Revolut pre-paid Mastercard

NiftyDigits

Luten wrote: »

I can understand the sentiment even if the current changes don't affect someone. If the company lied once, they will most likely do it again.

Nonsense. Perhaps financial constraints forced their hand.
Would you prefer that they collapsed and went out of business, affecting all or introduced some conditions which allowed the business to continue and still benefit the majority of it's users?

This is business, not your relationship with your partner. Finance dictates. It's not about love and devotion.

You can easily remove your money if uncomfortable. Personally, it doesn't affect me as I don't use that much cash in the USA and Europe, as often you can pay by card...and I don't depend on just one card anyway.
So perhaps just keep it in your arsenal, instead of seeing it as some magic catch all solution.
One needs to be able to adapt in our ever changing world. It's still a good product. Just not as good as it used to be.

fat_frank

NiftyDigits wrote: »

fat frank....whilst cash is king in Thailand, you still have the option to use other cards over the bank counter. Halifax Clarity being one such animal. That way you avoid their usurious ATM fees. Some prepaid cards also work in the same way.

Hi NiftyDigits Clarity (or any other credit card) is not an option for me and many banks will not take a debit card for an over the counter withdrawal, but it is not the Thai fees that are usurious it is the UK banks e.g. 30,000 Baht withdrawal from TMB ATM 180 Baht fee = 0.6% my own bank 6.5%.

armistice

What I don't get is this atm limit thing. I previously posted suggesting an annual limit would be fairer.

My assumption was that they were introducing the charge because they themselves were incurring significant costs above what they expected from people withdrawing from atm's however I'm no longer sure this is the case.

For example WeSwap only charge for ATM if you withdraw less than $300 at a time while still offering perfect exchange rates.

NiftyDigits

fat_frank wrote: »

Hi NiftyDigits Clarity (or any other credit card) is not an option for me and many banks will not take a debit card for an over the counter withdrawal, but it is not the Thai fees that are usurious it is the UK banks e.g. 30,000 Baht withdrawal from TMB ATM 180 Baht fee = 0.6% my own bank 6.5%.

You are wrong...it is the Thai fees. You are just using the wrong plastic. See your private messages.

NiftyDigits

armistice wrote: »

What I don't get is this atm limit thing. I previously posted suggesting an annual limit would be fairer.

My assumption was that they were introducing the charge because they themselves were incurring significant costs above what they expected from people withdrawing from atm's however I'm no longer sure this is the case.

For example WeSwap only charge for ATM if you withdraw less than $300 at a time while still offering perfect exchange rates.

Are you are making this up as you go along.

We always use the perfect mid-market exchange rate, and people on WeSwap pay just 1%

In reality between 1% and 1.4%.

So is it the 'perfect exchange rate' or the 'perfect exchange rate' minus 1.4%? Do you know?

makingsure

Currently in Vietnam. My husbands card has worked for the most part and when it does it's good. HOWEVER, when a transaction at the ATM is unsuccessful ie you maybe inadvertently try to withdraw more than that bank allows (in this case only £37 per transaction!!) it registers as having been withdrawn and becomes a pending transaction. The bank either has to reverse this or you have to wait 10 days. My card has been a pain in the proverbial from the start. Problems with PIN even though entered correctly. Unblocked twice and told to go to ATM check balance which will be unsupported then withdraw an amount which probably won't work, retry and it should work. Followed this instruction twice and now have 2 pending transactions debited when no money withdrawn. Over £100 between my husband and I now pending and we have no idea if we will get it back. Support from Revolt has been very poor. Over 48 hours to respond. Really unimpressed and won't be relying on Resolt again unless they resolve all these glitches!

armistice

NiftyDigits wrote: »

Are you are making this up as you go along.

In reality between 1% and 1.4%.

So is it the 'perfect exchange rate' or the 'perfect exchange rate' minus 1.4%? Do you know?

To quote Moneysaving expert:- Perfect exchange rates for 12mths, plus £10 currency bonus

http://www.moneysavingexpert.com/credit-cards/prepaid-travel-cards#weswapeurodollar

callum9999

NiftyDigits wrote: »

Have you some kind of mental aberration?

First of all, photome wanted an option wherein he could lock-in the US$ rate now, in case of further deterioration. Do you have a better option?

Inside joke? It is as clear as day....if photome is going to a casino...chances are he is going to be chucking his money away anyway, so why worry about it.

After the obvious joke....I suggested that he might avoid this if he were able to withdraw over the counter.

As to my recommendation of Revolut in this case, I refer you to the words in bold.

How does humble pie taste exactly?

Next time, read the OP before making yourself look silly.

Yes, though I don't see the relevance.

