Top-up from Credit Card now seen as Cash Advance

Obviously got my dates totally wrong. Vanquis statement arrived in the post this morning and Revolut top-up was seen as a purchase…no fee, no interest :+1:


I asked my bank to tell me the MCCs revolut used.
After i ran into the fees the first time, Revolut changed the MCC and i had no more fees in March.
They changed it for two times in march.
And as you can see, Revolut changed the MCC again somewhere between 20. March and 15. April.
So, it’s just not true, when chat support tells me now, that the MCC was unchanged since the last time i contacted them because of this issue.


I have been topping up through a debit card here is US. There is no fee charged by my bank as well as Apple Pay so far.

First of all Revolut doesn’t change a thing… VISA or MasterCard only can change MCC code. And second for me with VISA the code is not changed since mid February…
Revolut can’t do anything if MasterCard (or VISA) don’t want to turn the code back.


so, migros cumuls card now has or has not fees for topup?

No fee for Cembra Cumulus

I just topped up the miminum amount via Google Pay from my credit card. I was charged 28c on a €15 top up. I’ve never been charged before, and topping up manually with the same card incurs no fee. Has anything changed in the last few days? Super annoying as i didn’t see any fee lisyed until after i tapped the Google Pay button and verified my fingerprint.

I noticed Google Pay mentioned but it hasn’t really been clarified: is Google Pay passing the original MCC or not? If yes, then if the card issuer charges cash advance fees when topping up directly from some card, then it will still charge cash advance fees if topping up via Google Pay from the the same card.

I assume so, otherwise the card issuer would have no control over card usage altogether. They would not agree to that with Google and Apple.

Exactly. Although Curve shortcircuited that for a while. Revolut support (screenshots above in this thread) was suggesting to use Google Pay to avoid topup fees, but they most likely meant it should be backed by a debit card.

This might work for you - Whilst you cant add funds via a reward credit card (via cure or directly) you could add funds via a card thats happy for fee free advances and pay it with curve to my reward card - Im just waiting to see the latter isnt seen as a cash advance etc

I can confirm this worked with no interest or other fees…

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I can confirm that there are still fees. I have tried both my standard MasterCard and my Virtual MasterCard, both top-ups appear as bank transfers and are charged a fee. I have requested the MCC codes from my bank to see them and will post after they respond. But it is completely hit or miss with the top-ups. One day it gets described as Money Payment and I have no fee, and then the other day it appears as money transfer and I get charged anywhere from 0.1 pounds to 3 pounds, depending on if the bank are generous. When I called them they just said: “That is what revolut is telling us. If they tell us this is a bank transfer we charge a fee. If they tell us it is a payment or ATM operation we do not charge a fee.” I had no problem in May, the problems started in June. One transaction with fee, one with no fee, depending on the day, I guess.

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Interestingly despite Revolut recommending using google pay the exact opposite happens with my bank (santander UK). If I top up directly with revolut there is zero fees using google pay it’s classed as a cash advance with interest and fees.

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18th June did a test £20 topup from my Vanquis credit card, still no fees and no interest

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Did you top up from Google pay using a credit card? Just wondering if I use google pay and my linked card is a credit card will I be charged

For me Google Pay using my Santander Credit Card= Cash Advance. Top up directly in revolut using the same credit card=Purchase.

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I don’t use Google Pay, only topup direct from credit card, did another small (£20) test from Vanquis yesterday, again seen as purchase, no fee. My Capital One (Mastercard) card charges fee + interest, my Amazon (Newday, Mastercard) card refuses to allow topup, or rather it did last time I tried. Maybe because they offer a cash advance interest free for 6 months directly into my bank account.

Vanquis (Visa) is now my go-to card if I need to topup from credit card

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Thanks for your reply, only will have to try and see if the same with nationwide credit card.

Update: Vanquis have now started charging topup as cash Advance so all my cards (Amazon, Capital One, Aqua and Vanquis) now charge for topups. Best Revolut facility (in my opinion) now no longer available