros had been taken from my euro balance. Kind of annoying.

coylemj · 02-10-2020 1:15pm

Fingers Mcginty wrote: »

With the hotel though it was a tap transaction
The total came to 62.50 euros ...I tapped. But I got the notification that 65 euros had been taken from my euro balance. Kind of annoying.

At today's interbank rate, GBP 62.50 equates to EUR 68.94.

The currency to be used is set by the vendor, you should have been charged €62.50 regardless of where you or your card comes from. Unless you have a foreign card and you agree to let the vendor do the conversion.

stockshares · 02-10-2020 3:35pm

Does anyone know how long Revolut takes to validate cashback after purchasing.

jeffk · 02-10-2020 10:48pm

Now the first sky payment has come out and if not bounced back then revolut said get onto sky

Everytime i got a suspicious payments blocked the money never went through automatically

In future I'll say nothing and see what happens

Cameraman · 03-10-2020 3:18pm

Geuze wrote: »

Sorry for not reading everything, but can I just check something.

I was surprised last year to see that having a Revolut account/card, means I have a UK current a/c, with sort code and account number.

This was handy, as I was due to be paid by a UK firm, and so I could give them the sort-code and account number (not IBAN), and it was like making a local payment for them, even though I am in Ireland.

Will this be gone after Dec/Jan?

Yes, unfortunately. I also found it handy for the same reason for occasional payments from the UK. Also, some UK companies are not setup for SEPA transfers, so you may have to accept the payment via cheque.

Fingers Mcginty · 03-10-2020 3:43pm

This is the response straight from the horses mouth

Let me assist you with that. It seems like the terminal applied their own exchange rate here. This process is called Dynamic Currency Conversion.
Basically, merchants or even ATM providers are trying to make a profit on each transaction. When they recognise that you are using a card issued abroad or a multi-currency card, they use this opportunity to apply their own exchange rate. Of course, this happens only if you allow it while making a transaction (sometimes it is really tricky). Please remember that when you use your card for payment or withdrawal you always need to choose the option "local currency/no conversion/apply rate later" when ATM or terminal asks you. That will allow Revolut to exchange money for you or take the funds directly from the proper currency account.
Can you please tell me, was there anything on the terminal screen that suggested that the exchange would take place? Were you able to choose the currency of the transaction?

mylittlepony · 03-10-2020 4:00pm

Does Revolut accept driving licence card as I'd?
Having issues verify my identity.
My passport expire this year so want my other option.
Can't believe there no customer support.

Gooey Looey · 03-10-2020 4:25pm

mylittlepony wrote: »

Does Revolut accept driving licence card as I'd?
Having issues verify my identity.
My passport expire this year so want my other option.
Can't believe there no customer support.

No, valid passport only

flazio · 04-10-2020 12:03pm

When I try to withdraw, let's say €20, from an ATM and it gives me the option to take 20 straight or the sterling equivalent, which is usually the better option?

doney84 · 04-10-2020 12:14pm

Fingers Mcginty wrote: »

With the hotel though it was a tap transaction
The total came to 62.50 euros ...I tapped. But I got the notification that 65 euros had been taken from my euro balance. Kind of annoying.

Similar happened to me yesterday in Centra. Tapped with my phone to pay and only noticed when I left the shop the funds had been withdrawn from my sterling balance. I've paid with my phone before in the same Centra and always charged in Euro. Is this an android pay issue or what can I do to prevent it happening in the future?

TimHorton · 04-10-2020 12:16pm

flazio wrote: »

When I try to withdraw, let's say €20, from an ATM and it gives me the option to take 20 straight or the sterling equivalent, which is usually the better option?

Revolut is not for cash withdrawals, Use your regular card for that. They even say they prefer customers to stay away from cash,

msmx5 · 04-10-2020 5:00pm

doney84 wrote: »

Similar happened to me yesterday in Centra. Tapped with my phone to pay and only noticed when I left the shop the funds had been withdrawn from my sterling balance. I've paid with my phone before in the same Centra and always charged in Euro. Is this an android pay issue or what can I do to prevent it happening in the future?

This is worrying if Centra (and other?) merchants are applying DCC (Dynamic Currency Conversion) WITHOUT first getting the customers agreement.

You can be pretty sure that it is NOT Revolut responsible for this - it is the greedy merchants or whoever supplies the merchant terminals.

For more info on DCC see this link

RoYoBo · 04-10-2020 8:04pm

doney84 wrote: »

Similar happened to me yesterday in Centra. Tapped with my phone to pay and only noticed when I left the shop the funds had been withdrawn from my sterling balance. I've paid with my phone before in the same Centra and always charged in Euro. Is this an android pay issue or what can I do to prevent it happening in the future?

All you can do is stay vigilant and look carefully at any screen presented. It's one of the reasons I don't like contactless payments, since you don't get to see the hidden transaction that occurs between the scanning and the merchant until it's completed.

