Virtual Card Payments through a Vault

This means for example subscription payments like Prime, Audible, iTunes that are linked to a virtual card will be able to come directly from a vault.

Monzo has this. I’m surprised HyperJar doesn’t. But Revolut doesn’t have this either! I don’t think anybody else has this feature.

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My guess is this feature was introduced first by Bunq.

Another guess: from Revolut’s perspective, this seems to be something they might add to “Pockets”. They make the clear (and in my opinion unnecessary) distinction that Pockets are for budgeting and Vaults are for saving.

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I forgot about pockets. They are hidden in Revolut. However I can’t even try pockets. Keep getting an error setting up one.

Pockets just plain don’t work. No transactions show as eligible for linking to a pocket and Revolut just claims that it’s the merchant’s fault for not flagging the payment as recurring or something.

Adding virtual cards to pots would significantly improve the budgeting experience. I could pay all my in-store shopping directly from this pocket without the faff of paying with my main account and then withdrawing an equivalent amount from my ‘shopping’ pocket.

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As said in the Vault development propositions subject, the real credit cards of an account and the virtual cards, should be editable to be linked to some subparts of accounts.

The credit cards have a Parameters menu option, allowing lot of things… But there should be a new category of personnalisation, for sort of use. For example, if the card is a physical one, it number should NEVER be used on internet. If the website is sure as Google Pay or Apple Pay (others parodies of Bill !T, only the Virtual permanent credit card should be used… If this is a website for transportation means such as Fairtiq (https://www.fairtiq.ch, another parody of Bill !T, the card should be named automatically and used only for public transportation means. And after these basic cases, each physical card can be linked to specific uses, like where the money should be taken on the account to pay restaurant bills, where the money should be taken from to pay professional tools, where the money should be taken from to pay other specific categories of spenings. For each category, while pressing on it, it should open a submenu showing the different currencies owned and the value of each of them. Of course, the same currency is always prefered, if not requested differently by the user and till there is no fee for him (spendings under the monthly limit defined in his general conditions for the subscription he uses for now. Never constraint your user to anything! And the different Pockets owned by the user, and the Vaults owned or accessible for spendings by the user should be shown, allowing him to select money from there… EJFJ Positive Contextualisation of titles and categories should be done automatically for you, by MediSecure International PSC, sparing any risk, any misuse and any problem for you and any user… All items should be preceeded with a checkbox, and then a number when selected, showing the order in the payment means in the list, allowing theuser to understand that only the selected currencies accounts, only the selected Pockets and only the selected Vaults can be used as source for payment from the current physical card which properties are edited. In each selected money source, the maximum to spend at once can be defined, either with a % sign allowing to select for example maximum 5% of the total amount of this source so allowing minimum at least 20 payments successive with this credit cards till emptying the amount on this source. Then when a payment need to be done use first money of the sub accounts in specific currency, first the one in which the paiement need to be done, then the selected pockets, then the selected Vaults, and finally if the available money on all these accounts is not enough, the payment is done by using other currencies… The account owner should always be able to decide while using the card, if he cancels the payment and keep his money or if he uses what he owns to really make the most efficient payment with less fees possible, and without wasting what was put aside for a long time on Vaults. So, for example, if the maximum amount allowed to be used per each payment on the first Currency/Pocket or Vault is defined at 23.12 €, and maximum 17.34€ defined for the second Currency/Pocket/Vault and the third Currency/Pocket/Vault the maximum value to spend is defined to - meaning anything available, this will be respected on any payment. So when paying 56.20€, 23.12€ will be discounted from the first Vault in the list, 17.34€ will be discounted from the second item (Pocket) in the list, and the 3rd item in the list (Vault) will pay the rest, if available on it : 15.74€. If money is missing, the application should ask the owner if he wants to cancel the payment, use another credit card to put more money on his Revolut account, or if he wants to use money from others sources of his account. This allows to keep a maximum on some vaults even if they are the mostly used to assume unsuspected spendings when the main capital is not enough on the account… And the sources of money need to be first sorted by currency, and then by value owned and credited in the last month… Think of useability, and of investments efficiency for creditors… All should only earn… Spending money allow to spare subsidiary fees after delay… Money belongs to all and need to be used many times per day… According to this, in another field, allow investments in USDT and others solutions to get more benefits…

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