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  #561  
Old 06.01.2019, 00:04
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Re: Multi Currency Credit Card ["Revolut"]

I was so glad to find out the Swiss IBAN is out. Now, I am just waiting for the stock trading to come in order to abandon Swissquote. Hopefully, they get this done in the first half of this year
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  #562  
Old 08.01.2019, 18:15
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Re: Multi Currency Credit Card ["Revolut"]

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No idea, but check if it has that field to enter that very long reference number.
I’ve just read the T&C, and they say they have a function where you can setup recurring payments such as rent. So wouldn’t this functionality take care of all CHF payments that doesn’t require the long ref numbers?

If rents and Medical Insurance payments could be made via Revolut, then perhaps upgrade fee could be recouped by getting the cashback?
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  #563  
Old 17.01.2019, 15:32
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Re: Multi Currency Credit Card ["Revolut"]

One year ago somebody mentioned that Topping up CHF with Apple Pay had no fees, is that still the case? From Revolut app I can see "no fee", but I was wondering if I will get it included in the next card statement.
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  #564  
Old 21.01.2019, 08:46
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Re: Multi Currency Credit Card ["Revolut"]

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One year ago somebody mentioned that Topping up CHF with Apple Pay had no fees, is that still the case? From Revolut app I can see "no fee", but I was wondering if I will get it included in the next card statement.
One month ago somebody said you can top up with bank transfer to a local CH IBAN with Credit Suisse...
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  #565  
Old 21.01.2019, 10:16
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Re: Multi Currency Credit Card ["Revolut"]

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One month ago somebody said you can top up with bank transfer to a local CH IBAN with Credit Suisse...
I asked what time is it, you answered it's cold today. Thanks.
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  #566  
Old 21.01.2019, 11:52
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Re: Multi Currency Credit Card ["Revolut"]

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I asked what time is it, you answered it's cold today. Thanks.

I think he was suggesting that topping up with Apple Pay doesn't make sense anymore as you can transfer directly from a swiss bank account to the Revolut swiss account and avoid all fees and intermediaries.
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Old 21.01.2019, 14:02
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Re: Multi Currency Credit Card ["Revolut"]

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I asked what time is it, you answered it's cold today. Thanks.
It’s called thinking outside the box
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  #568  
Old 05.02.2019, 11:30
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Re: Multi Currency Credit Card ["Revolut"]

It looks like they removed the fees for topping up with a Credit Card (tried with UBS). Topped up 4000.- CHF and had 0 fees. I tried only topping up CHF.
Not bad!

https://www.revolut.com/help/getting...ing-up-by-card

Will I be charged for topping up by card?
Topping up via a debit or credit card issued in the European Economic Area (EEA) is completely free.

If you top up with a card that was not issued within the EEA (a US-issued card for example), with a credit card, or with a commercial card, we may charge you a small fee to cover our costs. In these cases, it might be cheaper for you to top up by bank transfer.
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  #569  
Old 05.02.2019, 16:33
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Re: Multi Currency Credit Card ["Revolut"]

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It looks like they removed the fees for topping up with a Credit Card (tried with UBS). Topped up 4000.- CHF and had 0 fees. I tried only topping up CHF.
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Not bad!

Will I be charged for topping up by card?
Topping up via a debit or credit card issued in the European Economic Area (EEA) is completely free.

If you top up with a card that was not issued within the EEA (a US-issued card for example), with a credit card, or with a commercial card, we may charge you a small fee to cover our costs. In these cases, it might be cheaper for you to top up by bank transfer.

Does this count as a purchase or cash transaction? I.e. does the credit card company start to charge interest?


The second sentence says there may be a charge for credit cards. It's probably just badly constructed.
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  #570  
Old 05.02.2019, 16:38
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Re: Multi Currency Credit Card ["Revolut"]

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Does this count as a purchase or cash transaction? I.e. does the credit card company start to charge interest?.
For your credit card company it counts as a purchase, so no interest is charged if you pay your entire invoice by the due date.

