Vivid sounds good its a shame not available in the UK. I still have few months to go with my revolut metal but I'm already thinking of getting something else. thanks for the upload
great content mate . if you have time can you do a video about Yonder credit card please. seems to be new in the uk and new concept how they offer credit. have a great day man !
Thanks mate! Interestingly I considered reviewing Yonder a few years ago but held off because it was only available in London. BUT it looks like they've expanded their experiences so I've just registered, AND I was accepted so I now have an account. Going to test it, and hopefully, I can do a full review before the end of the year! Thanks for the tip. ^Jonny
Just so you know, Revolut are doing away with the weekend fees. I believe they have already removed them in Sweden, Norway and the Baltics. I would imagine they will roll this out to the UK soon too.
I remember reading something a few months ago and also that Norway were excluded but if you visit www.revolut.com/en-NO/our-pricing-plans/ they still have the disclaimer that weekend fees apply, same for Sweden. ^Jonny
But I'd love for them to remove the weekend mark-up! It's annoying having to transfer currency on a Friday in prep, and I'd much rather just use my card abroad freely without having to think about what day of the week it is. They're also allowing their competitors an advantage and opportunity to differentiate themselves, EG ZING. ^J
Easy way to have Vivid Prime pay for itself and take advantage of all the other benefits. Also, if you use that Stock Rewards Pocket, let me know I'd love to hear feedback on it! ^Jonny
As an FYI, the Revolut Metal Card offered in the USA, still has all the insurance protections, lifestyle protections, discounted lounge access, 5 partner benefits included and cashback offered on a variety of merchants both online and in the physical store.
Interesting, thanks for the tip - also just saw that it includes heavily discounted international transfers and a fee-free ATM network of over 55k. Also looks like you're yet to get RevPoints in the US? ^J
Yonder is a better alternative i think. It's simpler, the cash back is fantastic and it is a credit card unlike revolut. Plus you have the added benefit that customer support sits in the UK not outsourced to some foreign location
I'm in the UK and disabled, does Monzo or the others cover "high risk" people for Travel Insurance? Because the monthly fee alone would cover the travel insurance.
I am new to Revolut but what i found attractive that it supports crypto. Although I am not using it as my primary crypto account but found they have higher fee more than i used to use in my noncustodial wallet. Probably not worth it but one new in crypto may find it easy.
If you live in Europe, Revolut works through a Lithuanian IBAN, which goes through SWIFT if you need to receive money in USD. If we're talking about a low-cost fintech banking solution to Revolut, I think Wise is another solution to consider.
Been a Zen customer for some years now only to find out that when I wanted to use the extended warranty service that would be a dissapointment. Almost 3 months and my case at AXA hasn't been solved. I know it AXA's issue but still Zen needs to change provider.
Hey mate, thanks for sharing your insight, I love the look of Zen, and I'm genuinely gutted that I can't open an account in the UK. Can you share any further insight? What do you mainly use it for? Everyday banking? Also, have you checked out the 'ZEN Care Shopping Protection' feature? Cheers! ^Jony
Personally I use Revolut and Halifax Share Dealing. I would look at which provider charges the lowest trading fees. Revolut isn't the best for this, Trading 212 can be quite cheap but that's not a bank account. ^Jonny
Oh I'm sorry to be the bearer of potentially bad news, but check out my video on the recent changes at Revolut, I've timestamped the link. (ruclips.net/video/TW__W5AGKEQ/видео.htmlsi=TY6uC5gnucAsWlIB&t=66). I discuss RevPoints, which has replaced cashback and can be quite lucrative. ^Jonny
Yeah I feel you, saving rates in the EU are generally quite poor as well. Which country are you based in? I can take a look around and see what's available. ^J
I really like Starling Bank, but I wanted this video to provide options for people who may be missing certain benefits or perks, such as cashback. There are A LOT of great options and I will be back with a Part 2 which may include Starling. ^Jonny
Oh yeah, Bunq were actually the first provider I considered, but I didn’t include them for a couple reasons. So, they do offer cashback and travel insurance, but to get those, you’ve got to pay close to €20 a month for the Easy Bank Pro XL plan. And while having multiple local IBANs is great, so is zero FX charges, they're also something you’ve got to pay for. In the end, it just felt like a lot of their top perks were stuck behind a paywall. And yeah, that’s true for a lot of these providers, but N26 and Vivid seemed like the best value for EEA customers in terms of what you get for the price. Appreciate you asking though! ^Jonny
I'm a big fan of WISE, I've spoken a lot about them over the years. I chose not to include them because I wanted to focus on providers that could fill the void of benefits or perks that people may have lost due to changes at Revolut, such as Smart Delay. That said, Revolut Alternatives Part 2 will include WISE. ^Jonny
Lol, you losted everything but the best; Nationwide. They put their insurance up recently, but you get device, breakdown and travel. The travel insurance can be tailored to longer trips by calling and the best bit is you can call a human and get whatever issue immediately fixed without needing a chat ir being put on hold. Plus its not a bank, they are a building society. Money's not rehypothicated.
