Monzo/Starling Banking/Revolut
- Thread starter Junglist
- Start date
Soldato
Sorry mate but I haven't had a chance since yesterday to check back. If anyone else would like one send me a msg to the email in my trust.
Caporegime
Soldato
Caporegime
In my second week of using Starling now.
The "me" side of it and the positive influence it's had on me:
First off let me say that I am absolutely awful with money. If I see something and I want it, I buy it there and then. I don't budget, I don't save, I just spend all the time. I tried doing the spreadsheet thing a couple of years ago but lost interest within a week as it was tedious to fill it in.
Enter Starling. I now put a fixed amount on it every week and that's my money. It's forcing me to consider every purchase I make and it's opened my eyes in terms of what I blow money on. Before if I was hungry I'd run to the nearest food joint and just buy whatever tickled my fancy. This would easily cost me £5-£10 every time. As an example, recently I was hungry and there was a Burger King nearby. I looked at the menu and would've eaten about £7 worth of food before, however knowing my budget I had to get crafty. I downloaded the app and stuffed my face for £3.50. I picked up a water at a supermarket nearby so I was fed and sorted for £4. That's one example of many. This week I'll be catching the bus to work instead of the tube as it's half the price.
If you, like me, suck with money then this might be what you need. Obviously there are other ways to achieve the same goal but this one clicked with me. To be my age and earn the money I do there's absolutely no excuse to reach the end of the month with a low bank balance. Obviously most people will be good with money and be taught these things from a young age but my upbringing was very different from he norm so I guess learning how to handle money was one of the things I missed out on.
On to the card and app itself:
The card is contactless obviously. I've used it everywhere I usually would a bank card and have yet to find a place that doesn't accept it or where it doesn't work. My local off licence wanted to charge me 50p for a transaction (which is illegal but that's a can of worms for another thread) thinking it was a credit card but I simply refused and he accepted it. I don't know if it incurs the same charges as a credit card, maybe someone can confirm. The app is very easy to use, shows exactly what you've spent and where. It also categorizes everything so you can see where you're spending what which is a massive help. I didn't know how much I spent on crap food until now.
Suffice to say this has changed the way I see things and I now have a considerably fatter bank account even after just two weeks.
The "me" side of it and the positive influence it's had on me:
First off let me say that I am absolutely awful with money. If I see something and I want it, I buy it there and then. I don't budget, I don't save, I just spend all the time. I tried doing the spreadsheet thing a couple of years ago but lost interest within a week as it was tedious to fill it in.
Enter Starling. I now put a fixed amount on it every week and that's my money. It's forcing me to consider every purchase I make and it's opened my eyes in terms of what I blow money on. Before if I was hungry I'd run to the nearest food joint and just buy whatever tickled my fancy. This would easily cost me £5-£10 every time. As an example, recently I was hungry and there was a Burger King nearby. I looked at the menu and would've eaten about £7 worth of food before, however knowing my budget I had to get crafty. I downloaded the app and stuffed my face for £3.50. I picked up a water at a supermarket nearby so I was fed and sorted for £4. That's one example of many. This week I'll be catching the bus to work instead of the tube as it's half the price.
If you, like me, suck with money then this might be what you need. Obviously there are other ways to achieve the same goal but this one clicked with me. To be my age and earn the money I do there's absolutely no excuse to reach the end of the month with a low bank balance. Obviously most people will be good with money and be taught these things from a young age but my upbringing was very different from he norm so I guess learning how to handle money was one of the things I missed out on.
On to the card and app itself:
The card is contactless obviously. I've used it everywhere I usually would a bank card and have yet to find a place that doesn't accept it or where it doesn't work. My local off licence wanted to charge me 50p for a transaction (which is illegal but that's a can of worms for another thread) thinking it was a credit card but I simply refused and he accepted it. I don't know if it incurs the same charges as a credit card, maybe someone can confirm. The app is very easy to use, shows exactly what you've spent and where. It also categorizes everything so you can see where you're spending what which is a massive help. I didn't know how much I spent on crap food until now.
Suffice to say this has changed the way I see things and I now have a considerably fatter bank account even after just two weeks.
Revolut currently offering first card for free till the 11th March (normally £5) - https://blog.revolut.com/how-to-order-a-free-card/
Awesome thanks, just signed up and ordered a card. This will be great for buying crypto with no fees. I have however already noticed that it's permanently trying to upsell me things and has ads so it'll be used for crypto and travel only. I despise having stuff shoved down my throat.
Got monzo the other day. Was really surprised to see the app isn't password protected in any way.
Ok you need the card pin code to transfer money anywhere... But just surprised me to see anyone can browse about your balance and transaction history if they have your unlocked phone
Ok you need the card pin code to transfer money anywhere... But just surprised me to see anyone can browse about your balance and transaction history if they have your unlocked phone
Something's not right there, I always have to enter my pin or use my thumb to unlock the app.
Associate
- Joined
- 17 Feb 2010
- Posts
- 298
Dont unlock your phone for them?
![A[L]C](/styles/overclockers/avatars/6.png){kind=avatar}
Soldato
I dont have to use authentication with starling, but I do have fingerprint screenlock on my phone
edit: actually it seems to be time linked to when I unlocked the phone - if I just unlocked it then starling doesn't request a password. However if I've left it a while unlocked then it does.
edit: actually it seems to be time linked to when I unlocked the phone - if I just unlocked it then starling doesn't request a password. However if I've left it a while unlocked then it does.
This is why I thought it was very strange. Tried it on my phone / account and my dads... Both Galaxy S8s unfortunately so not a great test
Permabanned
Anyone had this on revolut before?
Bottom 3 from russia and one from the USA....
Luckily I had no balance on it and I have frozen the card anyway.
Bottom 3 from russia and one from the USA....
Luckily I had no balance on it and I have frozen the card anyway.
Soldato
'Internat' Seems they don't even try anymore.
Permabanned
Clearly tried 20,000 rubles, then lower, then lower, see if my balance would cover it. 
Caporegime
Tinkoff Quasicash is the name of my new Black Metal band 