Basically a very scammy app experience. A very terrible one.
I am not very active in the community, but I am a real person, not a bot. So what I wrote here is true.
It seems I cannot post pic/screenshot here...so only words.
You should just pray everything goes well. If anything is wrong, their customer support can just have no reply for very very long (>20 mins and eventually no reply).
You cannot quit the chat and cannot have another agent to answer your question. Apparently you cannot contact a local agent (in SG), only online. Maybe one day, Revolut will just run away from SG and your questions remain unsolved, you even don't know what happened to your money. Can you really have trust with this app and put your money in?
R totally lost my trust after contacting Customer Support.
The sign-up process is very scammy. They put there a queue system, if you refer someone else you jump up the queue. The queue is very long and seems you will not get your card any time soon.
[Sudden proof of address]
The sign-up process is already trouble, after several days, after I put in money, the account is suddenly locked. You cannot do anything. You cannot transfer out your money, but can only contact the customer support. Why you pass my initial application process then if you need to verify my address? If anything urgent, you have to wait. No choice. You cannot do anything with your account.
They advertise that you will have an international account / UK account/ international ATM withdrawal. But NO!!!! You cannot withdraw cash in SG! It's just a YouTrip/TW - like card, not much difference. But at least, YouTrip is present in Singapore and I trust YouTrip a lot more now, for what Revolut is doing/ their Customer Support. They are really scammy and even scary.
[False information provided by the Customer Support]
Seems I cannot upload a screenshot here, but the customer support A said something, but the customer support B said it is a miscommunication. The client (me) pay for this. I am ...what??????? do you know you represent Revolut?
[No so-called "cool-down" period. Don't trust their terms and conditions!!!]
In their terms and conditions, I quote the following:
1.8 If you cancel the Metal Services anytime outside of your Cooling-Off Period and signed-up to a:
(a) monthly payment plan then your cancellation will serve as notice to pay the S$40 Monthly Plan Break Fee if you cancel within the first ten (10) months. If you cancel in month eleven (11) you will pay S$19.99 and retain your subscription for the remaining period of your 12-month payment plan. Example: If you started the Monthly Payment Plan on 1st January, you are able to give notice to cancel early and pay the S$40 Monthly Plan Break Fee on any day prior to 30th October...."
"If you paid for your Metal Subscription at the point of subscribing for the Metal Services you may withdraw within 14 days. If neither you nor anyone authorised by you to use your account has taken advantage of any Metal Services in the current Metal membership period, we will refund your Metal membership fee in full. Otherwise, we will issue you a partial refund based on use of the Metal Services during that time by you or anyone authorised by you to use your account. For the avoidance of doubt, the order and delivery of a Metal Revolut Card will be considered a Metal Service for these purposes."
It might seem that there is a difference between you cancel the service before and after 14 days (the cool-down period), say within 14 days, you pay "based on use of the Metal Services". Then after 14 days , you need to pay " S$40 Monthly Plan Break Fee"
But NO!!!!! When I cancel it within 14 days, they claim the card fee is 40 GBP (that's about 71 SGD) PLUS the delivery fee of the card (12 GBP). I am like...WTF????
So this is the details of above.
I contacted their CX and asking what if I just want the metal card and nothing else.
I quote what I texted in the chatbox to their customer support A
me:"even if I downgrade, I will just pay delivery fee? the cost of the card is 0? Can I say this?"
me:" sorry I couldn't find the relevant information online, that's why I am contacting customer support"
customer support A: "Yes, but besides the cost of the delivery fee will be charged there is going to be a charge for the services that you've used from the Premium plan"
me: "ok in case I do not use any other service, just want the card delivered. I will only be charged for the delivery fee, and the cost of the card is 0 since it's the first card. Can I say that"
customer support A: "yes"
seems ok right?
I tried my best to find out the cost, ^ this is what I got.
BUT!!! it's false info!!!!!
I cancelled this within 14 days.
Eventually, they want to charge 40 GBP + 11.99 GBP.
Customer Support B says " the cost of our regular card yes (it is 0), but not the metal one". So I must assume this card worth 40 GBP.
and for the service I use during Metal (the terrible customer support), I have to pay 40 +11.99 GBP??? well.
When I ask what is the 40 GBP for? There is no reply.
So yup, I paid the price, for the hidden information (the price of the card). Hope this review helps.