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Thread: Revolut card

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    @hibs.net private member blackpoolhibs's Avatar
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    Revolut card

    Anyone use them, looks too good to be true? I normally just use my own debit card when abroad, but the exchange rate seems better?


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    Testimonial Due Cataplana's Avatar
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    Quote Originally Posted by blackpoolhibs View Post
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    Anyone use them, looks too good to be true? I normally just use my own debit card when abroad, but the exchange rate seems better?
    It's legit, I've used it with no hassle at all. I prefer the Starling Card though.

    Using these cards you get the mid rate, as opposed to the tourist rate on transactions, you don't pay any fees for cash withdrawals and they are easy to top up.

    You get a breakdown of your spending, and I find that's a good way to keep to a budget (wife is not so keen!) It's really easy to top up your card as well.
    Last edited by Cataplana; 09-01-2020 at 02:53 PM.

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    @hibs.net private member blackpoolhibs's Avatar
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    Quote Originally Posted by Cataplana View Post
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    It's legit, I've used it with no hassle at all. I prefer the Starling Card though.

    Using these cards you get the mid rate, as opposed to the tourist rate on transactions, you don't pay any fees for cash withdrawals and they are easy to top up.

    You get a breakdown of your spending, and I find that's a good way to keep to a budget (wife is not so keen!) It's really easy to top up your card as well.
    Cheers, downloaded it and it looks fairly simple

  5. #4
    Quote Originally Posted by blackpoolhibs View Post
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    Anyone use them, looks too good to be true? I normally just use my own debit card when abroad, but the exchange rate seems better?
    Yes, they are good.

    There are also a couple of credit cards that offer zero fee use abroad and no loading on the exchange rate, which saves the hassle of topping up the balance. My Nationwide visa does this but afaik they no longer offer it on new accounts. According to MoneySavingExpert, Halifax Clarity and Santander Zero are the ones to go for.

    Make sure you pay in the local currency and don't take a £ rate offered abroad as it's always crap.

  6. #5
    @hibs.net private member Dalianwanda's Avatar
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    I use mine all the time..Great for using abroad & squirrelling away a little bit on each transaction for a rainy day.

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    Testimonial Due Cataplana's Avatar
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    Should have added, I found Money Saving Expert a very good source of information on the best cards to use abroad.

  8. #7
    @hibs.net private member wpj's Avatar
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    I use it as my main card, transfer some money monthly from my "main" card. Rarely use my bank account apart from direct debits. When I have been in EU it has been a great deal plus the vault and cashback has options can quickly add up. Recommended. I think this kind of card will start to replace existing banks. However, I am retaining my existing bank account for the foreseeable future.

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    @hibs.net private member Diclonius's Avatar
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    Metro Bank doesn't charge an exchange fee in most European countries.

  10. #9
    Incidentally, if you ever have to send money abroad, this works flawlessly and saves a packet on each transaction:

    https://transferwise.com/

  11. #10
    @hibs.net private member Bristolhibby's Avatar
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    Quote Originally Posted by Cataplana View Post
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    It's legit, I've used it with no hassle at all. I prefer the Starling Card though.

    Using these cards you get the mid rate, as opposed to the tourist rate on transactions, you don't pay any fees for cash withdrawals and they are easy to top up.

    You get a breakdown of your spending, and I find that's a good way to keep to a budget (wife is not so keen!) It's really easy to top up your card as well.
    I use Starling too. The link up with the app, and a real time translation pops up with exactly what you have spent in pounds the moment you pay for something abroad.

    Iíve used it in the Eurozone, Australia, Singapore, Albania and Israel with no problems.

    Dead easy to move money into it from your internet banking.

    J

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    Coaching Staff LancashireHibby's Avatar
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    I swear by using my Halifax Clarity card abroad, get a really good exchange rate for card transactions although you do somehow always seem to end up paying a 5p charge a month later if using a cash machine.

  13. #12
    @hibs.net private member overdrive's Avatar
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    I have a Revolut card and a Monzo card. Both are good and having both is handy to get round the max withdrawal limit if you need actual cash.

  14. #13
    @hibs.net private member StevieC's Avatar
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    I also prefer Starling
    But you know it ain't all about wealth,
    as long as you make a note to .. EXPRESS YOURSELF!

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    @hibs.net private member speedy_gonzales's Avatar
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    I've used a Santander Zero credit card for 10+ years now. There is no loading or withdrawal charges on currency with the exception of machines that charge a withdrawal fee anyway.
    As long as the balance is paid off there are no(zero) interest charges.
    They closed it to new applications for a few years but opened it up a couple of years ago so convinced my wife to go for one as well, we've now both used it many times all over Europe as well as North America.
    As for exchange rate, they use the Mastercard currency exchange rate but when I'm making a larger purchase I just check the market rates on xe.com as they are usually very close.

  16. #15
    @hibs.net private member .Louise.'s Avatar
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    Been using Revolut for a good few years now. Saved a fortune in foreign purchase fees and now no longer exchange much currency before I go. Just do it all in app.
    I know people report of having issues with it but Iíve had zero in the whole time Iíve had mine. Itís been used all across Europe, Asia and Australia. Definitely recommend it. If you know someone with one already they should be able to give you a referral link to get your card & postage free.

  17. #16
    Testimonial Due Hibby Bairn's Avatar
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    Quote Originally Posted by overdrive View Post
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    I have a Revolut card and a Monzo card. Both are good and having both is handy to get round the max withdrawal limit if you need actual cash.
    Iíve also got a Monzo account and use the card abroad with no fees. You can open an account in 5 mins using just your phone. Simple and easy.

  18. #17
    Testimonial Due Colr's Avatar
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    Quote Originally Posted by blackpoolhibs View Post
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    Anyone use them, looks too good to be true? I normally just use my own debit card when abroad, but the exchange rate seems better?
    Iíve had one for a few years. It works really well. Exchange rates are the best on offer and its easy to switch unused cash into other currencies. - useful for the more obscure ones.

  19. #18
    Testimonial Due Colr's Avatar
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    Would add that theyíre going into premiim with insurance and airport lounge pass for a fee as well. Kind of like Amex

  20. #19
    @hibs.net private member Jack's Avatar
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    I've had a revolut card for around 4 years now. They were a bit of a nightmare at the beginning as it would decline a payment if the card, phone and paypoint weren't in the same location. For example if you bought something in a chain store in Edinburgh but their transactions went through London it would be declined. Still happens but not as often.

    My card is sometimes refused by some cash machines. I'm also a little confused as to what date to use for the few free £200 cash each month.

    Having said all that I wouldn't be without abroad and I regularly use it in my local.
    Space to let

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