Be aware of the limits of Revolut Prepaid Card 😡


I had many awfull experiencies with the Prepaid Debit Card. Many merchants don’t accept it (car rental, online purchase, etc.), and when they do, it is a pain in the ass to get you money back if you have given a guarantee. Many times as the merchant unlock the deposit (with proof sent by email), Revolut pretend they have nothing new and continue to block your money for more that a week. This is not acceptable.
They say you can use Revolut as your primary account, but I do not advise to do so. I am disappointed, and will go to a REAL bank for my main activities.


Never had a problem using it for online purchases.

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Try to book a car with it…


I don’t count booking a car as an online purchase. :smiley:


This is well established that car rentals usually don’t accept prepaid cards for security deposits. You should be able to pay the rental fee without problems, though. Most car rentals explain this on their website, this example is from Hertz:

The use of a debit / prepaid card is ONLY accepted for online prepayment, as we do NOT accept debit / prepaid cards as a guarantee.

The refund process or the process for releasing such a deposit also doesn’t differ much from credit cards. With credit cards you just don’t notice it because there’s no account balance that reflects it. Security deposits reduce a card limit, but might not show up as a purchase.

Having said this, Revolut is indeed slightly slower than some competitors in handling refunds, but not by a large margin. At least that’s my experience.

While we’re on the topic: prepaid cards also don‘t work in situations where the POS terminal doesn’t have an online connection: on trains, planes, some vending machines …


1 time in foreign country I encountered hotel which happily accepted payment with normal credit card, but as security deposit wanted only cash. No idea why.


It is a card on the cheap :wink:


Renting a car is definitely a special domain of card payments. In many cases renting a car requires a credit card and not a debit card.

Hotels may require a security deposit and as far as I’m concerned the same rule can apply.

So overall this doesn’t seem to be an issue with Revolut.

I have already payed 500+ of times at merchants and in online stores and never ever faced a problem. So without knowing the specifics (which goods / merchants giving you a problem) its hard to say if its because of Revolut or something else.


I suggest to always check informations available on the car rental’s website. They know this is a nuisance and usually provide informations about it. Many car rentals in the UK do accept debit cards for small and medium sized cars, for example. (Debit, not prepaid!) – They usually explain their policy about this on their website.

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I am happy how it works
Its the same with a hotel
Take a week or 2 before the money from the deposit are released
My standard bank card, mastercard debit, its take 31 days
So happy with revolut its only 1 week