Just had my virtual card used, my phone was locked and by my bed. Without shadow of doubt it was not though my phone. Revolut deny this is possible but just read their community forum it’s full of the same, I even sent them a screenshot of exactly the same company doing it to someone else 3 months ago. They know there is a major security issue with their system but will not admit it. Use Monzo instead Revolut put their standard reply & never deal with the issue they know they have, just look, the card was a virtual disposable card, basically a card that can only be used once, supposed to be secure, they ask you to open a case for chargeback but the only way to do this is agree your card was compromised, basically agreeing it is your own fault. The card was apparently used and authorised through my phone at 07:08 when I was asleep and the phone next to me, as I say I am 100% sure without shadow of doubt this did not happen. Revolut have a big security issue and flaw and your money is at risk if you decide to use them. It truly is a shame as I liked the app but now reading online this is common and revolut blame the customer.