Revolut: Send, spend and save Reviews

by Folderall

I am in Italy where this product would be a great help and convenience if it were possible to load money into the virtual card. I opened the account on May 2nd and transferred $20 to test how it works and found contactless payments to be superior to our primitive US cards which must be inserted into the payment terminals. Excellent! If there is no physical card, there is no possibility of skimming or reading the card details.
Unfortunately, it is now May 16th and I am no longer able to transfer funds into the card and the error message is that I have exceeded the limit of my card account. My debit card has a daily limit of $1500 and I have been able to transfer less than $100 since May 2nd. Customer Service is basically non-existent except for a childish chat bot which suggests I use a different (unavailable) method to top up the card.
I am offered the opportunity to upgrade to the premium version of the service but have no assurance it would would work any differently.
this app may be useful if only inside the United States but in Italy, it is simply frustrating and annoying. Even if I were back home, I would still have only the one method of topping up the card from my debit card account. I don’t actually see the point of a service that is so restrictive it can only be used upt to a limit of $100 and fails forever after. One Star is too many!

by Jesse Lasso

I’ve been using Revolut for a couple of days now, added my first card with no issue. The. Yesterday I added my second card but my bank declined it and this app app didn’t add the card to my account. Today they asked me to verify my cards and surprisingly enough they had stored credit card information for the last card that didn’t go through. I verified my first card since it’s the only one I could see and knew it was there. The second card I contacted their support team and asked them what they’ll do with that information and why they want my card details for a card that was declined and wasn’t added to Revolut and I couldn’t see it from the card section. I asked Christian the support person helping me to delete all my card details since I found it shady and instead of doing that they locked my account alongside my stored credit card details. Word of advise don’t add your cards there. if they were open he would have convinced me as why I should trust them with my data and give me reasons as to why they even store credit card details even though they’re not visible in your account

by Themagyar

I’m now we’ll into my 3rd week of trying to cancel my 1+ year old heavily used metal account. this app decided I needed to be ‘reviewed’ which they said was random, and after supplying them all the detail they requested up to and almost including what seems like the blood samples of my firstborn, they said it wasn’t enough and asked for more. At this point I’d already given enough detail to their India-based team for them to steal my identity 20x over (tax returns! Bank account details! Details on EVERY SINGLE TRANSACTION!! And on and on!) and it still wasn’t enough. So I requested they just leave me alone and let me shut down this nightmare of an account I had used for one year and about 30k in transactions. And surprise surprise, they can’t accommodate my request because ‘your account is still under review’.. EFF THESE GUYS. A warning to all— beware this company and Revolut. If you are considering using it, go to an alternative like Transferwise, whose validation / verification process is there, but far, far less intrusive I to your life and personal data. RUN AWAY..

by Study In Sweden

It sounded like a good idea. I am an American living in Sweden as a student. I never leave bad reviews. This is a first for me. I am quite frustrated. Everything seemed great at first. I got my new card fast in the mail. It was beautiful and I was able to top it up. However, I was only able to add money from a credit card. My bank would not let me add money for some reason. This meant I had to pay with my this app, then add money with my credit card, then pay off the credit card with my bank. That’s a lot of steps. Then after a couple weeks, even my credit cards would not let me add money to my this app card. I spent hours with this app, my bank, and my credit cards on the phone and virtual chat. Each of them blames the other for the problem that is related to 3D verification. No one has a solution. Now have a negative balance because the this app card is charging me for having the card even though I cannot use it. I will be canceling the account tomorrow. Maybe it works for others, but not for me and I am very unhappy with the service.

by Veponces

I got a this app account because it was recommended to me. At first I absolutely loved it. It worked smoothly. Until something went wrong. From then on it has been a total failure from their part. Back in 2018 I tried to open a personal account and business account (I work with people mainly in Europe). Initially I was put on a waiting list for both. After around 9 to 10 months, my personal account was opened. Then after a few months I noticed that the business account was finally launched in the US. So I tried to open an account and nothing worked. I kept getting the same message, “something went wrong”. I put it off since I was getting payments through my personal account. Until one of my clients was not able to find me. Since then I have been trying to resolve all the issues and have not solved one. Their customer service is absolute trash. I have spent more than 5 hours for the past 2 days trying to solve simple issues. I have decided to close my accounts. Do yourself a favor, if you have a business, open an account with PayPal!!

