Nogle banker er jo gebyrgribbe - men nu slår de også til mod iværksættere

Jeg læste følgende som gav et godt indblik I pro/con

BroncofanDK:

Revolut

Revolut operates in a similar way to Monzo. Customers get an account number and sort code to use for normal functions such as receiving a salary and making regular payments. There are also tools to analyse your spending, and notifications when the debit card is used. 

However, Revolut does not have a full banking licence (although it is applying) and deposits are not FSCS-protected. 

A large part of Revolut’s utility right now is its travel spending and payment splitting features.

It offers fee-free spending and withdrawals abroad, and customers can hold pounds, euros, dollars and a variety of other currencies simultaneously. They can also exchange between any two of the available currencies for free.

Revolut offers the market exchange rate, which is typically slightly better than the Mastercard rate offered by the other companies mentioned here.

The payment splitting function allows you to share costs such as household bills or a restaurant meal with other Revolut users.

The firm offers a variety of other financial services via its app too. Users can borrow money using peer-to-peer loans from Lending Works, take out various types of insurance, buy cryptocurrencies such as Bitcoin, and take up various offers from partner companies. Currently, Revolut is offering £25 to users who consolidate their pensions using PensionBee.

Accessing some of these options requires becoming a “Premium” member, which costs £6.99 a month. This comes with other perks such as free spare and replacement cards and no limit on foreign exchange (currently £5,000 a month).

Revolut also offers some interesting security features. You can temporarily freeze a card and view your Pin as with Monzo. But there is also location-based security, where a payment won’t go through unless it’s close enough to your phone’s GPS location, which can be turned on or off.

Plus, it's possible to disable or enable any combination of payment methods. For instance, you could disable online transactions and swipe payments, but allow contactless payments and cash withdrawals.

It costs £5 to have your first debit card delivered, and there is a £6 charge for a replacement card. There is a top-up limit of £1,000 to £3,000 daily for new accounts. 

Selling points

• It offers the best exchange rate when spending abroad, and the ability to hold and switch between multiple currencies is unique.

• Payment splitting tool is useful on a day-to-day basis. 

• Very good range of security features. 

Downsides

• Not a fully licensed bank yet, so no FSCS protection.

• You can only withdraw £200 a month in cash with a regular account for free (£400 with a premium account) – after that there’s a 2pc charge.

• Unless you want to buy additional services through Revolut or exchange large amounts of currency, the £6.99 premium fee isn’t worth it.