First of all, photome was CONSIDERING an option in which they can lock-in the US$ rate now. Do I have a better way of doing so? No. Did I say I did? No. Is some kind of mental aberration causing you to think I did?

It wasn't clear as day at all that it was a joke as you write many posts in an aggressive manner (case in point...) - in fact you're one of the main reasons I stopped using the site a while ago. While I believe this is the first time you've attacked me personally, it created a rather less amiable atmosphere.

I also didn't say your recommendation of Revolut in this case, I said recommending it to people in general. You often decide it's the best option for someone then throw a hissy fit and call them names if they don't agree (again, case in point). Perhaps you should read the post properly next time if you want to act in such a way.

NiftyDigits

armistice wrote: »

To quote Moneysaving expert:- Perfect exchange rates for 12mths, plus £10 currency bonus

http://www.moneysavingexpert.com/credit-cards/prepaid-travel-cards#weswapeurodollar

Didn't know about the referral link. That makes it more attractive. Though there are still a few caveats apart from the ones already mentioned.

As well as euros, US dollars and pounds, you can also swap cash into 13 other currencies. But, oddly, the card won't work in countries that don't use one of the 16 currencies as their official currency, so don't try.

British Pounds (GBP)
US Dollars (USD)
Euros (EUR)
Canadian Dollars (CAD)
Australian Dollars (AUD)
South African Rand (ZAR)
Swiss Francs (CHF)
Norwegian Kroner (NOK)
Swedish Kronor (SEK)
Danish Kroner (DKK)
Hong Kong Dollars (HKD)
Polish Zlotys (PLN)
New Zealand Dollars (NZD)
Singaporean Dollars (SGD)
Hungarian Forint (HUF)
Japanese Yen (JPY)

Simply sign up to WeSwap via the link on MoneySavingExpert.com and we won’t charge you any fees on your 7-day swaps for a whole year

So, no good for Thailand, for instance.

But perhaps another option for photome.

NiftyDigits

callum9999 wrote: »

Yes, though I don't see the relevance.

First of all, photome was CONSIDERING an option in which they can lock-in the US$ rate now. Do I have a better way of doing so? No. Did I say I did? No. Is some kind of mental aberration causing you to think I did?

It wasn't clear as day at all that it was a joke as you write many posts in an aggressive manner (case in point...) - in fact you're one of the main reasons I stopped using the site a while ago. While I believe this is the first time you've attacked me personally, it created a rather less amiable atmosphere.

I also didn't say your recommendation of Revolut in this case, I said recommending it to people in general. You often decide it's the best option for someone then throw a hissy fit and call them names if they don't agree (again, case in point). Perhaps you should read the post properly next time if you want to act in such a way.

So you are admitting to some kind of mental aberration?
Certainly your rambling post which has nothing to do with the subject matter alludes to an issue.
As to reading the post properly, I would suggest that it is who needs to do so.

Let's see shall we?

Photome:

I was thinking of getting one of these for a trip to the USA in 3 months time

After reading the last few pages I have changed my mind.

ATM fees

Dollar loading fees

problems with top ups
have all put me off.

I usually just go with a clarity card and PO CC but with the dollar arte(sic) falling was looking at an alternative.

Callum9999 clearly missing the point:

The fee is for topping up if you have a USD debit card, not for spending in dollars.

I don't see how the rate falling changes your spending habits? If it falls with Halifax it falls with Revolut.

Photome helping Callum9999 to understand whilst being confused by Callum9999's earlier comment:

It may change my spending habits by buying dollars now instead of using the CC in 3 months time.

I had thought that if I put x dollars on the card now,that would be the rate I got when spending.

I need to read more about pre pay cards

NiftyDigits affirming that photome's assumption was correct and advising that they don't need to jump on the 'slagging off Revolut, bandwagon:

You are right. so don't bite off your nose because you are angry at your face. The changes don't affect you at all unless you need more than the equivalent of £500 in cash.
In the USA I rarely used cash at all. So US$700 in cash may be more than adequate.
If your wont is to lock in the best possible rate now, open an account. Don't be a sheep.

So Callum9999, it is you who has missed the point all along and then dragged it way off topic. Perhaps you need another rest.... and time to develop a sense of humour.
Nothing aggressive about my comments. They contain intelligence and humour, not dopeyness.
Whoosh....and over Callum9999's head.

Clearly the tone of your posts are dictated by some past dialogue of which I have no memory. Certainly of no importance to me. Whereas you felt compelled to drag the post off topic as clearly your feelings were so hurt.

Allow me to remind you...it's the Internet. I don't know you personally and have no wish to do so. Nothing is personal. Get over it.