by Ex-workaholic

Opening an account is easy and flashy. Haviing money transferred into the account is a snap. BUT try and take your money out and it’s a whole other ballgame. I tried to transfer funds to my bank account and kept getting an error message. I succeeded to transfer 5K one day and nothing the next. After a week on chat (they have no live support) I was told that it “might be a technical problem”, that it was due to a limit but they couldn’t tell me the limit — but only that it was in place every 24 hours and finally that I can transfer 6500 but I have to wait till the last transfer went through (which takes 5 days). I asked to close my account but was told I have to have a 0 balance to do so. And their own help information says that there is no transfer limit.

It feels almost like criminal behavior as they are holding my money and not allowing me access to it in a timely manner. Apple should not facilitate this behavior where they withhold funds from unsuspecting customers. I would highly recommend not putting your money into this “bank”.

by Lluminat

This has been the worst banking experience I’ve ever had. There are a lot of really great features but lacks basic things like reliable access to your money. They lock my card at random times when getting gas in the state where I live. Super frustrating. They keep asking for verification for legit checks I’ve received and held the funds. Now they’re requiring me to verify my entire earnings this year before they lock my account. I don’t have time to continually justify myself to my bank just to use my money. Now they’re trying to charge me $20 to CLOSE MY ACCOUNT.

I highly recommend you stay away. I ignored the bad reviews thinking they were surely one offs, but they are consistent. Customer service is terrible, as many have said it feels like you’re taking to a robot reading from a script when you’re not. No way to talk on the phone.

this app could be so great but if they’re unable to be a constant hassle then they shouldn’t be in business. Maybe there are regulations or practicalities influencing how they function but it is completely unacceptable and a huge waste of time and energy.

by TheIcarusKid

Can’t understand how the rating is above 1 star. Literally the worst app I have ever used from a UX perspective and now just straight up unable to perform the functions of a bank. Having been duped in by misleading offers, I’ll be transferring all my money out today and shutting down my account. Completely outrageous and their help function is 100% useless and basically built to keep people in a useless spiral of time wasting. They Recently started returning my salary without warning and for no reason, while casually letting me know my employer would get it back within 5 days. The only reason I Started using Revolut was for the savings bonus, which turns out to be complete nonsense (there really is no bonus no matter how much you have in savings / activity on your account). In addition, they just informed me that for some reason last May, they made an insane error which resulted in credits / debits from accounts not going through. Yesterday they just casually emailed me and today I have money missing from my account, without any actual rationale / explanation-as no transactions happened on the dates they advised.

Avoid. Avoid. Avoid.

by A-over

I signed up for this app more than half a year ago. I was trying to play with it and was trying to transfer $20 but it was telling me that a $20 was exceeding my limit. I reached out to customer service and of course they never bothered to respond. I think only about a month ago they were like ‘oopsies there was an error now you can use your account’. I attempted it recently and it kept failing my transfer saying that the address didn’t match my bank address. I went to my profile and changed my address and also tried to find if there was a way to update my address for the connected account specifically. That app is definitely not intuitive at all to navigate. After a while I gave up and just used apple pay. I reached out to their customer service through the chat again today. I was waiting in line for 3 hrs, and then even though I requested help for that particular error message, I was told to clarify, which meant I had to go back to my transfer history, which I did, and then lost my connection with that agent. Tried to reconnect several times, and their chat just does not even work anymore . It’s a blank page. I’m just tired at this point. Too many errors for something that should be very simple and seamless. Creating a literal bank account took less effort than whatever this is.

by Sugarheartlife

This horrible app and business and their lack of ethics on every front has left me stranded in another country with no way to access any funds. It’s a totally nightmare and their customer support is just as bad. I signed up and ordered a card (which is supposed to be free but with shipping it was $23) and added $270 from my bank. They said the card would arrive at my destination, where I was traveling to, by November 8th. 2 days ago (November 6th) I checked the status to see where it was and there was nothing there so I messaged their support - there is no way to call this company. You can only chat with a bot! And they said it looked like the card was going to arrive on November 22nd! Which is after I depart form this location and the address where I had it sent. So today I checked again, and there was no card pending. So I chatted again with a bot and then finally with a person (again, you can’t talk to anyone on the phone) and they said they had cancelled my card order, would not give me a reason why, and still have my $270! So now I am stranded in another country with no card and no way to access my funds of any kind. And they don’t care at all. Do not use this company.

