Thinking of getting a revolut card and canceling Internet banking.

A

Annakay

Registered User
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Sorry if this seems stupid. I'm not very knowledgeable about these things.

Over the weekend I got an email notification that I had purchased a juicer from amazon . I hadn't... I checked the order and it had my name and an address in the UK as delivery.
I immediately rang the bank and the card was put on hold. I was able to go back and cancel the order and got a refund as all of this had just happened minutes before. So they must allow a certain time to cancel. So. No money lost.

I suspect that they must have hacked my amazon account as my debit card is there in the wallet on that account. I have changed the password on that account and a new bank card is in the post.

This has made me quite anxious about the bank app on my phone.
I have a deposit account on it along with my current account .
So if they got access to my phone, all of my savings could be taken.

I'm thinking of getting rid of the banking app and just getting a revolut card.

How can I top up the card ? Can I do it from a kiosk in the bank?

Any advice welcome, thanks.
 
Hold up there! Your Amazon account has been hacked. This is very common if you have an old email and password.

There’s no evidence that your online banking has been hacked. In any case it is far harder.

Without evidence I would not worry.
 
Yes, I told the girl at the bank of my suspicions with amazon. She said it was very unusual....but I've changed my password anyway.
Would a card reader be useful I wonder? Just for extra protection. I'm not even sure what it does.!
 
I wouldn't see Revolut for anything more than dau to say small purchases. Too many stories of scammy behaviour. Max I'd keep there would be 100 quid
 
I use N26 and have disabled online purchases and purchases from foreign country.

I re-enable if I wish to purchase or when travelling abroad. It's an additional line of safety.
 
Annakay said:
I'm thinking of getting rid of the banking app and just getting a revolut card.
Click to expand...

Your Amazon account will allow you to enable multi-factor authentication (MFA) on it, which is a good idea. Even a simple SMS based step will stop all but determined hackers. Where possible, use MFA on any service provider account you create. Never allow websites to store your card details for you, as you are at the mercy of their continued vigilance. If they let their guard down in three years time, out go your bank card details. Try not to reuse passwords between service providers for the exact same reason. Password Managers will store passwords and card details for you if you want this type of convenience, or you can as noted above just type it in each time.

Amazon have a good reputation for online security. I would guess that if you used the same username and password in some other less vigilant service provider, then they were hacked and all their customers data was stolen, and the thieves have been looking around for just this kind of opportunity.

Revolut have their own banking app, which will allow you quite a fine degree of control over when and where your card is used. The downside is they have a well deserved reputation for being less helpful than high street banks when fraud does occur. All communication is via text chat on their app, and they seem pretty keen to blame the consumer. I personally only use Revolut for holding onto small enough sums that I would not stay awake at night over, and very much as an additional bank, not a replacement one.
 
Yes. Thinking about it you are right. ..I have used that password elsewhere, in the past.
They probably got it from another website.
Will change all passwords in the future , just to be safe..
 
Annakay said:
Would a card reader be useful I wonder? Just for extra protection. I'm not even sure what it does.!
Click to expand...

To answer this bit: the banks I've used (AIB, BOI) use the card reader to authorise some key steps, such as setting up a new payee, or transferring a large (> €1000) amount to someone. They do not use it for authorising routine purchases. They are also moving the functionality to their banking apps, so the days of the card reader are numbered.
 
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