Revolut charge for top-ups with Swiss cards.
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  #571  
Old 05.02.2019, 19:19
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Re: Multi Currency Credit Card ["Revolut"]

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It looks like they removed the fees for topping up with a Credit Card (tried with UBS). Topped up 4000.- CHF and had 0 fees. I tried only topping up CHF.
Not bad!

be aware, your credit card issuer may charge 1.5% or whatever rate for "Payment in CHF outside of Switzerland".
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  #572  
Old 05.02.2019, 19:43
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Re: Multi Currency Credit Card ["Revolut"]

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It looks like they removed the fees for topping up with a Credit Card (tried with UBS). Topped up 4000.- CHF and had 0 fees. I tried only topping up CHF.
Not bad!

https://www.revolut.com/help/getting...ing-up-by-card

Will I be charged for topping up by card?
Topping up via a debit or credit card issued in the European Economic Area (EEA) is completely free.

If you top up with a card that was not issued within the EEA (a US-issued card for example), with a credit card, or with a commercial card, we may charge you a small fee to cover our costs. In these cases, it might be cheaper for you to top up by bank transfer.
That page might need updating if Revolut no longer charge a fee to top up with a Swiss card. The page states that if you use a card from outside the EEA you may be charged a fee. Switzerland is outside of the EEA, so a fee may still apply.
I would hope that the fee is visible if Revolut are going to apply it though.

I have tried to see if a fee appears when I try to top up with a Swiss card and it does not. Until recently though it did display a fee.
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  #573  
Old 05.02.2019, 20:01
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Re: Multi Currency Credit Card ["Revolut"]

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That page might need updating if Revolut no longer charge a fee to top up with a Swiss card. The page states that if you use a card from outside the EEA you may be charged a fee. Switzerland is outside of the EEA, so a fee may still apply.
I would hope that the fee is visible if Revolut are going to apply it though.

I have tried to see if a fee appears when I try to top up with a Swiss card and it does not. Until recently though it did display a fee.
Can be a side effect of this that now topping up with TW card has a fee? When I try to top-up for example 100CHF there is a fee of 1.64CHF.
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  #574  
Old 05.02.2019, 20:13
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Re: Multi Currency Credit Card ["Revolut"]

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Can be a side effect of this that now topping up with TW card has a fee?
What sort of card is it?
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  #575  
Old 05.02.2019, 20:23
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Re: Multi Currency Credit Card ["Revolut"]

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What sort of card is it?
Transferwise debit card. The most used top-up method without fees used in CH until the arrival of CH IBAN to Revolut.
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  #576  
Old 05.02.2019, 21:33
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Re: Multi Currency Credit Card ["Revolut"]

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be aware, your credit card issuer may charge 1.5% or whatever rate for "Payment in CHF outside of Switzerland".

Yes, certainly, if it is a "free one" from the Coop or Migros, they have to make some money somehow, after all !
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  #577  
Old 05.02.2019, 21:48
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Re: Multi Currency Credit Card ["Revolut"]

Postfinance charge 1.2%. I don't know if there is a card in CH which has a lower charge for foreign transactions...
Also they don't charge this 1.2% on CHF transactions abroad.
The card isn't free, but the annual fee is low enough to be covered by their bonus programme, so it becomes free if you spend enough on it per year.
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  #578  
Old 06.02.2019, 09:37
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Re: Multi Currency Credit Card ["Revolut"]

There is no fee charged either from Revolut nor from UBS if you top up with your UBS Credit Card.
This is only if you top up CHF. It's a normal purchase order in CHF like you would do on any swiss online retailer.

You will get charged a fee if you don't pay the amount to UBS back in time (i think 30 days).
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  #579  
Old 06.02.2019, 10:30
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Re: Multi Currency Credit Card ["Revolut"]

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There is no fee charged either from Revolut nor from UBS if you top up with your UBS Credit Card.
This is only if you top up CHF. It's a normal purchase order in CHF like you would do on any swiss online retailer.

You will get charged a fee if you don't pay the amount to UBS back in time (i think 30 days).





It is not a fee, but a payment of interest on the outstanding amount at a very high rate, usually close to 12%, the maximum allowed by law.
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  #580  
Old 06.02.2019, 10:31
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Re: Multi Currency Credit Card ["Revolut"]

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You will get charged a fee if you don't pay the amount to UBS back in time (i think 30 days).
Just to be clear, that's not a fee; it's interest—perfectly normal when an institution lends you money for a period of time.
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