by MillionMiler17

In the few months that I have tried to use the service there have been many technical problems with the bank from verifying my identity, receiving money to sending money to how their customer service works. Sometimes it says you have to wait for a day for a response and then a person will respond in a minute and other times it says someone will be with you soon only to take a few hours for a response. Also with the technical glitches you always have to go digging for versus them being proactive about. I also have a US account but it gives its outage notifications in British Standard Time and any issues you have to report on, you need to put it in £. Maybe it’s not meant for the US market. If you are using small money values, have very simple needs and never need to contact customer service this might work for you. If you need anything else, this might not be the right platform for you. Had such high hopes based on what I had read from their UK business.

by Igrcman

I have stoped using this app. The main reason is their chargeback system. it is based od AI robot, and filling with online form. Your options to explain situations when you are complaining about transaction are limited and predefined by this app (so they know in advance all possible reasons why something happened). This leaves you to only select what they think is correct. Selecting something different will lead you to loosing your chargeback dispute. Late presented transaction by Merchants even beyond allowd days by Visa will be charged to your account. I have received such transactio. 12 days after a purchase date. Merchant was on my vacation trip, 1000 km from my place. On trip I paid merchant in cash (becouse transaction was not authorized), and If I want my goods i have to pay merchant on the spot with cash. 12 days later this app charged me as delayed transaction. This is my second bad exporience with this app, and what I hate avoit this app service is lack of human contact via email or phone number. There is no such support, only via this app App and there will be after you pass AU Robot, a person who will just blindly repeat everything what AI did before. Pointless. Think twice before you start to use this app service.

by D Valenino

I like the concept and I love the service that the card provides but when I ran out of money I tried to re-charge the card and it keeps giving me over the limit notice. Also that is the card is declined, after putting in endless hours and putting different cards so I could re-charge my revolt credit card, I have failed to get the card working again.I have tried to contact customer service and it seems that they’re nowhere to be found… I love the concept but again I tell you they have a lot to work on to get this right. I also try to pay with Apple Pay which there’s money in there and again I get a decline notice… I’m very disappointed because I had high hopes for this credit card, I will be searching for some other services...

*update It seems to me that they have updated their software and once you update for the people that are having problems I think that is resolved so I’m happy to say that my card went through and it seems like they got in their act together… I would suggest to have a live chat so people can talk to someone at an instant in today’s market but overall I’m happy to say that they are fixed and I did change my review from a one star to a four-star keep up the good work

by Jared Bethell

I signed up for the metal plan awhile back and went with this app since they were suppose to be good for traveling to different countries and the exchange between currency's! I didn’t have any issues until I had a card stolen in Mexico! Not only did they not refund the money they argued with me for many hours a day over the course of two weeks on the chat within Revolut and gave me the run around! I not only lost the card and money that was taken out of my account and was stuck in a different country without a way to pull money out of my account. They prolonged this process greatly! I do not recommend you use this bank for traveling! Also they wouldn’t give me a refund for the money I paid to be a member since they didn’t provide any of the services the membership was suppose to provide! If you have any little issues like verifying a card they blame it on there security system and give you the run around instead of helping, terrible customer service not only from the general staff but also the managers as well! I’d give them negative stars if I could! Not worth the headache especially when traveling and needing a bank that actually is there for the customer and can offer real solutions to problems that come up unexpectedly!!

by Rogercbennett

I downloaded and installed Revolut because it was recommended to me on Revolut Store, however during the sign-up process I accidentally mis-keyed one of the digits in my Social Security number. Instead of allowing me to go back to correct the error it just proceeded to the next page and would not allow me to back up and fix the error. I continued with the process hoping I could change it once I got into the finalized account and of course I was not able to do so. And of course like most companies these days there is absentee customer service - no information is listed to reach a support agent by phone or email. So I ended up just closing my account and deleting Revolut less than five minutes after I installed it. God forbid you make an error during the sign up process, because you won't be able to correct your mistake! You developers need to fix your app and the owners need to hire some support agents so you can reach someone by phone. Again, I would not recommend Revolut at all.