FYI you 'recoup' a cost, you don't 'recuperate' it. Good video otherwise. There are so many ways you can slice this analysis - top accounts for cashback, top accounts for travel insurance, best accounts for high earners (which tend to offer decent perks in order to attract said high earners), etc. You could probably make half a dozen related videos!
Vivid sounds good its a shame not available in the UK. I still have few months to go with my revolut metal but I'm already thinking of getting something else. thanks for the upload
Out of all of them, Vivid and Zen are my favourites, neither of which are available in the UK 😤
Very comprehensive review 👍
Shame we can't get some of these in the UK
great content mate . if you have time can you do a video about Yonder credit card please. seems to be new in the uk and new concept how they offer credit. have a great day man !
Thanks mate! Interestingly I considered reviewing Yonder a few years ago but held off because it was only available in London. BUT it looks like they've expanded their experiences so I've just registered, AND I was accepted so I now have an account. Going to test it, and hopefully, I can do a full review before the end of the year! Thanks for the tip. ^Jonny
N26 is by far the best and so far ahead of revolut.
N26 has a full ECB bank guarantee.
Just so you know, Revolut are doing away with the weekend fees. I believe they have already removed them in Sweden, Norway and the Baltics. I would imagine they will roll this out to the UK soon too.
I remember reading something a few months ago and also that Norway were excluded but if you visit www.revolut.com/en-NO/our-pricing-plans/ they still have the disclaimer that weekend fees apply, same for Sweden. ^Jonny
But I'd love for them to remove the weekend mark-up! It's annoying having to transfer currency on a Friday in prep, and I'd much rather just use my card abroad freely without having to think about what day of the week it is. They're also allowing their competitors an advantage and opportunity to differentiate themselves, EG ZING. ^J
Very helpful video, thank you.
Thanks for this content, I gonna try Vivid which offers 5% interest rate😮
Easy way to have Vivid Prime pay for itself and take advantage of all the other benefits. Also, if you use that Stock Rewards Pocket, let me know I'd love to hear feedback on it! ^Jonny
As an FYI, the Revolut Metal Card offered in the USA, still has all the insurance protections, lifestyle protections, discounted lounge access, 5 partner benefits included and cashback offered on a variety of merchants both online and in the physical store.
Interesting, thanks for the tip - also just saw that it includes heavily discounted international transfers and a fee-free ATM network of over 55k. Also looks like you're yet to get RevPoints in the US? ^J
Yonder is a better alternative i think. It's simpler, the cash back is fantastic and it is a credit card unlike revolut. Plus you have the added benefit that customer support sits in the UK not outsourced to some foreign location
So for crypto you have Revolut, Vivid , N26 . Did I miss some ?
💯✌ for this content.
Trading 212 is worth a mention with some competitive interest on currency accounts.
I'll take a look, could be worth including them in Part 2. ^Jonny
Any thoughts on Plutus ?
Question… are we able to redeem these Rev points as a form of discount on let’s say certain clothing/brands?
I'm in the UK and disabled, does Monzo or the others cover "high risk" people for Travel Insurance? Because the monthly fee alone would cover the travel insurance.
Very good. Thank you
I am new to Revolut but what i found attractive that it supports crypto. Although I am not using it as my primary crypto account but found they have higher fee more than i used to use in my noncustodial wallet. Probably not worth it but one new in crypto may find it easy.
