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Revolut[1] seems perfect, I cannot recommend them enough. With their premium plan you get 1% cashback on all card purchases outside the EU as well. The support

by orf 8y ago

Revolut[1] seems perfect, I cannot recommend them enough. With their premium plan you get 1% cashback on all card purchases outside the EU as well. The support is great, if your card gets cloned or something. You also can fluidly and transparently transfer between all different currencies at the interbank rate, which I find is great for travelling back home (Most of my cash is in Euros). They are really, really good. 1. https://www.revolut.com/ https://www.revolut.com/

dzek69 8y ago
Revolut is not a bank (yet). It's nice to keep small amount of money there, but I wouldn't transfer all my money to them. But yeah, they're great.
- orf 8y ago
  Yeah, good point. I get paid into Revolut and transfer most of it to another, physical bank.
joshuatalb 8y ago
Whilst I recommend Revolut, be wary of the support. My card was stolen and I noticed that there had been several transactions on it, meaning somebody had been using it. Fortunately I have the push notifications turned on so I was alerted almost instantly. When I got in touch with Revolut support, they needed a paper copy of the police report, along with several other documents from places such as ActionFraud (an organisation set up here in the UK to exclusively tackle fraud). The police report took 2 hours to file, followed by a 2 week delay by Revolut to actually verify the claim and process the refund. Now, any other “bank” I’ve been with here will always refund you the money first and then resolve later. This isn’t necessarily a criticism of Revolut, as I still use them very frequently but just a word of advice in case you’re used to the process, as I was.
- toomuchtodo 8y ago
  Wow, I can’t even comprehend that much hassle to report a card stolen. American Express will deactivate my card and overnight me a new one in 5 minutes on the phone with customer service.
  - supermatt 8y ago
    Its not just reporting it stolen - that is instantaneous with revolut (and you can do it in the app) - it is the refunding of fraudulent transactions on a stolen card that takes time.
  - tudorconstantin 8y ago
    You can deactivate any Revolut card from your mobile app instantly (don't even have to call them). What parent commenter was complaining about were the cumbersome procedures for refunds of fraudulent transactions. Given the worldwide distribution of their customers and the online only interactions with them, seem justified IMO.
  - joshuatalb 8y ago
    Reporting the card stolen is hassle-free and can be done from the app instantly. It's just the process to get the money refunded and back in my account.
  - nodesocket 8y ago
    That's why you "pay" a premium for big US credit cards and banks. Trust, and when shit hits the fan, they will/should be there. Somebody stole my Capital One card awhile back and racked up over $2,000 in charges. Capital One, instantly deactivated the card, sent me a new one, and reversed all the charges.
    - fgonzag 8y ago
      Capital one didn't eat those charges, the merchants did. They are the ones that get fucked
  - mrhappyunhappy 8y ago
    Someone got a hold of my card number with Chase. I saw several thousands worth of charges. 5 minutes with Chase support got my card deactivated, account placed into fraud moderation and all the charges reversed within a few days (the process starting immediately). I was genuinely surprised at how well Chase handles fraud.
- usaphp 8y ago
  > Now, any other “bank” I’ve been with here will always refund you the money first and then resolve later. Not with Citibank. Had money widhdrawn from atm by someone who probably copied my card, it took them 2 weeks to investigate and they only returned money after the investigation was over. And I was their customer for 15 years...Citibank is the worst bank I dealt with so far
notahacker 8y ago
One caveat about Revolut is that they do absolutely everything from topups to customer support through their mobile app. Which is great, until you want to top your card up to buy a new phone, or you have them both stolen from the same place.
robin_reala 8y ago
I’ve been a bit wary of Revolut after it turned out they were making potential job applicants engage in an MLM to secure an interview: https://twitter.com/mellino/status/1054473108936122368?s=12 https://twitter.com/mellino/status/1054473108936122368?s=12
- orf 8y ago
  That doesn't look great :/ It's not clear what the job was though. It seems it was sales related which makes it a bit better IMO.
- no1youknowz 8y ago
  That thread is funny, their twitter account which is probably run by a Z level employee tried to stick up for the company and was completely blasted by commentators and didn't respond back. Credibility. Gone.
  - hndamien 8y ago
    They also had very dodgy BTC practices from memory but I can't remember specifics.
kyriakos 8y ago
On top of that you can order multiple physical cards for free on the same account so if one gets stolen you take the next one out and keep going. Needless to say you can disable the stolen one without having to call anyone.
- orf 8y ago
  Oh yeah, I forgot to mention that. They also have single-use disposable virtual cards which is pretty handy!
  - dazc 8y ago
    They are only disposable if there are no outstanding charges. For example, try to conveniently opt out of a newspaper subscription and you may find your account is closed at no notice, as mine was.
    - tudorconstantin 8y ago
      I subscribed to a "free for one week" service using a disposable Revolut card and didn't had my account suspended, even though the service kept trying to charge my card weekly. Even funnier, I could use the free trial for about 6 months.
      - dazc 8y ago
        Well, since I received no communication from revolut, this was the only reason I could think that would lead to my account being cancelled. If there was some other reason I was not aware of then, maybe, it's less encouraging?
- dazc 8y ago
  You sure those physical cards are 'free'? They were £5 when I had an account.
sshadmand 8y ago
Love revolut. The ability to store income in multiple currencies (and transition between them easily) is great. Personal accounts are free, so it is easy to try out. It is a zero interest account for business AND they charge a fee on top of that. I think they (or someone else) could do it more intelligently (like a Robinhood) for a zero fee setup.
IWantIn 8y ago
Any similar services that let you buy stocks worldwide?