You can ask at the till for a euro payment only, but IME the till operators don't know what you're talking about so it's easier (and less expensive) just to use card and pin. That way you can see if it's euros or not. If there is another way that people know of, I'd be interested to hear.

Delta2113 · 05-10-2020 12:42am

Fingers Mcginty wrote: »

With the hotel though it was a tap transaction
The total came to 62.50 euros ...I tapped. But I got the notification that 65 euros had been taken from my euro balance. Kind of annoying.

Do you have round up your spare change switched on?

Delta2113 · 05-10-2020 9:43am

Another e-mail and notification looking for my Passport and a selfie. I just did it again for the third or fourth time in the last few years.

Big fan off Revolut but it show's how bad system's are. I would never get my salary paid in directly or hold a lot off money with them.

stockshares · 05-10-2020 1:35pm

https://twitter.com/RevolutApp/status/1313092824120860673?s=19

Article
It’s hard to keep track of all your subscriptions - the one you signed up for years ago and forgot to cancel, the ones that are in your App Store or Google Play, subscriptions that pop up in your bank statement every month but it takes you a minute to remember exactly who that merchant is. We get it.

That’s why we created Subscriptions - somewhere you can track every single subscription, recurring payment, or Direct Debit that goes out of your account. All you need to do is link your payments to your Revolut card, mark the payments that we haven’t automatically picked up, and you’ve taken control.

If you’re one step ahead of the game and you’re already paying for subscriptions with your Revolut card, then you’ve got the inside track on the exciting new features that are going to make managing your recurring payments even easier.

One place to rule them all ��
The biggest benefit to Subscriptions is that you can see all your recurring payments in one place. Keep track of how much money you’re spending with each merchant, so that you’re in control of your spending.

Block and unblock with a tap ✋
Because of that overview, you’ll easily be able to spot any unwanted subscriptions. We know how frustrating it is to remember you want to cancel your subscription just after that payment has gone out. With Revolut, you can block outgoing payments with a tap, any time of the month. If you change your mind, unblock the payment just as easily. After all, you’re in control.

Stay in the loop with notifications ��
Ever had your subscription blocked because a payment hasn’t gone through? Not a problem. We’ll give you a head’s up if there’s not enough money in your account to cover scheduled payments. You’ll know when each one is going out so you’ve got full control over where your money goes.

So here’s the big question...how do I get started? ��
��Make sure your app is updated to the latest version (7.19)

��Find Subscriptions in the Payments tab in the app and tap to get started

It's as easy as that. Load up your subscriptions - remember to check we haven’t missed any subscriptions from your transaction list - and you’re ready to go!

CollyFlower · 07-10-2020 11:19pm

stockshares wrote: »

https://twitter.com/RevolutApp/status/1313092824120860673?s=19

Article
It’s hard to keep track of all your subscriptions - the one you signed up for years ago and forgot to cancel, the ones that are in your App Store or Google Play, subscriptions that pop up in your bank statement every month but it takes you a minute to remember exactly who that merchant is. We get it.

That’s why we created Subscriptions - somewhere you can track every single subscription, recurring payment, or Direct Debit that goes out of your account. All you need to do is link your payments to your Revolut card, mark the payments that we haven’t automatically picked up, and you’ve taken control.

If you’re one step ahead of the game and you’re already paying for subscriptions with your Revolut card, then you’ve got the inside track on the exciting new features that are going to make managing your recurring payments even easier.

One place to rule them all ��
The biggest benefit to Subscriptions is that you can see all your recurring payments in one place. Keep track of how much money you’re spending with each merchant, so that you’re in control of your spending.

Block and unblock with a tap ✋
Because of that overview, you’ll easily be able to spot any unwanted subscriptions. We know how frustrating it is to remember you want to cancel your subscription just after that payment has gone out. With Revolut, you can block outgoing payments with a tap, any time of the month. If you change your mind, unblock the payment just as easily. After all, you’re in control.

Stay in the loop with notifications ��
Ever had your subscription blocked because a payment hasn’t gone through? Not a problem. We’ll give you a head’s up if there’s not enough money in your account to cover scheduled payments. You’ll know when each one is going out so you’ve got full control over where your money goes.

So here’s the big question...how do I get started? ��
��Make sure your app is updated to the latest version (7.19)

��Find Subscriptions in the Payments tab in the app and tap to get started

It's as easy as that. Load up your subscriptions - remember to check we haven’t missed any subscriptions from your transaction list - and you’re ready to go!

Can you set up Scheduled Payments with a regular account, or is it for premium account holders?

Delta2113 · 07-10-2020 11:43pm

Yes I have Netflix on my standard plan.

msmx5 · 08-10-2020 10:49am

CollyFlower wrote: »

Can you set up Scheduled Payments with a regular account, or is it for premium account holders?

Yes , you can set up / schedule a one off payment on a certain date and also make it recurring with options of :

Every Day
Every Week
Every Month

I have options to send the payment to a Revolut user or a Bank Account (See screenshot). I'm on the free plan.

