Topping up Revolut with a credit card - a warning to others!

epm-84

jbrassy said:

epm-84 said:

On that be aware that Starling do not charge fees for using ATMs abroad.  It is now the case that all Greek banks charge a withdrawal fee if you insert a foreign debit card - it doesn't matter whether you have a Starling, Curve, Virgin or any other card which doesn't charge for foreign ATM withdrawals, you'd still have to pay the fee which the local bank imposes.

I think this is true in a lot of countries, not just Greece. It's true that while Starling won't charge fees for using an ATM abroad, the foreign bank may charge a fee for you using a UK card. What I often find is you have to try a few banks before finding one that doesn't charge fees. Even so, it's still more economical to use Starling than the majority of other card providers. 

The reason I mentioned Greece is because I became aware that all Greek banks now charge when foreign cards are used for cash withdrawals, even HSBC Greece if you have a HSBC UK card which doesn't charge for foreign transactions!

bengalknights

Just seen this thread then checked my MBNA account for topup did 2 days ago....changed from Merchandies and Services in December (no fee) to Money Order Wire Transfer (and a lovely cash advance fee)

jbrassy

bengalknights said:

Just seen this thread then checked my MBNA account for topup did 2 days ago....changed from Merchandies and Services in December (no fee) to Money Order Wire Transfer (and a lovely cash advance fee)

I'm sorry for your loss...

In all seriousness, you might want to pay off your MBNA ASAP before the interest racks up.

jbrassy

epm-84 said:

The reason I mentioned Greece is because I became aware that all Greek banks now charge when foreign cards are used for cash withdrawals, even HSBC Greece if you have a HSBC UK card which doesn't charge for foreign transactions!

That's interesting. I went to Hong Kong just over a year ago and I was told that I could use my UK HSBC card to withdraw money for free from a Hong Kong branch of HSBC and this applied to all HSBC outlets globally. Maybe they've changed the rules or I was told a porky. 

hermante

epm-84 said:

hermante said:

IAMIAM said:

What is the best option these days to get cash from a 0% purchase credit card, let say a Barclays card 0% platinum or M&S/Sainsburys 0% Purchase card. It used to be the case that `Revolut did that but what is the solution these days?

You can try laundering it through Curve

With the information Curve provides to your bank now they know that you've obtained cash from an ATM, even if you use the Curve card linked to your credit card.  However, in an emergency you can use the go back in time feature to change the card payment so it comes from a debit card through Curve, not a credit card but even then it will show up as a reversed transaction on your credit card.

I have a credit card which treats cash withdrawals through curve as a purchase, which is still the case after the MCC passthrough changes. 

SunShiney

Found this thread guys. Topped up Revolut through Apple Pay using my nationwide select credit card and no fee or interest charged at all. It is a cash back card too. I have recently switched to Amex rewards card and haven’t tired thought I’d let you know about nationwide credit card via Apple Pay. The credit card is also good for spending abroad by POS only (not fees) though there is a charge for withdrawals. 

y3sitsm3

SunShiney said:

Found this thread guys. Topped up Revolut through Apple Pay using my nationwide select credit card and no fee or interest charged at all. It is a cash back card too. I have recently switched to Amex rewards card and haven’t tired thought I’d let you know about nationwide credit card via Apple Pay. The credit card is also good for spending abroad by POS only (not fees) though there is a charge for withdrawals. 

Probably not all that helpful as the Select card was closed to new applicants nearly 2 years ago and hasn't paid out cashback for nearly a year either.

jinkssick

epm-84 said:

jbrassy said:

epm-84 said:

On that be aware that Starling do not charge fees for using ATMs abroad.  It is now the case that all Greek banks charge a withdrawal fee if you insert a foreign debit card - it doesn't matter whether you have a Starling, Curve, Virgin or any other card which doesn't charge for foreign ATM withdrawals, you'd still have to pay the fee which the local bank imposes.

I think this is true in a lot of countries, not just Greece. It's true that while Starling won't charge fees for using an ATM abroad, the foreign bank may charge a fee for you using a UK card. What I often find is you have to try a few banks before finding one that doesn't charge fees. Even so, it's still more economical to use Starling than the majority of other card providers. 

The reason I mentioned Greece is because I became aware that all Greek banks now charge when foreign cards are used for cash withdrawals, even HSBC Greece if you have a HSBC UK card which doesn't charge for foreign transactions!

Hi, old thread, but Optima Bank is the only bank that doesnt charge an atm fee in Greece. Used it myself. Other atms yes, much like Thailand its impossible.