by orf 8y ago

dzek69 8y ago

Revolut is not a bank (yet). It's nice to keep small amount of money there, but I wouldn't transfer all my money to them. But yeah, they're great.

orf 8y ago
Yeah, good point. I get paid into Revolut and transfer most of it to another, physical bank.

joshuatalb 8y ago

Whilst I recommend Revolut, be wary of the support. My card was stolen and I noticed that there had been several transactions on it, meaning somebody had been using it. Fortunately I have the push notifications turned on so I was alerted almost instantly. When I got in touch with Revolut support, they needed a paper copy of the police report, along with several other documents from places such as ActionFraud (an organisation set up here in the UK to exclusively tackle fraud). The police report took 2 hours to file, followed by a 2 week delay by Revolut to actually verify the claim and process the refund. Now, any other “bank” I’ve been with here will always refund you the money first and then resolve later. This isn’t necessarily a criticism of Revolut, as I still use them very frequently but just a word of advice in case you’re used to the process, as I was.

toomuchtodo 8y ago
Wow, I can’t even comprehend that much hassle to report a card stolen. American Express will deactivate my card and overnight me a new one in 5 minutes on the phone with customer service.
- supermatt 8y ago
  Its not just reporting it stolen - that is instantaneous with revolut (and you can do it in the app) - it is the refunding of fraudulent transactions on a stolen card that takes time.
- tudorconstantin 8y ago
  You can deactivate any Revolut card from your mobile app instantly (don't even have to call them). What parent commenter was complaining about were the cumbersome procedures for refunds of fraudulent transactions. Given the worldwide distribution of their customers and the online only interactions with them, seem justified IMO.
- joshuatalb 8y ago
  Reporting the card stolen is hassle-free and can be done from the app instantly. It's just the process to get the money refunded and back in my account.
- nodesocket 8y ago
  That's why you "pay" a premium for big US credit cards and banks. Trust, and when shit hits the fan, they will/should be there. Somebody stole my Capital One card awhile back and racked up over $2,000 in charges. Capital One, instantly deactivated the card, sent me a new one, and reversed all the charges.
  - fgonzag 8y ago
    Capital one didn't eat those charges, the merchants did. They are the ones that get fucked
- mrhappyunhappy 8y ago
  Someone got a hold of my card number with Chase. I saw several thousands worth of charges. 5 minutes with Chase support got my card deactivated, account placed into fraud moderation and all the charges reversed within a few days (the process starting immediately). I was genuinely surprised at how well Chase handles fraud.
usaphp 8y ago
> Now, any other “bank” I’ve been with here will always refund you the money first and then resolve later. Not with Citibank. Had money widhdrawn from atm by someone who probably copied my card, it took them 2 weeks to investigate and they only returned money after the investigation was over. And I was their customer for 15 years...Citibank is the worst bank I dealt with so far

notahacker 8y ago

One caveat about Revolut is that they do absolutely everything from topups to customer support through their mobile app. Which is great, until you want to top your card up to buy a new phone, or you have them both stolen from the same place.

robin_reala 8y ago

I’ve been a bit wary of Revolut after it turned out they were making potential job applicants engage in an MLM to secure an interview: https://twitter.com/mellino/status/1054473108936122368?s=12 https://twitter.com/mellino/status/1054473108936122368?s=12

orf 8y ago
That doesn't look great :/ It's not clear what the job was though. It seems it was sales related which makes it a bit better IMO.
no1youknowz 8y ago
That thread is funny, their twitter account which is probably run by a Z level employee tried to stick up for the company and was completely blasted by commentators and didn't respond back. Credibility. Gone.
- hndamien 8y ago
  They also had very dodgy BTC practices from memory but I can't remember specifics.

kyriakos 8y ago

On top of that you can order multiple physical cards for free on the same account so if one gets stolen you take the next one out and keep going. Needless to say you can disable the stolen one without having to call anyone.

orf 8y ago
Oh yeah, I forgot to mention that. They also have single-use disposable virtual cards which is pretty handy!
- dazc 8y ago
  They are only disposable if there are no outstanding charges. For example, try to conveniently opt out of a newspaper subscription and you may find your account is closed at no notice, as mine was.
  - tudorconstantin 8y ago
    I subscribed to a "free for one week" service using a disposable Revolut card and didn't had my account suspended, even though the service kept trying to charge my card weekly. Even funnier, I could use the free trial for about 6 months.
    - dazc 8y ago
      Well, since I received no communication from revolut, this was the only reason I could think that would lead to my account being cancelled. If there was some other reason I was not aware of then, maybe, it's less encouraging?
dazc 8y ago
You sure those physical cards are 'free'? They were £5 when I had an account.

sshadmand 8y ago

Love revolut. The ability to store income in multiple currencies (and transition between them easily) is great. Personal accounts are free, so it is easy to try out. It is a zero interest account for business AND they charge a fee on top of that. I think they (or someone else) could do it more intelligently (like a Robinhood) for a zero fee setup.

IWantIn 8y ago

Any similar services that let you buy stocks worldwide?