Well id say you are in the minority here and I am (so far) a happy revolut user.This is not true.
Revolut operate a system of online agents who deal with problems very efficiently when they are given a clear explanation of the issues.
I have used this service a few times and on every occasion the issues were dealt with swiftly and satisfactory.
That's probably because I am good at clearly explaining a problem and willing to engage with the agent to add any further assistance, and then allow them some time to resolve it.Well id say you are in the minority here and I am (so far) a happy revolut user.
To be fair, having been involved for many years in technical support, both professionally and voluntarily, there is a lot to be said for this. It never ceases to amaze me how many people seemingly can't (or are too lazy to) actually ask a meaningful question while providing appropriate context and details. Some seem to assume that the support person is magically privy to everything that is in their head a priori....That's probably because I am good at clearly explaining a problem and willing to engage with the agent to add any further assistance, and then allow them some time to resolve it.
Revolut and direct debits are not a great partnership - they paid 3 of mine for 3/4 months, then didn't pay and claimed they didn't offer the service!!!Your AIB basic account will be converted to a regular current account after 12 months if the total annual value of lodgements to your AIB Basic Bank Account in the previous year exceeds the national minimum wage threshold, otherwise, after 5 years.
I'd have either use AIB current account to receive wages and then EBS/Revolut for DD's and daily transactions. This way it'd be cheaper than using Bunq.
To be fair, having been involved for many years in technical support, both professionally and voluntarily, there is a lot to be said for this. It never ceases to amaze me how many people seemingly can't (or are too lazy to) actually ask a meaningful question while providing appropriate context and details. Some seem to assume that the support person is magically privy to everything that is in their head a priori....
While I was intimately familiar with it in practice for many years, I only recently came across the term "XY Problem".I used to work in tech support and it was an education, to say the least. The average person needs a lot of help accurately defining their problem.
Ha yes! This is so common.While I was intimately familiar with it in practice for many years, I only recently came across the term "XY Problem".
Like on AAM where somebody asks for the best place to deposit a €10k windfall while omitting to tell us that they have a €20k unsecured personal loan at 10%...
It's ok, I didn't make it clear that I checked spam. I did.Might be stating the obvious, so apologies, but maybe the email went to your spam or some other folder?
Currently I have my salary going into AIB, but all my payments go through Revolut (I started using Revolut full time (everything but salary) at the start of 2018 (nearly 6 years now, and no issues, with all spending & bills going through Revolut).Pick the two banks with the lowest fees and have some money in both. Then if one goes rogue (like in this case you) have a back up option.
Expect poor service from all banks.
You could set up an N26 and a Bunq as backups. Even if you don't use them at all there is no harm as they have no fees. I use EBS as my main account. I use it similar to how you use AIB. EBS are a pain and their systems are archaic but I have it set up in a way that I never really need to log in. Wages go in, rent and savings go out. I use Revolut for day to day spending.Currently I have my salary going into AIB, but all my payments go through Revolut (I started using Revolut full time (everything but salary) at the start of 2018 (nearly 6 years now, and no issues, with all spending & bills going through Revolut).
Their chat agents have been great with sorting out refunds, and issues with transactions (where as with AIB I wouldn't even bother as I find phone calls and going in branch a pain compared to just talking to a chat agent).
I recently moved my savings to Lightyear and Trade Republic to avail of near ECB rate (3/4% deposit interest) so I literally just use AIB as a temporary holding place for my salary.
I also like that if I move house and the landlord lord asks for statements, they are happy to just get the AIB one showing the salary going in (this happened a few years ago)........ and I know they should take a Revenue generated statement of salary instead of a bank statement, but some landlords/agencies just have a set way of doing things unfortunately, and you can't be picky with renting in this rental climate.
I was considering setting up an N26 account to take the place of AIB.
That way there is some redundancy if Revolut gets locked.
I'm currently trying to figure out if there is a better alternative to N26 for my salary account (like Bunq or something, and advice appreciated).
On a side note:
I also have a Revolut Business account which was a breeze to setup, and is incredibly straight forward.
With the business account you can book a video call online if you want some feature explained.
It has expensing built in, employee card management, and the card readers are pretty inexpensive (not that I'm using any of those features), but if I had a need for those features it would be great.
No harm indeed.You could set up an N26 and a Bunq as backups. Even if you don't use them at all there is no harm as they have no fees. I use EBS as my main account. I use it similar to how you use AIB. EBS are a pain and their systems are archaic but I have it set up in a way that I never really need to log in. Wages go in, rent and savings go out. I use Revolut for day to day spending.
Sent you on a N26 and Bunq referralNo harm indeed.
Revolut, N26, and Bunq seem to be the main digital banks people are using.
If you (or anyone else on this thread) has a referral link for N26 and/or Bunq I can use that to sign up.
And some of us use icard https://icard.com/No harm indeed.
Revolut, N26, and Bunq seem to be the main digital banks people are using.
If you (or anyone else on this thread) has a referral link for N26 and/or Bunq I can use that to sign up.
What is the main benefit of iCard?And some of us use icard https://icard.com/
Their key fob payment is brilliant - initially I got it as a fun thing to have, very quickly I use it for all card payments. Amount over €50 just asks for pin
Free, disposable payment cards, NFC payment wearables (I've a key fob).What is the main benefit of iCard?
Works absolutely fine for me and have never had an issue since joining them over a year ago. https://icard.com/
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