I presume it’s the now deleted tweets that were the problem
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Unfortunately, I signed up without being aware of a referral. I am now loathe to pay the £4.95. I do like the app though, and they do offer a free ‘virtual’ card for internet transactions. I also use the separate euro account, but, of course, Revolut offers a much wider currency range.
Monese also offers an internet platform. You can’t transact on it, but you can check activity and balances.
To be honest I don’t ‘trust’ Monzo any more than I do the likes of Revolut, Monese or TransferWise. They have all had bad publicity. And I say that as an investor in Monzo. I suppose it’s all a question of assessing and managing risk.
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Does the FSCS protection Monzo has count for nothing to you?
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Your reply has lost the context of my post, by only selecting one part. Hence my comment about risk.
As an investor, I have 2 things to lose, my balance and my investment. Also FWIW I think the FSCS is as much use as a chocolate fireguard. Never trust a body that keeps changing its name. Same for the various ombudsmen. A personal opinion.
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I think in an armageddon scenario the FCS protection would be like a chocolate fireguard , however if you had a million quid would you put the whole amount in to a bank with or without FCS , would you spread it between banks with FCS protection or just put the whole amount in to a bank offering 1.7% interest but no FCS protection ? whatever you think about the pointlessness of FCS protection the human nature I think would say look for FCS protection first
None of the above, it would be in assets 
(property)
Edit - but for my day to day spending (which, if I was that well off would all be on reward cards which would be paid off each month), I wouldn’t keep more than say, £100k in a bank account.
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lol shares have just lost 13% +++ this week , I assume your point would be that there are more kinds of “assets”
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They do occasionally run free card promotions for existing customers 
Possibly worth keeping an eye out.
going a bit off topic … I wonder how lucky Revolut feel having closed the funding round before the “crash” if it continues or is “just” a blip / correction / depression
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A lot of the turmoil in the stock market being put down to the lack of trading due to this coronavirus.
Personally, I think it will put itself right before too long.
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I think more to lack of supplies, leading to lack of trade, leading to loss of profits, leading to downgraded forecasts , leading to selling of stock , leading to more selling of stock
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Well, that’s obviously a no-brainer. You may be fortunate enough to be talking about a million pounds, but I’m certainly not. Put it this way, I don’t hold more than £100 in any of these accounts. Although I could do at short notice if I chose to for some reason. Meanwhile, I have reduced my balance in Monzo to £1.
I was very disappointed by the Monzo response to bad publicity and examples and complaints about unilateral freezing of accounts. I don’t really think an apparent attitude of ‘tough sh1t’, ‘deal with it’ or sending details of locations of food banks is appropriate or constructive.
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I’m not sure how much use I would get out of Amazon gift cards tbh. Or are you referring to something else?
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It’s a “virtual” gift card that you can load onto your Amazon account and then spend.
We use Amazon quite heavily, so 20% discount is quite a bonus for us.
Another advantage they have is their 10 year expiry date 
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I, probably like many others use the app based accounts as everyday accounts and have any larger amounts stashed in institutions with FSCS.
(Although I’m nowhere near the £85,000 threshold)
The likes of Revolut, Monese, etc do have FCA cover, which at least means they’re not actually using your money for their own business, and as far as I understand, both the FinTech and the bank where your money is held would both have to go bust for you to lose everything.
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so Im a bit confused now on the FSCS website searching Revolut comes up with Revolut Ltd , is this Revolut ??
gives no protection for any of your funds - what am I missing ?? presumably Revolut acts under a Latvian banking licence ??? not UK
Your funds are held in a separate, ring-fenced account. The risk of you losing your money is the same risk as either Barclays or Lloyds going bust. No technical protection. But there money is there and it’s ringfenced. Revolut can’t just fly away with it. Even if Revolut went bust your money is still available in the Barclays/Lloyds account.
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So its held by which Barclays or Lloyds ?
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One or both, I’m not sure there’s a mechanism for checking other than asking. Either way, in the event Revolut went bust as long as whichever bank your money is ringfenced in doesn’t go bust at the same time the money will be returned to you as a priority. I’m sure as part of the FCA regulations this is all planned out officially as to how customers will know and what the procedure is.
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I don’t think Revolut Trading is going to suit everyone, but it is a fairly inexpensive way of dabbling in the stock market.
This article explains it much better than I ever could:
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