Monzo/Starling Banking/Revolut
- Thread starter Junglist
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Soldato
- Joined
- 30 Sep 2005
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- 16,678
This is why I use revolut. I guess the site where you used the card got hacked. Imagine if you'd used a 'proper' one.
Soldato
It's 'International' but the text has been cut off, similar to the legitimate 'British Heart Foundati' payment lower down. I assume there is a maximum number of characters allowed.
Then you'd report it and get a new card
If it was a credit card then it's simply the banks money lost...
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Of course, 2 hour wait on their support though.
Cards are frozen.I used it in the USA a year ago and Portugal last summer. Never been to Russia.
Good stuff. Yeh their support is lacking but the international accounts make it a great product. If they could combine the customer service of Monzo, the UI of Starling and the features of Revolut into one product that would be great
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Anyone had any issues linking their Monzo card with PayPal? I just linked my new updated Monzo card to my account and it seems to have froze my PayPal account! I can't withdraw any funds. Phoned PayPal but the automated service they have is awful and can't actually speak to a person. Reading a few things online seems to indicate if I leave it a few days it will sort it's self out?!
@Diddums - Thanks for sharing you're experience on using a pre-paid card. I am the same as you I spend money on silly things and can't save for the life of me. So I am planning to do the same as you and stick money on my Monzo card every month and use that money instead of my main bank account.
@Diddums - Thanks for sharing you're experience on using a pre-paid card. I am the same as you I spend money on silly things and can't save for the life of me. So I am planning to do the same as you and stick money on my Monzo card every month and use that money instead of my main bank account.
This just highlights how rubbish these cards are. Had this happened whilst you were on holiday and the card had money in it the answer would have been "tough, lols" as there is so little fraud protection. It also seems the support isn't up to scratch.
Use a credit card whilst aboard and any issues like this instantly have nothing to do with you, there is no chance you will lose money and they'll often post you out a new card next day whilst aboard.
You were lucky in this instance. Had you booked a holiday for this week and popped £500 on the card it's likely it would all be gone now and you'd have no way of getting it back.
Use a credit card whilst aboard and any issues like this instantly have nothing to do with you, there is no chance you will lose money and they'll often post you out a new card next day whilst aboard.
You were lucky in this instance. Had you booked a holiday for this week and popped £500 on the card it's likely it would all be gone now and you'd have no way of getting it back.
Soldato
It's a shame virtual cards aren't a bigger thing over here, I believe they're pretty common in the US? E.g., you can generate a new virtual card number, load it with some cash, and use it to buy something from a dodgy looking site. If the card ever gets leaked it doesn't matter because there's nothing on it.
Why more banks don't support this I don't know.
Why more banks don't support this I don't know.
I don't think that's quite right, Revolut has to comply with FCA Requirements, funds are actually stored with Lloyds so you have the same level of protection as a normal high street bank account.
The money is still taken and the OP would have to fight / prove that it's fraud.
With a CC the money is the banks so there is no way the OP can lose anything.
https://community.revolut.com/t/beware-fraud-its-your-loss-not-revoluts-for-now/9670
That thread shows multiple people really having to fight to get the money back. The best outcome I can see is someone reported fraud on day 1 and had to fight and eventually got it back on day 19.
That would not be acceptable if I'd placed my holiday money in a Revolut card and was abroad when the fraud took place.
You'd have the same issue with a debit card provided with a high street bank though?
I'm not disputing what you're saying about using a CC at all, I completely agree (despite the fees for using abroad, unless you've got a Halifax Clarity CC), but there's no difference in this instance if your Natwest/Nationwide/whatever debit card had been used by someone else?
Correct - however Natwest, Nationwide and HSBC don't advertise their standard debit cards as the product to use abroad. They have specific travel products (normally credit cards) for spending in another currency. The front page of the Revolut website suggests it's the best way to spend money abroad;
Revolut said:
The way I see it;
Normal Debit Card - you'd be a moron to use this abroad, you don't have sufficient fraud protection and you are likely to be charged high fees for using it.
Normal Credit Card - you'd be a moron to use this abroad, you are likely to be charged high fees for using it.
Revolut - you'd be a moron to use this abroad, you don't have sufficient fraud protection.
Halifax Clarity / Nationwide Select - DING DING DING, we have a winner. You have suitable fraud protection and will not be charged for using your card abroad.
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They claimed it was some kind of fraudulent web transactions and to delete the card and order another.
I am aware of the pros and cons of these cards however I do really like the product.
Will have to search my history and see where it might have been compromised.
I am aware of the pros and cons of these cards however I do really like the product.
Will have to search my history and see where it might have been compromised.
I'm with Peerzy. I'd rather use a proper credit card and have the bank's money at risk than mine. My debit card only ever comes out of the wallet to get cash.
Sidenote; I'm pretty sure Visa debit cards provide the same protections as their credit cards. Obviously it's "your" money instead of the banks, but they do have their "zero liability" stuff to fall back on.
If you get a credit card with zero fees for abroad, can't see why you'd pick something like Revolut etc.
Sidenote; I'm pretty sure Visa debit cards provide the same protections as their credit cards. Obviously it's "your" money instead of the banks, but they do have their "zero liability" stuff to fall back on.
If you get a credit card with zero fees for abroad, can't see why you'd pick something like Revolut etc.
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Pros and cons, not really relevant to thread.
Just curious about any others who have had issues with the card.
Just curious about any others who have had issues with the card.
Soldato
Its not a prepaid account Starling is simply a bank account which is mobile only.
I'm guessing iso.
As android has only just got fingerprint update today. So update the app of you're on android. Then turn it on in settings if you want it.
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Soldato
Monzo have added a coinjar feature which rounds up purchases to the nearest £1 and outs the difference in a pot. All you have to do is create a pot called Coinjar.