Revolut has a great concept and it works well with some minor drawbacks like sometimes lenghty tansactions but so far so good. The troubles start when you need to engage with their customer sevice. I mistakenly transferred money to an old account of my daughter instead of her youth savings account. I am not sure how this was possible as the old account was never acivated because of the minor age block. This was when I had to enter the customer service hell. No matter that the wrong account was tied to my daughters phone number and no matter that we provided passport copies and no matter that we just asked for reversing the transaction nothing helped to overcome the issue. The money remained in limbo a bit similar to the WW2 Jewish money on Swiss bank accounts and just like a copy / paste business model. I decided to give in, cut our cards and terminate the accounts. My daughter was full of joy when she got her card only to see how her money disappeared in Revolut's process hohles. Now she hates them as much as I do.