If I could put zero stars, I would. I am in my mid-50's, and very savvy to what good and bad customer service looks like. In my opinion, REVOLUT should be shut down by regulators in all countries. My story: Never used my card. It was an incentive card from my company. We had the option to move our incentive bonuses to the Revolut card, and it seemed like a good idea. Ha! I was saving the $295 for a weekend getaway. I NEVER used the card. Stayed in my wallet. The card was NOT lost or stolen. All of a sudden, multiple attempts were made to use my card all over the United States. Contacted the chat customer service - Ridiculous that this is the only way to dispute, and is a huge red flag. Bottom line: To their (only) credit, Revolut did flag the suspicious, multiple attempts. Once I confirmed the charges were fraudulent, they canceled my card, and gave me a new card, because they could see it was obvious fraud. Now they refuse to refund my card for one charge that was "Delayed", and eventually moved to "Reverted" status. The transaction, as with all the other fraudulent charges, shows the charge with a strike (line) through it, so Revolut is not paying the vendor. Yet, they still won't refund me! Quick note - The charge was to a health club that is 685 miles from my home! Pull out all of your money, cancel your card, and have your friends do the same. This company is conducting business in a way that borders on criminal activity, and breaks VISA's Zero Liability Policy, which promises fraudulent funds to be returned within 5 business days of the report being filed. Note, with my attachment, it states I have not been charged, yet I have not been refunded the money....