Ask your bank why it was returned?

I've done it; waiting for an answer.....

Be weary of large one off transfers to/from revolut. The really awful algorithm will usually flag it for review in which case it is stuck in limbo. The exceedingly poor chat support which is usually a bot or could be a human person that simply copys and pastes the same responses asking the same questions over and over if you want to risk the transfer...

I had one experience using the chat and it was solved easily (but then this was not transfer related). They do get on my nerves asking about my tax residency……

I have EU bank accounts, so top up Euro's from there using my CC and no fee even though I have just the free standard account.

For payments in Switzerland / CHF I use Twint or my Swiss credit cards.

On my Revolut Business card a transfer from Raiffeisen, with the order given in the evening, is on my account by 8 am next morning.

I had the same thing happen. Look on your revolut account details. There’s a reference. Make sure that’s entered correctly when you send the money. Fixed it for me.

I use N26 and am very pleased. Its a Debit Credit Card in Euro that I use to pay within the EU. I pay 0.30 Chf for a Sepa transfer to top it up. No matter the amount. I like it!

what do you mean with the refence? I should always write the information under the reference that is written in revolut app? I didnßt do that, I just wrote IBAN Number; UBS said that "The transfer was returned by the recipient or the recipient's bank."

The IBAN isn’t unique to you, they need the reference to know which Revolut account the money is destined for. The IBAN is for an account that Revolut hold with Credit Suisse, then they put the money from there onto your account.

Exactly this, they reject it because they don't know where it's going.

Go to your Revolut app...choose add money...change the way to transfer funds...when you click on regular bank transfer you will see the reference number...it is usually written in red

I did that this week and 24hours later the CHF were back in my ZKB a/c. I transferred the CHF from my Visa Debit and was charged the new 1.15%.

I’m beginning to wonder if I need Revolut at all…

Revolut charged you for using a debit card?

Not good.

I just panicked and checked my Revolut account. On November 29th I sent some CHF from my usual bank account to Revolut's CHF account via account transfer, not debit card. I wasn't charged anything for the transfer.

Unfortunately you are right...I have a Credit Suisse account and they charge a lot of things, outside of EU (they said)...for a regular bank transfer Credit Suisse allows only one line reference...Revolut needs the reference written exactly like in the app and that is three lines. They sent the money back...long story. I am exploring as well other options but for the next year I got an offer for the Metall Card for 90 chf instead of 180 so I have time

They charged me as well (when you have the free Revolut card). I did get a while back an email from Revolut saying that they will have all kind of charges for Swiss customers who use the free Revolut card. They do not charge me now as I have the Metal Card. They will not charge you for regular bank transfer even if you have the free card.

If I need to top up my Revolut account, I add funds either by bank transfer from BLKB to the CS Account of Revolut mentioning my Reference as shown in the Revolut app under Account details (addad the next day) or if I need the money faster, I use my Swisscard AECS Miles&More Mastercard (added instantly) at no extra cost. Swisscard is part of CS, thats probably why it is free.
Used the VISA I recently got from Cornerbank and they charged me CHF 4.95 for CHF 100.00 Revolut top up.

I have the metall plan from Revolut and was OK with it, but since recently they charge a "international payment fee" (This month a total of $20.57 for $'11418 in $ transferred in 4 transfers) for every transaction to my Bank of America account, before 3 transfers per month were free. So now I am thinking to downgrade to Premium.
Transfers to my Dutch bank accounts were done within seconds and free of charge.

This is the email I got:

On 25/10/2022, we'll be introducing a processing fee when you add money to your account using a debit or credit card issued in Switzerland.
The fee will be 1.15% for debit cards and 1.5% for credit cards issued in Switzerland.

I assume this is for Standard Cards only.

Here their fees table / matrix for international payments:

https://assets.revolut.com/legal/ter...eet_072022.pdf


For card transfers:

https://assets.revolut.com/legal/ter...eet_220210.pdf

I stopped using Revolut, when they started charging me to spend GBP when it was already in GBP in my Revout account. Wise are much better.

Always transfer money in by bank transfer though, use a card and your Swiss bank will charge you an overseas fee, defeating the object of using Revolut/Wise in the first place.

I am quite sure I've used a non-Revolut debit card, to top up my Revolut account, CHF to CHF, and not pay any charges. I wonder if Wise borderless accounts are a better bet?