Monzo/Starling Banking/Revolut

Martynt74 · 15 Jun 2022 at 13:20

@Feek doing the classic remove the post, but not the quoted post mistake

Feek · 15 Jun 2022 at 13:40

Martynt74 said:
@Feek doing the classic remove the post, but not the quoted post mistake

In my defence...

"Deleted 39 minutes ago"
"Posted 39 minutes ago"

It must have been just as I deleted it 'cos it definitely wasn't there then, honest

Martynt74 · 15 Jun 2022 at 13:44

Haha i did spot that, but giving you the benefit of the doubt wouldn't have been as fun.

visibleman · 15 Jun 2022 at 13:45

uvarvu said:
You can earn cashback on it and if you connect it to an existing cashback card you‘ll get both rewards.

Am i right in that the cashback is only 1% for 30 days, after than you need to go to their subscription Black (10p/m) or Metal cards (15p/m)?

tom_e · 15 Jun 2022 at 13:54

visibleman said:
Am i right in that the cashback is only 1% for 30 days, after than you need to go to their subscription Black (10p/m) or Metal cards (15p/m)?

Yes, if you want cashback Chase is the better option. 1% for 12 months with no fee.

I've got my Chase card attached to my Curve account with no issues.

visibleman · 15 Jun 2022 at 14:13

tom_e said:
I've got my Chase card attached to my Curve account with no issues.

Already on the Chase train but that was my thinking with Curve but i'm not sure it's worth the hassle if it's only for 30 days - i guess it would be handy if you had a load of big purchases to make though.

uvarvu · 16 Jun 2022 at 07:56

visibleman said:
Am i right in that the cashback is only 1% for 30 days, after than you need to go to their subscription Black (10p/m) or Metal cards (15p/m)?

Ohhhhh I didn’t realise it’s limited now. I have a legacy card with permanent cash back but only with selected retailers and I can’t change them.

Syla5 · 21 Jun 2022 at 08:42

Any recommendation for a provider that doesn't charge for foreign spending. Going on holiday for the first time in years in August and really cant be arsed with the hassle of exchanging a bulk of cash when we don't know how much we might spend.

dlockers · 21 Jun 2022 at 08:50

Syla5 said:
Any recommendation for a provider that doesn't charge for foreign spending. Going on holiday for the first time in years in August and really cant be arsed with the hassle of exchanging a bulk of cash when we don't know how much we might spend.

Curve card and link it back to your credit card for pin pad expenditure
Revolut for topping up with GBP from your debit card, converting, and then withdrawing from the ATM

N.b. Curve can also link to a Debit card for cash withdrawals but I like to keep the two ideas separate as it is all too easy to accidentally withdraw cash against your credit card on Curve (which used to be cool but now they send enough data for your CC company to charge it as a cash advance).

ChrisD. · 21 Jun 2022 at 08:53

dLockers said:
Curve card and link it back to your credit card for pin pad expenditure
Revolut for topping up with GBP from your debit card, converting, and then withdrawing from the ATM

N.b. Curve can also link to a Debit card for cash withdrawals but I like to keep the two ideas separate as it is all too easy to accidentally withdraw cash against your credit card on Curve (which used to be cool but now they send enough data for your CC company to charge it as a cash advance).

Sounds complicated.

I just use my Monzo or Chase dedit card. Chase gets 1% cash back on spending. Pretty sure Starling offer it as well.

dlockers · 21 Jun 2022 at 08:58

ChrisD. said:
Sounds complicated.

I just use my Monzo or Chase dedit card. Chase gets 1% cash back on spending. Pretty sure Starling offer it as well.

It is slightly more complicated, but essentially all I am saying different to you is
1. I use Revolut instead of Monzo
2. I like to use my Credit Card (fronted by Curve).

To be honest it sounds like Chase has solved problem 1 with the added perk of 1% cashback. And an alternative is to get a Halifax Clarity Card to solve my problem 2.

Kol · 21 Jun 2022 at 09:57

Quick q. did anyone else experience issues using Curve with their Nationwide CC a few months back? It just started declining all my transactions, switching to another card no problems. I noticed a handful of people also complaining on twitter, I've not tried using it since. Usually, 9 times out of 10 I'm using Amex unless not accepted, when I'll just use my Starling/Chase accounts as there's no point me using Curve unless I'm fronting a CC.

If the problem is solved, happy days. If not, no drama.

Syla5 · 21 Jun 2022 at 10:05

dLockers said:
Curve card and link it back to your credit card for pin pad expenditure
Revolut for topping up with GBP from your debit card, converting, and then withdrawing from the ATM

N.b. Curve can also link to a Debit card for cash withdrawals but I like to keep the two ideas separate as it is all too easy to accidentally withdraw cash against your credit card on Curve (which used to be cool but now they send enough data for your CC company to charge it as a cash advance).

This does sound overly complicated for what im looking for. I previously had a Santander ZERO card which is kind of what im looking for again, just whatever the current day alternatives are.

I dont want to have to link cards to other cards and manage them this way, but its an interesting concept.

dlockers · 21 Jun 2022 at 10:24

Syla5 said:
This does sound overly complicated for what im looking for. I previously had a Santander ZERO card which is kind of what im looking for again, just whatever the current day alternatives are.

I dont want to have to link cards to other cards and manage them this way, but its an interesting concept.

Halifax Clarity if you want a new credit card that is identical to what your Santander would have done.

If you want to withdraw cash at the ATM though, you'll want a Revolut/Monzo/Curve card - otherwise you'll get charged mega interest for cash advance fees.

Honestly a Curve is the easiest way forward as it just links to your existing credit/debit card. You just need to remember to swap to your Debit card when withdrawing cash.

Syla5 · 21 Jun 2022 at 10:28

The zero card allowed cash withdrawals for free as well.

For 1-2 trips a year the curve card feels excessive, especially as it removes section 75 protection as well.

dlockers · 21 Jun 2022 at 10:29

Syla5 said:
The zero card allowed cash withdrawals for free as well.

It was a credit card so not sure how that is possible - potentially a marketing thing in that there were no FX fees but a cash advance was charged.

mid_gen · 21 Jun 2022 at 10:32

Syla5 said:
Any recommendation for a provider that doesn't charge for foreign spending. Going on holiday for the first time in years in August and really cant be arsed with the hassle of exchanging a bulk of cash when we don't know how much we might spend.

I have Euro account with Starling, and any Euro spends on my debit card come straight out of that, which is about as simple as it comes.

Syla5 · 21 Jun 2022 at 11:22

dLockers said:
It was a credit card so not sure how that is possible - potentially a marketing thing in that there were no FX fees but a cash advance was charged.

There was no fee at all, just because it was a credit card, doesnt mean it had to have fees on cash withdraws! It was a very unique product.

dlockers · 21 Jun 2022 at 11:46

Syla5 said:
There was no fee at all, just because it was a credit card, doesnt mean it had to have fees on cash withdraws! It was a very unique product.

Sounds like it. I don't know of any CC offering a similar thing. So if you want cash, take your pic -> Monzo, Stirling, Revolut, Curve. For purchases/Section 75 -> Halifax Clarity is the closest you'll get AFAIK.

Syla5 · 21 Jun 2022 at 15:54

dLockers said:
Sounds like it. I don't know of any CC offering a similar thing. So if you want cash, take your pic -> Monzo, Stirling, Revolut, Curve. For purchases/Section 75 -> Halifax Clarity is the closest you'll get AFAIK.

Just to check, am i missing something of is a Chase account almost exactly what im looking for maybe?