by Real Louie

I use to really love your company, my Metal Plan & evennorfeted 2 cards. However, in the last few months, the service went from great to terrible & you even have representatives messing with my account & fraudulrntly blocking my purchases, so you could hold onto my money. I even have screen shots i sent you guys that prove the agent was manually locking my card so my pin would work one second & the be lovked the next. I even checked my balance in the atm machine & it worked fine, went back to tmobile next door & it locked me out of spending my own $1,000! It didn’t work again until I changed the amount from $1K to $1,025 & for them to put thecrest on my other card. Talk about illegal & subversive. What kind of fiduciary are you guys at this app? Have you foxed those issues? Were you shoring up capital due to an impending buyout or even a bankruptcy? Are you actually ready for us to trust you with our $ again? After all, its our $. You are not a credit card company. 🤓

by Frenzerelly

But Revolut is riddled with issues. This far, the card has worked for me to make payments abroad and transfer cash at decent exchange rates without getting charged for additional fees like my bank will. However this morning I attempted to make a transaction online, which was initially declined by this app, thinking it was fraudulent. This I have no problems with, and rather see it this way than getting fraudulent charges. But when I acknowledge an email that it was me attempting to make this transaction, the card stays blocked, but it doesn’t tell me that. Next I have to “unfreeze” the card to allow the second attempt I made to complete, and this never happens. No matter how many times I try to “unfreeze” the card. Then I spoke with an agent, after first having to deal with an annoying chat-bot, who was very helpful but was not able to resolve my dilemma. There was also another issue with getting back in the chat with that agent after she asked me to logout of Revolut to see it this would resolve the issue, but this post would be twice as long to explain that too.

by Shalala1010

Very happy with Revolut and my account thus far. Regarding Revolut , Ive been utilizing the budgeting feature and have some notes:

If I change my budget for one month Revolut automatically changes my budget for the previous months as well. Fortunately, I’m able to personally keep track of when I do and do not stay under budget, but it would be nice if the budgeting feature took this into consideration.

Also regarding budgeting and accepting payments from friends: it would be nice if you could assign the payments from friends to say, a restaurant charge. I’ve begun avoiding paying the bill with friends because it messes up my restaurant budget in Revolut . It would be cool if I could pay for a table of four, have my three friends pay me, then assign those payments to that restaurant charge.

Revolut has all sorts of bells and whistles I don’t bother using. As the savings feature isn’t interest-bearing I don’t bother using it. I also don’t use the cryptocurrency feature since it seems pretty pointless when you can use other crypto-dedicated apps. I also don’t understand the donation feature—I just donate to organizations directly.

I really think they should just focus on making the existing tools work extremely well with what makes this app unique and interesting, rather than bloat Revolut and the service in an attempt at appealing to everyone and no one.

by KcajCousland

As an immigrant, it’s great to have a banking solution when you first come to the UK, as traditional banks will have a set of requirements a little more complex. this app allows you to have an account you can use for everything in and out of the UK in minutes, including money transfers, FX, contactless payments through physical or digital cards, online purchases, receiving salary, etc. All of this with no fees.
Additionally, you can freeze or unfreeze your cards through Revolut in seconds, making it easy to react in case you lose your physical card, or if Revolut freezes your card due to suspicious activities.

The bad part? No physical cash management. At the date of this review, this app remains a 100% online and electronic transaction based bank. This is sad because there are direct competitors to this app who DO have some ways of allowing you to deposit cash into your account.
If you have some cash you wish to deposit into your account, look elsewhere.

by James Carterr

The application is a good idea, business model and timing. The exchange rates are better than almost all competitors. However Revolut has many many bugs and issues. The application uses a third party processor to process wires. When I tried to use their wire/deposit service. Their processor declined me every single time even when my account is verified. I also had issues depositing cash in my account from a debit/credit card. It declined every time for no reason. I contacted my bank and I was told that it is not a problem on their end.

