Question: if there's no website, how TF are you supposed to use Monzo or Revolut from a proper computer? Is there really no way to do something simple like xfer money or view balance without using your phone? If so, why did you even open an account, I'm assuming that since you are on this site you are at least a little bit technically inclined.
Just looked, and apparently Revolut is 1) app only 2) tied to a mobile number. So not only is it annoying to use, but likely also susceptible to sim jacking. Again, why would anyone want to use this; I hate having to deal with wells fargo (they bought a loan I have) but even they seem less crappy. Not trying to hate on OP, I'm just shocked at how crap their service appears to be.
> Question: if there's no website, how TF are you supposed to use Monzo or Revolut from a proper computer?
You can't. That's why you don't use them for serious work.
> why did you even open an account
Different use cases, different circumstances. I don't depend on them but they give good exchange rates and zero fees when transferring or spending money abroad. It's the "it just works" and "fast and cheap" effect that the traditional banks don't have. And opening an account is done online, and you get access to your account in hours, compared to Barclays which took 2 months of ping pong, when I first moved into the UK (since I did not have a bill issued in my name at my UK address I could not open an account, so I could not pay my landlord rent so I could get an address to open an account, fun times). Without that Monzo account I could have not been paid in my first 2 months.
But if you want to know how crap Revolut really is, try contacting their support to report a bug in their app, they don't have an email, but instead ask you to get in touch with them on Facebook.
Oh wow, that's even worse than I thought. Thanks for the explanation, that does make sense. I wonder if they could get in trouble for AML, or possibly Barclay's is just being overly picky with who they want as customers.
But seriously, not even a support email? Good God, I would trust PayPal with my money more than that; but I suppose they needed to hit all the fintech bingo buzzwords.
They have to do a KYC (know your client) check, which I assume they do a credit check on you, probably via Experian or another one of these. You also send a picture of your ID, and record a video of yourself saying "Hello, I'm $NAME and I want to open an account with $COMPANY".
The Barclay's part is just an old practice. How I ended up doing it after two months was by having a letter from my employer stating that I'm registered with them at a particular address. But what I learned from somebody else that went through this, after those two months, is that they could have said my "home" address was the address the company is registered at instead. This is how they've used to do it with other people that have hit this problem, it just didn't occur to me to ask for something like this, and it didn't occur to them to suggest this either since they assumed I had everything in order (since I already submitted my Monzo account for salary payments).
Just looked, and apparently Revolut is 1) app only 2) tied to a mobile number. So not only is it annoying to use, but likely also susceptible to sim jacking. Again, why would anyone want to use this; I hate having to deal with wells fargo (they bought a loan I have) but even they seem less crappy. Not trying to hate on OP, I'm just shocked at how crap their service appears to be.