Card or transfer?
This was with a card.
Whenever Iāve had a declined payment it usually allows me to say it was genuine - is that not being responsive?
Have you given it another go?
Correct
Yes, a couple of times. It always gets blocked.
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Throw a complaint in - they usually cough up a few free months on a premium plan or a few quid to shut you up
Also - try a virtual or physical card (such as a visa) different to your main card
Never had an issue with this - so shame that you are facing one
For a number of reasons, many of which have been aired here, Revolut just doesnāt stack up as a primary current account.
For me - the main reason is to do with Direct Debits. Iāve had issues resetting Direct Debits with the same merchant - also once with a Direct Debit under Ā£1. Nip these issues in the bud (they claim they will with a banking license - but never had any issues doing either with Dozensā¦) and Iād move the salary over. I havenāt as Iām stuck paying some direct debits from another account. I do like Dozens but if Rev got the banking license Iād probably switch over - but Iād need the DD issue resolved in tandem!
I already move Ā£1000s through it per month (rent, some bills) - but certain DDs have to be paid elsewhere presentlyā¦
I used a virtual initially. Also tried a disposable.
I donāt mind the odd transaction getting blocked - itās par for the course. But continuing to block something when youāve reviewed and confirmed it is just ridiculous. Never had an issue like this anywhere else.
And then customer service has just been uselessā¦ And the app has been buggy too with certain screens not loading.
Massive palaver!
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When I had Direct Debit issues the support was atrocious I must say. Thatās more with their external payment processing I suppose, but they lost me as a salaried customer just as I was about to initiate it. They just couldnāt resolve it and their excuses were not in line with industry standards. Iāve never had issues with bugs in the app.
Edit - I did have a buggy reward page once.
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And one thing I donāt need in a current account is that 
!!
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The inevitable has happened and Revolut is discontinuing all credit card topups from 8 July
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How long do you think Debit Card top ups will last?
In the past Iāve topped up by card and ended up transferring money elsewhere - how can this be of any use to them?
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Theyāre cheaper and donāt come with nearly the same problems, so I imagine Revolut will keep them for a while yet. Credit card topups were always unsustainable - canāt see how they could become a bank while still offering them
Iāve moved my salary over to Revolut - huzzah. It has been over 12 months since and funds were held - one of which took 5 minutes so if there is a check I hope itās akin to that. Salary is currently paid into Dozens, which Iāll still keep going and use for some things - but I didnāt want to have to move things if they came a cropper. Reassurances on a forum only go so far and Iāve gone with a bigger fish.
After a big month of spending itāll be nice to have the pay a day early - and Revolut didnāt fail me once on a long distance trip with decent sums involved. Revolut Metal also paid for itself being cheaper than my travel insurance quotes. I donāt just use it for travel, rent and all utilities in the UK go out from there - a solid proportion of my spend too.
My average balance is over Ā£100 this month and similar in most prior this month Iāve had 2k in and 3k out - Iāve had 4 figures in a vault before. My salary is less than all of these 2k (unfortunately lol)
Shouldnāt scream money launderingā¦so Iām hoping for a smooth transition next Monday - once done itāll really streamline my finances as presently I have to move money over to Revolut each month
Oooh bank logos have been added to payees on iOS
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I wouldnāt personally use it as my main account, donāt they charge atm, exchange fees, and many others? Been with Starling for years, and have no complaints, best for travelling as well.
Exchange fees over 1k - cash over Ā£200. Per month. Thatās for a standard user.
Neither of which I would tend to do more of in a month - but Iām on Metal as it paid for itself with one trip insurance wise.
Travel wise, with Starling youāre a rate taker no matter the foreign currency - with Revolut you can convert in advance with some currencies - can make a two figure difference.
Weād like to let you know that from the week of 3 October 2022, weāll be making the following changes to your [Crypto T&Cs]~):
- Weāve amended the notice period we provide you with when we make changes to our product
- There are some changes to the āRisksā section to better explain network impact incidents that may affect your cryptocurrency holdings
- Weāve made updates to the circumstances that may result in us being liable to you, as well as updates to Revolutās liability for events outside of our control
Thanks,
Team Revolut
Trying to please the regulator?
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Just wanted to revisit this thread jus to see how anyone who is using Revolut is getting on.
Ideally it would be good to know:
How is Revolut handling Direct Debits?
How does Revolut handle incoming Salary?