Anatomy of a Revolut scam

Imagine that: Just got an unathorised payment, in the last few minutes, on my card for €3 (in Dublin - I'm not in Dublin)... just on revolut chat at the moment...

Almost 1.5 hours on app chat and I've been asked who did I give my card details to, was it family / friends ? Can I please check with them if they made this payment. Needless to say, I did not and the card is here next to me...
 
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@TLO - Yip, did that first, as soon as the money was gone from my account, that was done straight away. Then I moved the balance in the account into a vault (as mentioned by @Firefly earlier in the thread)

So anyway, after 2 hours, money was refunded ( was told it would take 24hrs to be evaluated & a decision made). Card is no good, so had to order a new card and that money was also refunded to me. I did get the feeling I was at fault by the language used, questions posed to me and also the same question asked a number of different ways. Mentioned that to the support-person, and there was an apology, not what was meant etc - I do think they are just following process / procedures and everyone gets these questions / responses...

So anyway - keep an eye on things !!
 
Herbie said:
One lesson for me (in the context of the Irish Times article) is to freeze your card(s) before doing anything else.

I use both Revolut and N26 (free accounts in both cases) and N26 is light years ahead in terms of chat responsiveness and competence.
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That's not entirely correct, N26 has absolutely appalling chat. The staff often do not answer queries directly and one has to repeat the question. I find N26 quite difficult to deal with. Having said that their app is excellent.
 
Connard said:
Most banks do not offer this so you would have to have multiple accounts.
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Firefly said:
I don't think they do. I'm sure it would be very popular
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the mainstream banks offer free savings/deposit accounts AFAIK if you already have your current account with them, so you could keep your money there and move it across as necessary.

on a side note, I have both Revolut and N26 - I transferred some money from one to the other and it appeared in the receiving account immediately thanks to SEPA Instant. Why don't the Irish banks support this?! I see AIB have recently removed their budgeting tool - it wasn't amazing but it was the sort of feature the online banks sell themselves on. The Irish banks rely entirely on customer inertia, they're not interested in innovating in any way.
 
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