5 ms·

It's even more insane because I set the limit to 200ish, so bill payments routinely give me that error message, so I didn't really think anything of it. Also,

It's even more insane because I set the limit to 200ish, so bill payments routinely give me that error message, so I didn't really think anything of it. Also, apparently the declined transaction shows up, but it takes a while. It didn't show up on my list even though I got the notification, so I thought it just doesn't show and I went to the limits to raise them.

krn 7y ago
> Also, apparently the declined transaction shows up, but it takes a while. I have had multiple times when the most recent transaction showed up only after restarting the Revolut app.
- StavrosK 7y ago
  Yeah, same. Sometimes I needed to force-close, sometimes it wouldn't even show my balance, etc. It doesn't do this too often, but often enough.
italicbold 7y ago
If you set it to 200, why did you then increase it by 1000- which is a) an insane increase and b) the perfect amount for the transaction to go through?
- Dayshine 7y ago
  Even if he'd removed the limit entirely, that doesn't show intent to allow that specific transaction through. What if he was removing it to make a completely different payment? It seems like terrible UX to not allow/require individual approve/reject on transactions that triggered the limit.
  - StavrosK 7y ago
    > It seems like terrible UX to not allow/require individual approve/reject on transactions that triggered the limit. This would have been a massive improvement, agreed. Maybe they have to make a call within a few seconds and can't ask your permission first, though, so maybe that's not possible. Still, the notification could have shown "Your transaction to MERCHANT for AMOUNT on CARD was declined because of your limit". That would have avoided this whole disaster.
    - patresh 7y ago
      It is possible. Some other banks do it exactly this way. If the transaction amount is large enough, they ask you to authenticate on their app and confirm the transaction. I suspect that by wanting to move fast they put less emphasis on the features that are more time-consuming to implement.
    - jschwartzi 7y ago
      I guess they built the transaction limit assuming that your merchant would tell you the transaction was declined, but neglected to address the case where you weren't the person hitting the transaction limit with your card.
    - zuppy 7y ago
      but this happens, I don’t know why the author said it doesn’t. i get notifcations with the merchant and the amount (that can also be seen in the app). maybe there was a temporary glitch?
      - StavrosK 7y ago
        Do you get the amount and merchant in the notification that you reached the limit? Mine doesn't (check the screenshot).
        zuppy 7y ago
        hmm, you are right. I checked and the only notifications that I'm getting with the amount and merchant is when the card is blocked (I always keep it blocked and unblock it when I need to do purchases). I had the impression that's everywhere.
- StavrosK 7y ago
  I didn't increase it, because I didn't know the transaction amount. I just set it to "off", which was the default. I also did this on a few of my cards, since I didn't know which card was hitting the limit.
johnnycab 7y ago
It didn’t even mention which card this transaction was on, just no trace. Thinking it was a recurring bill payment that’s getting declined, I started looking into my cards, disabling and re-enabling limits. I am guessing that you are the author of this blog post. For a long term user, you seem to have made a lot of assumptions and mistakes. You also seem to have a few cards on your account. I can't tell if you froze ALL of your cards, either immediately upon discovering the fraudulent event or before raising/disabling limits and then 'deal' with the rogue virtual card afterwards. Revolut is a pre-paid card. You can't expect expect the same level of protection or consumer rights, which are provided by a Credit Card or a bank registered in your jurisdiction. Regardless, you should post this in the Revolut community for more visibility and probably get an actual resolution, before jumping on the GDPR angle ─ which will fail to provide with you enough details, as most financial institutions will redact any information on fraudulent transactions ─ stating in some vague language that it is an on-going fraud/crime investigation, hence they are not allowed to discuss it etc. Good luck. https://community.revolut.com/ https://community.revolut.com/
- StavrosK 7y ago
  > For a long term user, you seem to have made a lot of assumptions and mistakes. What were they? > I can't tell if you froze ALL of your cards, either immediately upon discovering the fraudulent event or before raising/disabling limits and then 'deal' with the rogue virtual card afterwards. I froze the card the charge was made on immediately after I discovered the fraudulent transaction, yes. I didn't freeze anything before removing the limit because I didn't think it was fraud until quite a bit after I saw the large transaction go through. Initially I thought my work had used my card to book a trip for me or something similar. I didn't even imagine someone could have gotten my card details somehow.
  - jscholes 7y ago
    > Initially I thought my work had used my card to book a trip for me or something similar. I didn't even imagine someone could have gotten my card details somehow. I must be missing something here. Is sharing your card details with your workplace, so they can spend your money on your behalf, a normal thing for you (or anybody) to do? Legitimately asking here because I don't understand this at all.
disiplus 7y ago
on sixt this month i had a transaction with google pay that is connected on my revolut card. that it took 2 days to show up. even support could not see it. they kept saying the top up will ve reversed, even when it was a completely different issue.
chosenbreed37 7y ago
Out of interest don't you get any penalties for all those declined/failed payments?
- StavrosK 7y ago
  No, the card is canceled so it's not even the user's problem any more.
  - jstanley 7y ago
    He means in the ordinary case, where you regularly hit the limit before, just through legitimate transactions.
    - StavrosK 7y ago
      Oh, no, there don't seem to be any penalties. I only get a few failed transactions here and there anyway, but so far it's been 100% "legitimate transaction getting restricted", so I trained myself to raise the limit.

krn 7y ago

> Also, apparently the declined transaction shows up, but it takes a while. I have had multiple times when the most recent transaction showed up only after restarting the Revolut app.

