Best mobile based banks that have disposable VCC and ideally two+ cards?

Koralvista

I've been with Revolut for 5 years and they've just completely screwed me over and left me with nothing. I need to start again as soon as possible but there's a few features they have that I'm looking for elsewhere. Disposable Virtual Debit Card is an extremely valuable feature for me, while multiple cards would be nice too.

I've heard Monese has these but I can't find anything on their site that says so. Monzo and Starling also look good but I can't find anything about these features either. Any advice would be greatly appreciated! have a nice day

Jakerrs

I have Monese and I have the ability to add a virtual card, but I don't know if it's disposable in the same way Revolut's disposable cards are.

IvanDP

Jakerrs said:

I have Monese and I have the ability to add a virtual card, but I don't know if it's disposable in the same way Revolut's disposable cards are.

Unfortunately, the Monese virtual card is not disposable, but it does come with a second card if you decide to open a Euro account. (or RON account if you live in Romainia)
I think the ability to have more than one physical card with the same account is something that at the moment, only Revolut offer

born_again

Wanting a disposable card sounds dodgy to me....

Murmansk

born_again said:

Wanting a disposable card sounds dodgy to me....

There used to be a credit card where you could go online and create a new virtual card whenever you wanted, you'd use the new card number for just one purchase and it was supposed to be much more secure. It seemed a good idea but they did away with it, can't remember which company it was.

Koralvista

born_again said:

Wanting a disposable card sounds dodgy to me....

Okay.. care to explain why wanting to be secure and safer when making payments sounds dodgy to you?

born_again

Why do you want a single use card? It just screams scam.
Normal cards are more than secure enough.

I thunk you need to explain how Revolut has screwed you over? And how using a virtual card will make it safer.

Koralvista

born_again said:

Why do you want a single use card? It just screams scam.
Normal cards are more than secure enough.

I thunk you need to explain how Revolut has screwed you over? And how using a virtual card will make it safer.

LOL "Screams scam"? How can you say single use cards are a scam and then say normal cards are secure enough, that's the dumbest thing I've read all day,  hilarious. Peoples cards get swiped all the time, it's a huge problem. I have many reasons for wanting one. I buy a lot online and it's happened a few times over the years, even had a pizza chain employee writing my details down when I ordered over the phone. If you only use reputable vendors then fine, but certain equipment I need can only be bought from small business sites that don't have enough reputation or background for me to fully trust giving them my primary card details, they may be 100% legit but lacking on the security side. The only use I have which can even be remotely considered "dodgy" is signing up for a free trial subscription if I'm not 100% certain on carrying it on. Some companies love making it as hard as possible to cancel, or maybe I'll forget to cancel if I'm really busy. Considering it's a free trial I wouldn't even call that the slightest bit dodgy. Go get your paranoia sorted, just because you don't understand something doesn't make it "dodgy".

As for Revolut, Under KYC regulations they decided to re-validate my identification, which I have no problem with. But they took over 24 hours for the first two attempts (each) which they rejected with no valid reason despite me triple checking to make sure everything was legit and clear as day. Third try they gave "up to 72 hours" and only got it done when I really pressured their support. I couldn't make any payments the entire time this ordeal happened and it landed right on my billing date for most bills. All of this with no warning whatsoever. That is completely unacceptable leaving me dry like that. Them and their garbage support have lost all my trust.

I don't know what your issue with me is, but drop this attitude you have against me for simply wanting simple banking feature, It's pathetic. Me having an issue with Revolut has nothing to do with that, they're small company with a big client base that's bound to screw up occasionally.

oli356

Think I'd rather just use a normal card and 'freeze' the card via mobile app so it can't be used when not using it. Can activate/deactivate in under ten seconds. 

gsmh

Cahoot used to offer this facility where you could generate a debit card number for one-off use. I loved it - great for paying an organisation you're not 100% confident about where you could make sure they could only debit once the amount agreed and couldn't use the details again at a later date. Only of use online, of course. I don't think such a thing exists any more.

born_again

Koralvista said:

I don't know what your issue with me is, but drop this attitude you have against me for simply wanting simple banking feature, It's pathetic. Me having an issue with Revolut has nothing to do with that, they're small company with a big client base that's bound to screw up occasionally.

I do not have a issue with you, not sure where you get that from.
I work in a cards fraud team. So know exactly how fraud works. Single use cards can still be compromised, as you point out. Its the people who deal with the details you give that are the issue. Not the actual cards.
I take your point on why you feel it will be safer to you. But you have to remember that it cost the bank for each card number that you use. which will be why you can't find that option.
But have you thought of using Android Pay or Apple pay. They work in very much the same way. In that the retailer does not get your card details.