Revolut Metal card ?

#1

Hi ! I would like to know if the metal card is a mastercard prepaid like the other premium cards or it’s a mastercard world elite.

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#2

All Revolut cards are prepaid debit cards.

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#3

I’ve just ordered my metal card and according to the BIN number (527346), it’s a real debit card (no prepaid) unlike the premium and free cards.

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#4

BIN databases aren’t reliable. Try different databases, some will say France and some US as county of issuance for example. Prepaid is printed on the back of the card itself.

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#5

Until :r: gets its banking licence it can’t be a real debit card.

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#6

Sure it can. Transferwise operates with the same e-Money license and their card is a real debit card. It’s not just about Revolut’s license but also about the underlying banking services the product is built on.

I am not saying that it would have been a good business decision for Revolut to do so, I am just saying that it would have been possible.

And a banking license is also no guarantee that Revolut is switching to real debit. I would appreciate it, though.

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#7

Hey, you questions is answered here

with many other common questions.

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#8

I’ve posted this somewhere else too. Seems the Metal cards have an « extended » BIN of 8 characters. My card is a Switzerland one, not France or US. I proved this by trying to add the card to various Apple accounts I have. Only my Swiss apple-id would accept the card (tried France, UK and US with no Success)
Hope this helps

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#9

I don’t think BIN checkers are reliable at this point. They rely on third party data, BIN ranges are “recycled” and it takes some time to propagate. Like the change of a DNS server configuration. Only slower.

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#10

True. I don’t know where they get their data, but one things is certain. Whatever means Apple use, they only accept my Metal card for my Swiss apple-id. for my U.K., US and French accounts, I get an error that says credit card is not valid for this country. So my conclusion is that either everyone’s Metal card will be Switzerland (unlikely I think) or the bin is subdivided as binbase.com say, and I get. Swiss card because I live in Switzerland

I’m no expert though…

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#11

How can you tell it’s a swiss card? I don’t see Switzerland on your screenshot.

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#12

Apple also has to use a vendor for the data.

I can imagine two things: Revolut indeed gets ready for Apple Pay and they use a similar approach for it like N26, where they also use number ranges to identify countries, I believe. That’s a wild guess but then it would make sense that Apple uses the same information already to identify a country. (Do N26 cards work for iTunes customers in other countries than Germany? I remember having read they do.)

And second, in case a BIN does not deliver reliable data about a customer’s country, they use AVS to check the billing address of a card. In this case, they would get Switzerland because your Revolut account is registered with a Swiss address.

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#13

As I know, Revolut uses 8 digits BIN for its new cards
So same 6 digits BIN might be actually spread for more countries. first 6 are all seen as France but adding the 7th and 8th might reveal something else.

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#14

I can confirm that the Metal BIN also was accepted at the German iTunes Store. That’s good news. Bad news: e-commerce transactions need to be activated. I would have preferred to have them disabled for physical cards.

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#15

I was using Apple to work out the country. They accept the Metal card for CH but no other country, ergo it’s a Swiss BIN…

However I did a bit more digging in binbase.com and got this 8 character BIN

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#16

I read somewhere that the big issuers we’re running out of 6-character BINs so needed to extend to 8-characters…

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#17

Prepaid Platinum Level sounds fancy. It’s like a Gold Standard Mc Donalds Burger. Or Volkswagen Golf, Bugatti Edition.

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#18

I am surprised that nobody discussed the font choice yet. :wink:

It seems to be the Futura, a 1927 design that influenced the Bauhaus design language. It felt like an odd choice in the beginning. But it grew on me.

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#20

Since we’re speculating about BIN ranges of the new Metal card:

I was surprised that a German ATM wanted to charge me 4,95 for a withdrawal with the Metal card.

I checked the price information, and they say this is the fee for German cards that are issued by a competing bank. For international cards (like other Revolut cards), there is no such fee.

So the ATM identifying the card as German would explain this.

(As far as I know, 8 digits BINs aren’t implemented yet. Mastercard uses a different approach, called “account ranges”. https://www.mastercard.us/en-us/issuers/get-support/account-range.html)

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#21

Ouch. That’s bad. Really bad.

This means you can’t withdraw for free in Germany because basically you have a card from a “competitor” :man_facepalming:
Unless revolut will have a partnership. Otherwise…
That’s a problem…

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