allow rollover of free ATM withdrawal allowance

[capital]

@casaschi

Now Revolut has a choice to make:

they keep everything as it is today, making it very complicated (but possible) to use my 2400 (200 x 12) allowance every year (even if I only travel to Euro countries very few times every year, even only once)

alternatively, they could do the sensible action for a business that tries to makes it easier for their customer (after all they want to be different from traditional banks) and allow users to use the annual 2400 (200 x 12) allowance every year even for people travelling to Euro countries very few times every year; the rollover idea for example would be equivalent to the manual workaround as per option 1.

-ATM withdrawals, especially foreign currency/location withdrawals, are expensive for a retail bank, due to the fees involved.
-Problem with allowing withdrawal allowances to be ‘stored up’ is that during the ‘holiday’ periods (Summer, Christmas holidays, …) Revolut will incur significant losses, and whilst the time periods are predictable, the volume of demand (for foreign ATM withdrawals.) may significantly increase losses at the firm.
-Point of Revolut is that it’s not just a card used for foreign currency withdrawals. Plenty of other features, including currency card spending and currency exchange within the app, that make it stand out.
-‘Fair usage’: In a previous discussion on the concept of ‘fair use’ (Stop calling €200 "fair usage"), the idea of an ATM quota was discussed. Additionally, other mobile-first fintech challenger banks are also planning on implementing withdrawal quotas due to foreign ATM withdrawals being a significant cost base.