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Revolut

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Revolut
4.3
35 reviews

Revolut

$20
MIN. TOP-UP
More than 40
HOLDING CURRENCIES
Free for first $350 (Standard members)
ATM WITHDRAWAL

    Revolut

    $20
    MIN. TOP-UP
    More than 40
    HOLDING CURRENCIES
    Free for first $350 (Standard members)
    ATM WITHDRAWAL
Reviews (35)

4.3

35 Reviews

  • 5
    26
  • 4
    4
  • 3
    0
  • 2
    0
  • 1
    5

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exchange rate

rate revolut

transfer money

currency exchange

currency card

multi currency

credit card

atm withdrawal

card revolut

revolut app

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  • I made a couple of online & offline purchases (in FCY) with this card and it has saved me money here and there (which adds up) which i never would've thought i could be saving previously. [Features] Features were great, the exchange rate converter in the app was really handy just before making purchases. Haven't really used the expense tracker much but it's a nice thing to have i guess? I would have liked to be able to link the card with Apple Pay or be able to link a card directly to Revolut to top up though as it's a little troublesome to have to key in the details manually for online purchases or having to top up my account before making a purchase [Withdrawals] It was a painless experience and i managed to get the extra cash i needed. I'm on the free plan and the withdrawal limit is up to 350SGD. It's useful when you didn't change enough currency prior and just need that little bit more, but you probably have to go for a higher tier if you want to eliminate going to the money changer altogether. [Transparency] Rates are on the calculator feature on the app and you can choose when to make the specific purchase [Referrals] The Referral campaign they had was great as well. They're also having a cny referral campaign so do get it through a referral if you don't already have the card! Overall a really good product that i will be using and would definitely recommend
    0 comments
    2
  • Updated 2w ago

    Purchased

    Revolut

    [UI] Great UI and seamless user experience! One of the better multi currency cards options I’ve used out there!
    0 comments
    0
  • Updated 4w ago

    Purchased

    Revolut

    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. [Customer Support] 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. [Application] 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. [Transparency/Scammy] 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???? [Details] 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.
    0 comments
    0
  • Posted 4w ago

    Purchased

    Revolut

    I really enjoy the free withdrawal up to SGD350! Have tried it in Msia and true enough there isn't any additional fees on top, and i get the cash in a very good exchange rate (comparable to Google). No other MCC that I use offer this at the moment and it is a really good to have in places surrounding SG like Southeast Asian countries where cash is still king. My friend however have commented to me that he tried it in Vietnam, and the ATM impose quite a hefty fees for withdrawal making the ATM withdrawal function quite useless (disclaimer: I haven't withdraw in other countries besides Msia). The automatic exchange when doing purchases is very welcoming too (and can help to avoid orphan/leftover exchanged currencies) same like the Smart Exchange on YouTrip, and if compared to TransferWise, I'll have to convert first before I can spend to avoid additional charges. On a similar note, I can also customize my dashboard on the Revolut app to show me live exchange rate given by Revolut before I make any purchases (I really like this transparency and convenience) which is a feature not in YouTrip for comparison sake. There are many other features such as Vault and Budgeting where it will notify you if you reaching your budget limit etc, which may be very useful for those who couldn't stick to their monthly budget. I heard in the UK you can even use Revolut like a brokerage to get ETFs etc, not available in SG yet though. One last point to consider Revolut is that it lets me upload receipts of all my spending tagged nicely to the corresponding spending items in Revolut, and it is stored in the cloud for future reference. I've not had or use such easy personal finance tool before this, so this is very eye-opening. I'm just not very sure if Revolut can be used for spending in SG, as I know for sure in their T&C that the money cannot be use for ATM withdrawal in SG. It would be good if I can use Revolut in SG as well, as I really enjoy the receipt storing tool.
    0 comments
    1
  • Posted on 24 Dec 2019

    Purchased

    Revolut

    have not try using it oversea yet, but the application is fast and easy. Take about 7 days to receive the card
    0 comments
    0
Questions (59)

Recent Activity

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YouTrip

Revolut

Credit Card

Grab

Multi Currency Cards

Lifestyle

John Goh
John Goh
Level 2. Rookie
Answered 3d ago
This doesn't work anymore. as of 17th Jan 2020

Revolut

YouTrip

Credit Card

Multi Currency Cards

Grace Tan
Grace Tan
Level 2. Rookie
Answered 23h ago
I use both. :) YouTrip requires OTP only for the first few times. For Revolut, I no longer get OTPs after several top-ups - more than YouTrip, but not a hassle in time. (I assume hassle because we switch SIMs when overseas, which makes OTP tough at times.)

