This is just one giant pyramid scheme that is going to implode. A lot of people are going to lose their money. A lot of them already have. These wan**rs are getting rich while authorities do nothing. Had to open a second account after closing the first one myself ( read my first review) . A small refund was sent to a closed account and that's the only way I thought I would be able to retrieve it. Wasted a lot of time as usual on their chat speaking to moronic employees ,who eventually decided they would not refund the money. Yes it is official , I have it in their chat transcript : they have decided to keep the money that is not theirs. These scam artists need to be stopped before a lot of people lose a lot of money, you have been warned! Eastern European gangsters have found a legitimate way to rob people with authorities dong absolutely nothing about it. Remember when something is free , you are a product. Not only are they steeling customers' money they are also gathering valuable information that they may sell to other criminals. Its a win win for the wan***rs. All the positive reviewers (most of whom are "invited" IE paid or otherwise encouraged to praise them) just haven't had their money stolen, YET, but they will learn. EVENTUALLY. After all there is no shortage of stupid people on this planet! What you need to remember is that Revolut is not a bank it is not a financial institution, its a fin app (whatever the f* *k this is), it is not regulated in Ireland, what it means is: if they decide to keep your money under numerous excuses they use, there is absolutely nothing you can do! Nobody is going to help you. As simple as that!