I love the application business model and idea but these issues need to be resolve first before even thinking on expanding.

by Mixora

So I set up an account about 3 weeks ago. Made an international transaction and it never arrived on the other account. I had to get in touch with customer support via chat. I asked why didn’t get informed about a transaction that is on hold even though the money is withdrawn from my account. I was told that they do not inform the customer about this. Haha. Why would you? Would requiere a level of support. 2 weeks later still under review. Haven’t reimbursed my money and the support is useless. Chatting with different persons everyday, who are requesting different information. For this you charge a fee for the account? Must be a joke. To me it seems more like fraud. Going back to more established banks.

by Mikepuerto

After waiting a year to get the account I deposit my first “top up”. It clears my bank account the following day and 2 weeks later I have yet to receive my money. I’ve reached out to support 3 times to request my money back and was told there was an issue with their “batch processing”. Well I’m a seasoned engineer and I’ve not only built payment systems but I’ve legally “audited” a few banking systems leading to the withdrawal of large sums of money... so I know how things work. I know you’re international and you’re probably still using swift even though you offer crypto accounts in other countries.... or maybe that’s it. The recent fall in XRP or some other cryptocurrency and the misappropriation of funds has you in a bind.... hhhmmmmm.... ????

by Ronniecalvin

They show a rocket ship promising they are coming soon the the Unites States. I signed up 6 months ago and they are impossible to get in contact with. Only way to communicate with them is with Revolut , but the major issue is Revolut doesn’t work yet for US citizens unless you invite other people to join and sign up for app. No email address no phone contact. This company took all the personal information a bank needs to take and then refuses to communicate. I understand US banking regulations are exhaustive and vary state to state, but they stated their goal Q1 of 2018 for their launch. I signed up at the start of the new year and it’s now June! Can’t even cancel account with them because of lack of communication on their end.

by R.brant

I downloaded Revolut months ago hoping that the wait time wouldn’t be to bad. I was waiting patiently with 53,000 people ahead of me. After four months passed and that number never changed I decided to reach out to friends and family to get my position bumped. A few friends of mine signed up and I saw my position change. I sent a final invite out to my father who signed up and nothing changed. So I am sitting here with 9,903 people a head of me, and a message that reads, “For every friend who signs up we’ll bump you up the queue by 9903 places.”

There doesn’t seem to be a way to contact support as it’s just a screen asking you to keep sharing Revolut for more people to sign up.

I’ve never seen a legitimate app that doesn’t update its users position or wait time. So this has me concerned. Along with reading other negative reviews here starting to feel like it’s easier to delete Revolut than wait for something that apparently is still going through growing pains and working out bugs.

For me, the hype has died. I’m writing to see if someone can actually do something to help out and get me using this or if I’m just going to be left in an unresponsive eternal queue.

by Ranick83

Here I thought this was going to be great, I get to use this instead of my bank account for everything I can think of and no longer have to deal with Chase bank. Then it became clear, Revolut is hard to navigate, I can’t figure out how to transfer money from my bank account into this account and while attempting to locate that information I see the choices for cards and upgrades of said account (which cost money every month) and that I get free withdraws (but only $300 per month is free, the rest is taxed at 2%) or I could pay $9.95 a month and get to withdraw $600 a month free (still being taxed on anything more). I thought it would be better but it’s just basically an entire app set up to make you feel good while costing more then a regular bank account. Change my mind

by Savi Sa

I just moved to Europe from the US, so a mobile banking app with multiple currency account options sounded pretty great. I added $10 to the card because I couldn't order a physical card without one, BUT nowhere on Revolut did it state that I needed my identity verified BEFORE making any monetary transactions. I have an American passport, I have an American driver's license, I have no European paperwork because I just moved here and am waiting for it. How does Revolut allow you to put in money but refuse to verify you, so you can USE your own money. Customer service number is 100% automated, and the "chat" automated as well. There is NOBODY to contact about this problem, my money is trapped in this app, which I no longer want, and I am unable to close the account because I can't verify myself, so I can't transfer the money out to my American bank account!! What a scam!

by Joe-92103

... weeks, WEEKS after a deposit is made because they have to verify the funds. So imagine you’re in bed on a Friday night and you get an alert that your account is limited until you can prove with a rectal exam that the money came from a valid source. You can forget privacy of any kind. Then when you provide what they want they’re closed... they’re closed when you account is limited. Weeks after the deposit and you just have to wait until they get around to responding to you. I just read another 1 star review. Similar thing. They couldn’t care less about you or your problems that THEY caused and I have the black card. My god help your soul if you have the blue card. I’m looking for another option beyond this app tomorrow. Terrible customer service. Terrible attitudes. Not worth your time, money, or aggravating experience.

