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Fresh experiences from real customers, collected from Reddit, YouTube and blogs and linked to their sources.

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RevolutMixed

Reddit · r/Revolut · 3 days ago

A full-day outage in October locked up all funds, and the app has a habit of freezing accounts over transactions it wrongly flags as suspicious. The poster still stays because no other bank matches the automations that sort their money into pockets for bills and groceries.

RevolutMixed

Reddit · r/Revolut · 3 days ago

Called the best banking product they have used, with plentiful cards, automations, insurance and travel perks plus an intuitive app. Trust is the sticking point, because of the many blocked-account stories they keep reading.

RevolutPositive

Reddit · r/Revolut · 3 days ago

About 1.6 years in as their first digital bank, they like that a flagged transaction only needs documents or a face scan rather than a blanket suspension. They also rate the cashback and savings rate above the competition they researched.

RevolutNegative

Reddit · r/Revolut · 4 days ago

Shares a joint account with a spouse in France; the spouse's physical card works everywhere except automated gas stations, where payments are refused before the PIN can be entered, while the account holder's own card works.

Copilot MoneyPositive

MoneyRecs · Ben · 11 days ago

I mostly open this to clear the transactions waiting for review and see where the spending is going. That's enough for me. Having the upcoming bills on the same screen is handy, especially when the current balance looks more generous than it really is. I still check the categories instead of accepting everything in one go. Takes a little attention, but I prefer that to opening a spreadsheet and deciding I'll deal with it later.

RevolutNegative

MoneyRecs · Maricel D. · 12 days ago

Used it to send money to my mom once a month. On a weekday the rate was good, and the app shows the fee and exactly what she gets before you hit send. I found out the hard way that exchanging on the weekend adds a markup on the free plan, so after that I only sent Monday to Friday. Then in month eight a transfer got held and my account was restricted for a review. I uploaded my ID and pay stubs twice. The chat kept handing me to the bot, and when I finally got a person they just said my case was with the team. Eleven days without access to my own money, then it was unlocked with no explanation. The monthly transfer goes through Wise now. I only keep a little in Revolut for when I travel.

Chase Ink Business CashPositive

MoneyRecs · Priya S. · 12 days ago

We run a two person bookkeeping practice and our internet, phone lines and office supply store runs all go on this card. The 5% in those categories is the whole point, and a firm our size never gets close to the $25,000 yearly cap. Client lunches earn 2%. No annual fee. con: my starting limit was only $3,000, so for the first year I was paying it down mid cycle. There's a 3% foreign transaction fee as well, so it stays home when I travel. Still the card I'd keep if I had to cut down to one for bills.

XoomPositive

Reddit · r/Cambly · 18 days ago

Used it to move USD pay into a Mexican bank account as pesos and received funds within about 15 minutes, much faster than Stripe's three days, though Stripe has a slightly lower fee and better conversion rate.

YNABPositive

Reddit · r/ynab · 20 days ago

Found YNAB through a book at a bookstore, says it transformed their financial life and left them ready for retirement with total command of expenses, using about 40% of its capacity because the philosophy is what works.

YNABNegative

Reddit · r/ynab · 21 days ago

Finds mismatched transactions get auto-approved when buying the same item daily, so the cleared balance stops matching the bank and they must reconcile more often, which is now more work than the old manual approval.

RevolutNegative

Reddit · r/Revolut · 25 days ago

Revolut restricted their account with all their savings, first citing an investigation until the 16th, then closing the support conversation without explanation, and on Ultra a callback just gave the same generic AI answer.

M1Mixed

Reddit · r/personalfinance · 30 days ago

They opened a Roth IRA at M1 by rolling over an old 401(k) and picked a premade model pie, then kept contributing. They are unhappy with the modest first-year performance and note the model pie cannot be edited.

WisePositive

Reddit · r/personalfinance · 32 days ago

Has sent a lot of money from the US to Canada through Wise for a car and a house with no problems and the best exchange rates, though one final transfer had to wait a month because of a maximum within a 3-month period.

MonarchNegative

Reddit · r/MonarchMoney · 36 days ago

Has the same institutions connected on Robinhood, M1 Finance and Monarch, and says Monarch is the only one that keeps dropping off, often the Bank of America checking account, so they think it is a Monarch problem.

WorldRemitNegative

Reddit · r/Philippines_Expats · 46 days ago

Transfer to their own bank account for hospital bills went through next day for one part, but a second one stalled for six days with changing answers from support, then was cancelled for late documents, with a refund promised in 7-10 days.

RevolutMixed

Reddit · r/Revolut · 51 days ago

Had their account permanently closed after an automated source-of-funds review despite tax documents, lost the internal complaint, but after eight months won reinstatement through the Bank of Lithuania with a small compensation.

YNABPositive

Reddit · r/ynab · 70 days ago

An early-career high earner who still gets a lot of value from YNAB for spending and saving thoughtfully, and also tracks tax-advantaged savings and net worth with a self-hosted extension for financial independence forecasts.

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