I have used Revolut sincer 2018 and I loved it. Great exchange rates, fast transfers, great app which is incredibly easy to use IMO. It was good up until the moment I actually needed their assistance. Last week I had money taken from my account through phishing. I completed an online form for a chargeback and not even 10 minutes later I got an email that my chargeback claim has been denied. That's the first red flag. People might think fast responses are good, but they are not. When I ran into the same problem with ING, they took a month to investigate and look into it. Revolut thinks that in under 10 minutes you can solve a case of fraud? Bad. Second red flag was that they didn't even ask me for additional information. They just straight up refused looking into it further because I guess, more work for them to do? So I proceeded to contact a live agent and discuss it with them. I gave them all the proof that showed I was scammed, screenshots, THE POLICE REPORT, everything. And all they had to say was "we are so sorry but our team decided this case is closed, so you have to cooperate only with the police from now on". Right. Thankfully at least the police is professional and I am making progress with them. But Revolut has been shameful. After 4 years of being their client I canceled my card and will never support Revolut in any way again. I will stick to real banks that take the time and responsibility to do their job properly. There are a lot of things to complain about with INF, Raiffeisen, Erste, Barclay's etc, but all of them, when I filed a complaint, actually did a thorough investigation and cared about my situation. Revolut is a flaming piece of garbage when it comes to this.