Once scheduled you can delete the payment or deactivate it. (2nd Screenshot)

selfbuilder1 · 08-10-2020 3:01pm

Is there anyone else having issues verifying their ID? I have done this before without any issues but this time it keeps asking me to try again but doesn't tell me what the problem was. The photo of my passport and selfie were clear. I have tried 3 times last week and each time i get an email to try again. My passport has expired yesterday so i now have to renew it just for Revolut. I certainly wouldn't like to have much money in my account.

DubDJ · 08-10-2020 11:53pm

They probably rejected the passport because it was close to expiration. They require an up to date passport to use the service. Bit annoying needing to renew just for it but seems to be the rules they have

Delta2113 · 09-10-2020 1:09am

Passport needs to be valid for at least another three months when doing the verify ID on the app.
I tried again - doing another seflie and passport and it excepted.
This is the biggest negative I have with Revolut. They keep coming back maybe every year looking for you to verify identity again and then you try and the app says no. Crazy carry on.
They nearly had me uninstall the app,reboot your device and install the app again but thankfully i gave one more try.

Geuze · 09-10-2020 10:19am

Is it possible to receive small payments, say 10 euro, from dozens of people?

Assuming they all have the Revolut app, what do I do?

These people are not friends of mine, I don't have their mobile numbers.

Atlantic Dawn · 09-10-2020 10:20am

Geuze wrote: »

Is it possible to receive small payments, say 10 euro, from dozens of people?

Assuming they all have the Revolut app, what do I do?

They just need the Revolut app and your mobile number.

Geuze · 09-10-2020 10:29am

Atlantic Dawn wrote: »

They just need the Revolut app and your mobile number.

Thanks.

I do not want to give them my mobile, so this won't work.

I note a username in Revolut, in the Payments section, "@xxxxxxx", and I was thinking this could be used.................

I tried to Request via Link, and it created a URL, is that any help?

msmx5 · 09-10-2020 10:54am

Geuze wrote: »

Is it possible to receive small payments, say 10 euro, from dozens of people?

Assuming they all have the Revolut app, what do I do?

These people are not friends of mine, I don't have their mobile numbers.

Atlantic Dawn wrote: »

They just need the Revolut app and your mobile number.

madmoe · 09-10-2020 2:16pm

Hi all,
Did anyone spot the three month Stadia reward Revolut are giving? I saw it yesterday in the app!

If you sign up what is the story with using a controller? Can I pair a Nintendo Switch Pro Controller with my Galaxy S20 Ultra and away I go?

I'd love to give it a go, especially at 3 months of a trial!!

Cheers,
M

Unknownability · 10-10-2020 9:08am

Can anyone let me know if it is possible to set up a standing order from a BOI account to Revolut?

drogon. · 10-10-2020 9:39am

Anyone here actually get their cash back rewards ?

Bought something from Lifestyle sports in early sept and still nothing, looking at their support documents it claims it can take up 90 days !

Aquos76 · 10-10-2020 9:40am

Unknownability wrote: »

Can anyone let me know if it is possible to set up a standing order from a BOI account to Revolut?

Don’t see why you couldn’t, but just be aware your cure iban will be changing in the next few weeks so you would then need to set up a new one with your new iban.

Unknownability · 10-10-2020 11:56am

Aquos76 wrote: »

Don’t see why you couldn’t, but just be aware your cure iban will be changing in the next few weeks so you would then need to set up a new one with your new iban.

I'm getting a warning saying not vaild when I try and set it up same with my N26 account.

stockshares · 10-10-2020 11:58am

drogon. wrote: »

Anyone here actually get their cash back rewards ?

Bought something from Lifestyle sports in early sept and still nothing, looking at their support documents it claims it can take up 90 days !

Not yet but I only bought a week ago.

Sheep Shagger · 10-10-2020 10:43pm

Clowns at BOI have rejected a payment i made from my revolute to my credit card so they kicked back the funds saying unable to apply.....despite being able to apply 2 payments already this month.

Quackster · 10-10-2020 11:45pm

Sheep Shagger wrote: »

Clowns at BOI have rejected a payment i made from my revolute to my credit card so they kicked back the funds saying unable to apply.....despite being able to apply 2 payments already this month.

Have an AIB credit card and if you're making a payment to it from a non-Irish account, you have to use a separate specific IBAN to the IBAN for making payments from Irish accounts. Don't know why this is but maybe BOI are the same. Worth checking with them.

clintondaly · 21-10-2020 2:04pm

Any ideas,

I upgraded my account this morning to the Premium one.
After the upgrade I was offered to pick the design of a new premium card, while picking it I ended up going back to the landing page on the app and cannot see where or how I get back to complete the design etc. for the new premium card.
Any ideas ?

andrew1977 · 22-10-2020 3:08pm

Trying to help a family member out , and looking for some help from you please.

She is getting 1500 euro sent to her revolut account (standard user) and wants to transfer this into her back account.

I assume she will get hit with fees for this transfer? , how much would she have to pay and any tips to get round it if this is the case ?

Thanks a lot.

Revolut Megathread.

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