by Ginamarieisabella

After the last update, I cannot open Revolut at all. I started out really liking this app, however an accumulation of different issues over time make me question if it's worth keeping around. I'm always told to invite my friends, but they've been on wait-lists very quite literally for a year and a half now. Whenever I need customer service, which I really try to avoid, they're really unhelpful and even gave me poor attitude once, creating issues that I had never inquired on and implying that I was being unreasonable when I had a simple question and asked for a simple answer. Now, Revolut doesn't even go past the first screen when I try to open it, freezing after putting in my pin. I had much higher hopes for this brand, and I'm rather disappointed as I feel that over time it keeps getting worse, and it promises more than what it can deliver on.

by Matgat4

Premium? No, thanks. Before anyone signs for premium... think twice and read on. I was a big fan and promoter of this app since the very begining, signing up many friends. After moving to another conutry i chose the premium service and black account, which worked fine till i went on a trip... leaving for 800 km long trip i took with me my revo black card to be used as primary one. I charged it as needed. Worked fine on day 1 and 2, on day 3 my balance went low and i recharged from another card... and it happened. Account got charged and locked and i was instructed to chat. Getting support took almost AN HOUR. And they could do nothing, just offered a number of excuses. Account with all money was blocked and i was left in the middle of Italy, some 400 km from home. Support was incompetent, not wishing to resolve the thing immediately, but instructing to check it in a couple of days. Now, 2 days after i am still without my funds that i placed to this app account... waiting. If i hadn’t got a backup card ... i would stay in foreign country without any money due to “sophiaticated security system” and priority black account support. My money is practically stolen and no one cared. Shame... so unless you want to experience an immediate fund shortage... i advise to check n26, monese or any other providers, that care for customers even without charging them almost 15 euros a month for a service, that is later not preforming!

by Alixeq.

Very disappointed. I was super happy to have found such app but it is such a hassle to set up. Revolut did not want to accept my billing information even though it was correct. I even went to my bank to see if it was an issue on their end but they said it was a merchant error. Tried to contact customer support, which is not very easy to find, they can only be contacted via chat. They ended up asking me for a specific document from the bank to verify the information. Thought that would solve it but my bank said they do not have such document. Then tried to chat again on Revolut but they seem to have blocked me from the chat option because every time I click on « chat with us » the page becomes blank. Tried to deactivate my account but that does not seem to work either...

by Bobirnac

I received my standard card and was going to upgrade after I would have tried it out, but could not get my account verified! It keeps telling me “Ups, cannot verify documents because they are not clear”. I tried at least 4 times using my Iphone 7 rear camera and from what I could tell after snapping the docs, image was clear!!! But nevertheless a while late sms comes with the “ups” message! What gives? What ia the alternate method to verify? How about email, where I can send the highest res image my hardware would handle...?! I give it a 2 because they priduced the card... and paid fir postage.., but running out of patience!

by VVKNY

I am one of the beta testers in US. Initially everything went well. I changed my direct deposit to this app with the hope that I would get my salary credited early. First time, it was credited early as advertised on their website. But the following paychecks were put on hold and I had to follow up with this app continuously to get the hold up lifted. Come on! Guys! It was my regular salary. If you check my previous transactions, you can verify yourself. But they took longer every time and I had to upload my salary slip to prove the authenticity of the transaction. I got tired with this repeated verification process. I said “enough with this stupidity” and went back to my old bank. this app should improve its verification process. Otherwise, it will be used as an add on bank account.

by Ci High

Revolut works great and and super user friendly - I upgraded my subscription to platinum to have the full experience and no costs involved with my transactions. Although I have tried to contact the customer support to resolve an issue about a transaction and they have not got back to me for two days.
Money issues are sensitive and customers need instant support when it comes to personal savings/funds. Unfortunately time costs money

by Peggynek

this app is great card for people who either travel a lot or buy merchandise or/and services in foreign currencies. this app offers interbank exchange rates, which are mostly the best rates available out there.

This also avoid fees charged by banks or credit companies, when you pay with their cards in foreign currency. Most US banks charge as much as 5 % of the transaction. 🙄

Try it yourself to see. Basic features are free of charge.