StavrosK 7y ago
Yeah, same. Sometimes I needed to force-close, sometimes it wouldn't even show my balance, etc. It doesn't do this too often, but often enough.

italicbold 7y ago

If you set it to 200, why did you then increase it by 1000- which is a) an insane increase and b) the perfect amount for the transaction to go through?

Dayshine 7y ago
Even if he'd removed the limit entirely, that doesn't show intent to allow that specific transaction through. What if he was removing it to make a completely different payment? It seems like terrible UX to not allow/require individual approve/reject on transactions that triggered the limit.
- StavrosK 7y ago
  > It seems like terrible UX to not allow/require individual approve/reject on transactions that triggered the limit. This would have been a massive improvement, agreed. Maybe they have to make a call within a few seconds and can't ask your permission first, though, so maybe that's not possible. Still, the notification could have shown "Your transaction to MERCHANT for AMOUNT on CARD was declined because of your limit". That would have avoided this whole disaster.
  - patresh 7y ago
    It is possible. Some other banks do it exactly this way. If the transaction amount is large enough, they ask you to authenticate on their app and confirm the transaction. I suspect that by wanting to move fast they put less emphasis on the features that are more time-consuming to implement.
  - jschwartzi 7y ago
    I guess they built the transaction limit assuming that your merchant would tell you the transaction was declined, but neglected to address the case where you weren't the person hitting the transaction limit with your card.
  - zuppy 7y ago
    but this happens, I don’t know why the author said it doesn’t. i get notifcations with the merchant and the amount (that can also be seen in the app). maybe there was a temporary glitch?
    - StavrosK 7y ago
      Do you get the amount and merchant in the notification that you reached the limit? Mine doesn't (check the screenshot).
      - zuppy 7y ago
        hmm, you are right. I checked and the only notifications that I'm getting with the amount and merchant is when the card is blocked (I always keep it blocked and unblock it when I need to do purchases). I had the impression that's everywhere.
StavrosK 7y ago
I didn't increase it, because I didn't know the transaction amount. I just set it to "off", which was the default. I also did this on a few of my cards, since I didn't know which card was hitting the limit.

johnnycab 7y ago

It didn’t even mention which card this transaction was on, just no trace. Thinking it was a recurring bill payment that’s getting declined, I started looking into my cards, disabling and re-enabling limits. I am guessing that you are the author of this blog post. For a long term user, you seem to have made a lot of assumptions and mistakes. You also seem to have a few cards on your account. I can't tell if you froze ALL of your cards, either immediately upon discovering the fraudulent event or before raising/disabling limits and then 'deal' with the rogue virtual card afterwards. Revolut is a pre-paid card. You can't expect expect the same level of protection or consumer rights, which are provided by a Credit Card or a bank registered in your jurisdiction. Regardless, you should post this in the Revolut community for more visibility and probably get an actual resolution, before jumping on the GDPR angle ─ which will fail to provide with you enough details, as most financial institutions will redact any information on fraudulent transactions ─ stating in some vague language that it is an on-going fraud/crime investigation, hence they are not allowed to discuss it etc. Good luck. https://community.revolut.com/ https://community.revolut.com/

StavrosK 7y ago
> For a long term user, you seem to have made a lot of assumptions and mistakes. What were they? > I can't tell if you froze ALL of your cards, either immediately upon discovering the fraudulent event or before raising/disabling limits and then 'deal' with the rogue virtual card afterwards. I froze the card the charge was made on immediately after I discovered the fraudulent transaction, yes. I didn't freeze anything before removing the limit because I didn't think it was fraud until quite a bit after I saw the large transaction go through. Initially I thought my work had used my card to book a trip for me or something similar. I didn't even imagine someone could have gotten my card details somehow.
- jscholes 7y ago
  > Initially I thought my work had used my card to book a trip for me or something similar. I didn't even imagine someone could have gotten my card details somehow. I must be missing something here. Is sharing your card details with your workplace, so they can spend your money on your behalf, a normal thing for you (or anybody) to do? Legitimately asking here because I don't understand this at all.

disiplus 7y ago

on sixt this month i had a transaction with google pay that is connected on my revolut card. that it took 2 days to show up. even support could not see it. they kept saying the top up will ve reversed, even when it was a completely different issue.

chosenbreed37 7y ago

Out of interest don't you get any penalties for all those declined/failed payments?

StavrosK 7y ago
No, the card is canceled so it's not even the user's problem any more.
- jstanley 7y ago
  He means in the ordinary case, where you regularly hit the limit before, just through legitimate transactions.
  - StavrosK 7y ago
    Oh, no, there don't seem to be any penalties. I only get a few failed transactions here and there anyway, but so far it's been 100% "legitimate transaction getting restricted", so I trained myself to raise the limit.