Topping up Monese / revolut using a credit card

sultanoflondon

Hi all,

I understand that you can deposit cash to a Monese or revolut account using a credit card. I had a few questions to which I couldn't find answers elsewhere. Would appreciate if the MSE Community could help!

1. Can you use American Express to top up these accounts? Is it fee-free?
2. Can you top them up & immediately withdraw the cash from an ATM?
3. Does topping up these accounts contribute towards minimum spends for introductory bonuses?

Thank you & merry Christmas!

stevenhp1987

No to all. Amex won't allow such transactions. If you try to manipulate systems to achieve it then expect your account to be cancelled.

You can top-up Monese using a Debit Card (not Credit Card). You can top-up Revolut using Debit/Credit Card (Visa/MasterCard) but expect a cash-advance fee and no cashback (if cashback card).

Nemodot

I have never been charged a cash fee. Just been treated as a transaction.

It is handy as I have to use Revolut now for online ticket purchases as they allow use of the app as authorisation rather than a stupid mobile number - I work overseas a lot and book a lot of plane flights and mobile messages often fail so all my credit cards are useless now.

Dobbibill

I've topped up my revolut card using my Select CC/visa and had no fees. My son has topped his up using his Halifax CC/mastercard and also received no fees - it seems revolut process it as a purchase not a cash transaction.

IvanDP

Dobbibill wrote: »

I've topped up my revolut card using my Select CC/visa and had no fees. My son has topped his up using his Halifax CC/mastercard and also received no fees - it seems revolut process it as a purchase not a cash transaction.

I have also topped up Revolut with Nationwide Select Credit card and can confirm, it shows as a purchase and not cash advance, so no fees. :T

richi

Looks like Revolut has started tagging top-up transactions as cash, so credit card issuers are now charging cash-advance fees

WrS

Yes, this has just happened with Tandem (behind Curve)

richi

Update: Revolut support chat says there's been an unspecified "issue" with CC topups generating a cash fee, and that they're working to fix it. They didn't know if the fix would involve the issuers reversing the fees or Revolut refunding them.

richi

There are two threads discussing this now, so I'm going to focus on the other one: https://forums.moneysavingexpert.com/discussion/6032990/what-charges-are-there-for-topping-up-revolut-standard-account-with-barclaycard-0-visa

jbryce

I don't know about Monese, but Revolut don't take Amex.
I've tried with Nationwide Select, using Apple Pay. That worked, and I got my 0.25% cashback.
I've tried twice with Tandem. One was as a Euro top-up. That went through at Mastercard exchange rate with the 0.5% cashback, and one was a GBP top-up, and they rejected it.

Nick_C

jbryce wrote: »

I don't know about Monese, but Revolut don't take Amex.
I've tried with Nationwide Select, using Apple Pay. That worked, and I got my 0.25% cashback.
I've tried twice with Tandem. One was as a Euro top-up. That went through at Mastercard exchange rate with the 0.5% cashback, and one was a GBP top-up, and they rejected it.

As above - as of 19 January. trying to top up Revolut with most credit cards is currently attracting cash advance fees.