I used to do always by wire with PF. I started using my CC when I was in a hurry for crypto.com (damn)
So I guess I’ll go back to wire or stop using it.
We need more guinea pigs that compares Revolut and Neon 
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Neon is Swiss, with swiss employees and Swiss bank 100k insurance.
Revolut is UK, with all the social bad news we heard about employees conditions.
I prefer to use Neon in order to promote and support swiss companies.
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I guess my new use case for using cards abroad / spending foreign currencies is “wire to Neon and use Neon”
Hence loosing some connivance and require some more planning ahead (that may be a good thing, though)
The last and remaining use case for my Revolut card is “ATM usage” (up to the free amount) also with a prior wire transfer…
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make a sepa transfer (0.30chf) to the revolut account and then change?
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Not at all. You can still make a bank transfer, and that’s what I am going to do.
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No points/miles/cashback awarded.
While they’re headquartered in the U.K., maybe we don’t have to worry as much about employment conditions there - as we should about conditions in Poland or Lithuania.
Keep in mind that SEPA transfers are in EUR only (while most of us on the forum probably earn CHF).
I think I never got cashback for that. I think they are classified differently.
Revolut has a CH ISIN with Credit Suisse.
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Yes 
let’s hope the bank transfer will stay fee’s free.
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If you want to upgrade then the top up fees are free. Premium is 8.99CHF per month, if this would be cheaper than the 1.5% CC fee per month, dpending on usage?
If you need foreign currency for planned expenses, bank transfers in CHF are free. If once you have an emergency, well, you pay an emergency fee once instead of paying premium fees regularly.
If once in 2 years you have to make a foreign currency payment equivalent to 10k CHF, you are still better off with one time fee, also accounting for FX exchange fee of Revolut above free level.
And by the way I would check if one of new Migos/Cembra credit card will be better for emergency spendings abroad.
In the samples taken by moneyland.ch in 2022, Migros Bank shows an average markup of around 2 percent on currency exchange rates for purchases in euros.
Looks like not.
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Oh, I haven’t see this detail, cool. I’m already on Metal.
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why on Metal? could you share you case why you switched?
The problem with Premium for me is that you have to pay it yearly and not month by month. I usually would like to have it 1-2 times a year for vacations where I reach their free withdrawl/FX limits, but I do not believe it’s economical.
This latest change leaves a bad taste. Constantly adding new scammy fees, they are losing their USP against traditional banks (which at least have proper client service).
Card transactions have fees. I don’t know whether Revolut charges a bit more than what they have to pay. However, charging you for the fees they incur is far away from a scam. (The scam is rather the high fees of the card network + issuer + payment processors). It would be different if Revolut charged us for incoming domestic bank transfers, then I’d understand the feeling.
On the contrary, I get suspicious of companies that refund you 3rd party fees. Either they overcharge you in other areas or it’s not sustainable.
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Indeed, it’s a business, I think they have to try to be profitable somehow.
I’m still using the free option; I’d consider to pay for the service but imo the gap between the plus and the premium is a bit excessive. I’d go with the premium but with a lower price and/or with the possibility to have some kind of joint plan for me and the wife (who is also using the free card) without having to pay twice the price.
I was thinking : If you do metal revolut with cashback (0,1%) if you spend 1600 chf per month ,( not so impossibile here) you can have back the monthly cost (16chf).
Has someone already tried ?
0.1% of 1600 is 1.60 though.
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Of course it’s possible. Outside of Europe you get 1%. You can even make money if you pay metal yearly (then two months are free) and get the max cashback of CHF 15.99.-/month e.g. spending 1600.- outside of europe or 16k in Europe.
I like Revolut with the different cards, temporary cards and virtual cards for online payments. I don’t mind paying a bit for it.
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I wonder if the new fees for deposits will also apply when depositing using Google Pay. Does anyone know?
The cash back on Metal is crap in Europe, but if you use it a lot in foreign currencies, the savings in forex fees and free cash withdrawals justify the cost.
I sometimes use it to convert currencies for my business. Cheaper than Wechselstube or Wise.
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