If you live in Europe, Revolut works through a Lithuanian IBAN, which goes through SWIFT if you need to receive money in USD. If we're talking about a low-cost fintech banking solution to Revolut, I think Wise is another solution to consider.
So you're suggesting WISE as an alternative to Revolut for being paid in USD? Or more generally and just as a low-cost digital bank? ^Jonny
How good is zing currency card can you do a review please good buddy
Paying a monthly subscription just to get cashback is a stupid concept.
💯
Been a Zen customer for some years now only to find out that when I wanted to use the extended warranty service that would be a dissapointment. Almost 3 months and my case at AXA hasn't been solved. I know it AXA's issue but still Zen needs to change provider.
Hey mate, thanks for sharing your insight, I love the look of Zen, and I'm genuinely gutted that I can't open an account in the UK. Can you share any further insight? What do you mainly use it for? Everyday banking? Also, have you checked out the 'ZEN Care Shopping Protection' feature? Cheers! ^Jony
You don't mention the recent panorama on revolut. It really is quite worrying, are you going to do a video on it
Honestly, I haven't watched it, I did read the immediate news aftermath but now I'll take the time to watch it. ^J
Is there a recommendation for an account that gives access to UK share purchasing?
Personally I use Revolut and Halifax Share Dealing. I would look at which provider charges the lowest trading fees. Revolut isn't the best for this, Trading 212 can be quite cheap but that's not a bank account. ^Jonny
What best card to use in UK so not to be tracked?
A Christmas card?
Thanks unsubbed don't delete.
Can i change my the expense tracking start date on Revolut ?
Yes you can do this in-app. Are you using Revolut Pro? ^Jonny
Oof didn't even realise they removed cash back
Oh I'm sorry to be the bearer of potentially bad news, but check out my video on the recent changes at Revolut, I've timestamped the link. (ruclips.net/video/TW__W5AGKEQ/видео.htmlsi=TY6uC5gnucAsWlIB&t=66). I discuss RevPoints, which has replaced cashback and can be quite lucrative. ^Jonny
Travel Insurance is still available in the EU :) basically the only reason that I still keep this subscription. Interest rates are a joke now.
Yeah I feel you, saving rates in the EU are generally quite poor as well. Which country are you based in? I can take a look around and see what's available. ^J
N26 isn’t available in the UK, only in the EU.
Yes that's true, I did mention this in the video but thank you for pointing it out. ^Jonny
Any reason why sterling bank is not on the list?
I really like Starling Bank, but I wanted this video to provide options for people who may be missing certain benefits or perks, such as cashback. There are A LOT of great options and I will be back with a Part 2 which may include Starling. ^Jonny
Starling is stopping interest on all their accounts Feb 2025
Skrill , Vice ??
You don't mention Bunq?
Oh yeah, Bunq were actually the first provider I considered, but I didn’t include them for a couple reasons.
So, they do offer cashback and travel insurance, but to get those, you’ve got to pay close to €20 a month for the Easy Bank Pro XL plan. And while having multiple local IBANs is great, so is zero FX charges, they're also something you’ve got to pay for.
In the end, it just felt like a lot of their top perks were stuck behind a paywall. And yeah, that’s true for a lot of these providers, but N26 and Vivid seemed like the best value for EEA customers in terms of what you get for the price. Appreciate you asking though! ^Jonny
How is possible that you didn’t even mention Wise?!?
I'm a big fan of WISE, I've spoken a lot about them over the years. I chose not to include them because I wanted to focus on providers that could fill the void of benefits or perks that people may have lost due to changes at Revolut, such as Smart Delay. That said, Revolut Alternatives Part 2 will include WISE. ^Jonny
Lol, you losted everything but the best; Nationwide. They put their insurance up recently, but you get device, breakdown and travel. The travel insurance can be tailored to longer trips by calling and the best bit is you can call a human and get whatever issue immediately fixed without needing a chat ir being put on hold. Plus its not a bank, they are a building society. Money's not rehypothicated.
FYI you 'recoup' a cost, you don't 'recuperate' it.
Good video otherwise. There are so many ways you can slice this analysis - top accounts for cashback, top accounts for travel insurance, best accounts for high earners (which tend to offer decent perks in order to attract said high earners), etc. You could probably make half a dozen related videos!