Promo Codes

Revolut

Junus Eu
Junus Eu
Top Contributor

Top Contributor (Dec)

Level 9. God of Wisdom
Answered on 11 Oct 2019
YES! https://revolut.com/referral/huijun6opd

Multi Currency Cards

Lifestyle

Credit Card

Revolut

Benjamin Ooi
Benjamin Ooi
Level 3. Wonderkid
Answered 3d ago
Nope. KRW is not supported for pre exchange to lock in the rates. However, it can still be used for transactions in Korea which would be automatically converted for you.

Multi Currency Cards

YouTrip

Revolut

For YouTrip, the daily transaction limit is SGD6,000. For Revolut, the limit will depend on your subscription. Here is everything about me and what I do best.

Multi Currency Cards

Revolut

YouTrip

Travel

Another option depending on timing - for Revolut; the limit is on rolling 30 days basis; you can change an amount now and provided the next billing after your op is 30 days later you should be able to squeeze in the 10k total within the limits.

UOB One Card

Revolut

YouTrip

Joan
Joan
Level 3. Wonderkid
Answered 2w ago
Nope, it doesn't count to cashback. I tried transferring to my YouTrip card from my UOB one card and it doesn't work. The updated Nov 2019 T&Cs state that 'stored valued' cards are not eligible for cashback.

Multi Currency Cards

Payments

Credit Card

YouTrip

Revolut

GrabPay Card

Wirex

TenX

Hui Wai Kit
Hui Wai Kit
Level 5. Genius
Answered 3w ago
I don't think there's a clear "best" right now, as the rates are mostly very competitive. It will come down to what you look for as additional features or perks. Currently i'm using Revolut and very happy with the ease of usage and the UIUX of the app. I'm also excited to see what GrabPay Card has in store for the future and the launch of Nium's Amaze card. If you're interested in MCCs you can check out what other users feel about the products here as well: https://seedly.sg/reviews/multi-currency-cards

SG Budget Babe

Lifestyle

Savings

Multi Currency Cards

Travel

YouTrip

TransferWise

Revolut

Choon Yuan Chan
Choon Yuan Chan
Top Contributor

Top Contributor (Dec)

Level 9. God of Wisdom
Answered on 17 Dec 2019
You trip and revolut. Revolut has a free withdrawal of an amount up to $350 make use of it. It is a MasterCard credit card and can be funded by grabpay. Revolut has the best exchange rate during weekdays Youtrip is an ez link card that can be used for transport and used for overseas purchase. During the weekends, you trip offers a more favourable rate than revolut. You trip does not allow ATM withdrawal and is a visa debit card. It can be funded by grabpay Given the above, it is strongly recommend that you sign up for these 2 so that you can reap the most benefit while overseas. Each card complements each other.

Revolut

Multi Currency Cards

Savings

This post from their FAQ may help: https://www.revolut.com/en-SG/help/exploring-revolut/sending-money/sending-money-to-a-bank-account/transferring-money-to-a-bank-account Here is everything about me and what I do best.
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This product is available to those on its waitlist as of August 2019

About Revolut

Revolut is a mobile-only platform that offers a range of financial services. Founded in 2015, Revolut believes in global spending and transfers without unnecessary exchange rates - enabling anyone to live like a local wherever they are.

Revolut Features

  • Open an account within the app in minutes
  • Built-in budgeting features within the app
  • Instant notifications for every transaction made
  • Spend in more than 150 currencies 
  • Hold up to 14 currencies within the app
  • International money transfers available in up to 27 currencies
  • Send and request money instantly
  • Recurring payments feature available within the app
  • Freeze and unfreeze your card at any time
  • Full control on account: able to turn off things like contactless, swipe and online payments and ATM withdrawals all within the app
  • Location-based security: suspicious payments will be blocked when toggled

Fees and Charges

  • Standard: Free
  • Premium: S$9.99 per month, discount if paid annually
  • Metal (coming soon): S$19.99 per month, discount if paid annually