Using Revolut (1 Viewer)

[jonasw19]

I have finally rediscovered my Revolut card.
It has €250 in the € section and £5 in the Sterling side.
Do funds automatically get drawn from the € side in eg a supermarket in the EU or do I have to do something technical?
Tia
Jon

 

[Figaro]

It will automatically use the euro currencey

 

[jonasw19]

It will automatically use the euro currencey

Thanks, off to try it tomorrow, after all it is free money

 

[BillyKontiki]

Hadn’t used my card since before covid had to get a new card recently, as the old one stoped working.

 

[Phill D]

The card will also take funds from one currency to the other if your purchase exceeds the funds in that currency.
Which is both useful and a pain if you bought at a good rate and inadvertently use it at a poor rate.

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[Widge]

I have finally rediscovered my Revolut card.
It has €250 in the € section and £5 in the Sterling side.
Do funds automatically get drawn from the € side in eg a supermarket in the EU or do I have to do something technical?
Tia
Jon

If i remember correctly, it will draw money in the currency you are paying in first, but if funds are not available in that currency, it will transfer funds from one of the other currencys, if available.

For instance if you spent £100 in a uk supermarket with that card, it would automatically move money from your euro account into your stirling account before paying, or at least that is how it used to work.

 

[Widge]

Oops phill beat me to it

 

[JJ]

I just exchange one currency for another on the Revolut appc on my phone.

JJ

 

[EuroTrotters]

It will automatically use the euro currencey

It will

 

[kevenh]

If i remember correctly, it will draw money in the currency you are paying in first, but if funds are not available in that currency, it will transfer funds from one of the other currencys, if available.

For instance if you spent £100 in a uk supermarket with that card, it would automatically move money from your euro account into your stirling account before paying, or at least that is how it used to work.

There isn’t an automatic transfer.
What’s automatic is the currency with enough funds is used to pay. Local first.
If you’ve £15 and €30 but try to buy something that’s £18, you’ll spend from the euro balance.
Related, with the same fund split and no auto transfer ability, if you want to buy something that is €35 that could fail. I need to check that’s still the case.

Edit: checked: https://help.revolut.com/help/card-...urrency-balance-will-be-deducted-for-spending

The revolut card can’t use more than one currency per transaction

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[Widge]

I wasn't sure if it was cleaver enough to mix and match, but in the example you gave of £18, yes it will take it all from from the euro account but convert it into sterling before it pays.

 

[Lyrick]

Reading some of the help pages from the link above I noticed that you can't link a joint bank account to your Revolut account . Does this also mean that you cannot receive payments from a joint account ?

 

[Phill D]

Reading some of the help pages from the link above I noticed that you can't link a joint bank account to your Revolut account . Does this also mean that you cannot receive payments from a joint account ?

cant agree with that our bank account is joint and it is linked to the Revolut card in my name

 

[Bailey58]

My Revolut card is also linked to Phill D's joint account. Sorry, our joint account!

Edited to show my card.

 

[Figaro]

cant agree with that our bank account is joint and it is linked to the Revolut card in my name

I have the same setup, and no problems

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[Lyrick]

https://help.revolut.com/help/trans...add-money-with-a-shared-or-joint-bank-account

This is the part that's confusing me

 

[jonasw19]

Well, that was a let down, ELeClerc refused my revolut card. I shall try somewhere else..

 

[carolyn]

My Revolut is linked to our joint account.

 

[Figaro]

Well, that was a let down, ELeClerc refused my revolut card. I shall try somewhere else..

If it's not been used for a long time it may have been deactivated by revolut.
I'm not sure how you contact them, live chat through the app maybe ?

 

[Phill D]

Well, that was a let down, ELeClerc refused my revolut card. I shall try somewhere else..

was that for fuel or in store?

common for fuel to spit it out but in store its just another card.

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[jonasw19]

Turns out the card was turned off for contactless, so I have reviewed the settings and will retry.
It was instore

 

[DT]

Have used mine for a good few weeks now in Portugal and Spain. I transfer GBP onto my card then exchange to euros checking the rate offered. Only once declined, my bad as I set up a low limit and tried to pay for fuel which took me over the limit. Once I fathomed out I uped the limit and working again. I like the instant notification you get when making a purchase, great for when it’s in my wife’s purse. Can draw a max £200 currency and use the card for transactions up to £1k per month with no fees or charges. Saved all the HSBC currency transaction fees.

 

[Widge]

Have used mine for a good few weeks now in Portugal and Spain. I transfer GBP onto my card then exchange to euros checking the rate offered. Only once declined, my bad as I set up a low limit and tried to pay for fuel which took me over the limit. Once I fathomed out I uped the limit and working again. I like the instant notification you get when making a purchase, great for when it’s in my wife’s purse. Can draw a max £200 currency and use the card for transactions up to £1k per month with no fees or charges. Saved all the HSBC currency transaction fees.

We hav has ours since 2016, we use it every month to move money from UK to france, we regularly go over the £1000, and their charges are reasonable, but avoid transferring on weekends.

 

[Minxy]

Reading some of the help pages from the link above I noticed that you can't link a joint bank account to your Revolut account . Does this also mean that you cannot receive payments from a joint account ?

You can link a debit card for a joint account, but not an actual bank account to transfer money into Revolut within Revolut itself. Instead what you have to do is pay into it from your bank account - click on 'change' next to debit card and it'll give you the info on how to fund it from a bank account.

 

[gus-lopez]

Well, that was a let down, ELeClerc refused my revolut card. I shall try somewhere else..

Or it might be that the cards had tobe renewed, I believe, and it is now blocked until renewed.

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[jonasw19]

I checked in the app. The rejected payment was noted, and a solution was proposed: either use PIN or unlock contactless payment via the app.
Done that, we shall see the result tomorrow.

 

[BillyKontiki]

I checked in the app. The rejected payment was noted, and a solution was proposed: either use PIN or unlock contactless payment via the app.
Done that, we shall see the result tomorrow.

Yeah I done that also didn’t work New card ordered but took 8 days to arrive. Good luck..

 

[jonasw19]

Fortunately the card is seldom used, the account is mainly for paying invoices in €.
If it doesn't work I may fix it when we return in early December.

 

[jonasw19]

Hooray, all working both on PIN and contactless.
Now I can move on to fretting about something else.
Thanks to all for info and help
Jon