Using Revolut as a full account

I might be your guy…I had my salary into Revolut for 7 months and paid up to 6 direct debits out in a month at one point

Salary - no issues, no checks, came in at 5pm the working day earlier on all occasions apart from one where it came in overnight - they couldn’t explain why but on the whole pretty great. My partner gets the salary into Rev as well - no complaints at all.

DD - fine on the whole you get a notification at 11pm the working day before they are due. Downsides are that before the first one you can’t see the direct debit in your scheduled payments.

Bigger downside is that if a DD is cancelled you can’t set it back up under the same DD reference - serious issue for credit card DD’s…so a bit mixed there.

Nowadays I use it for a group bill, bit of travel, transfers as most of my payees are on there.

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Thank you, Really informative. I guess they will need to decide about fixing the direct debit reference situ before their banking license and current accounts.

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I thought that but then I heard about the Kroo situation!

Replied in the Kroo thread to keep this on topic. Interested to find out more

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To test this further I know someone having a Save as you earn scheme paid back into a Revolut account soon! Sure it’ll go smoothly as the salary goes in already.

Hi Rexx, when salary was paid in could you see it before 5pm the day before at all? Or did it just appear when available?

Kind regards phil

Just appears. Tended to be 5-6pm

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Has anyone received a warning on the app saying they’ve ‘identified excessive top-ups and transfers’ and ‘if similar behaviour continues we may need to suspend your account’?

No, but I’m aware they did such things, and can’t really fault them for that.

What were you using them for? TSB/Halifax debit card transactions? Manufactured spend on a credit card via Curve?

Yeah debit card transactions from Halifax to qualify for their monthly reward.

Get a Monese account and switch to using them for it, for a bit

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I do actually have a Monese account so I’ll try that, thanks!

That’s where we’re here for lol

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Joint accounts are live in my Revolut app