I also have had no issues with Revolut. In fact, I use them as a ‘primary’ bank account (I live in the eurozone and am paid in Sterling so it works perfectly for me).
As others say, be sure you are properly verified and be ready to provide proof of source of funds if requested. It may be better to make a bank transfer to Revolut rather than card transfer, this might be more easily ‘traceable’ and so perhaps lower risk.
The annual top up limit has now gone which was the biggest cause of the account locks, and I believe Revolut now follow a system of looking at account behavioural patterns rather than individual transactions or arbitrary limits.
So for example, if you receive salary to your Revolut account on a regular basis from the same source, this shouldn’t trigger any blocks (And it hasn’t done for me).
Maybe an option is to open an offshore US account or dollar account if such a thing is available? Then you could use Revolut to do the FX transfer, but then transfer straight out to a dollar account if you are concerned about holding large sums for any duration.
In fact, this is exactly what I do - I’m paid in GBP to Revolut account details, exchange to Euro and then use the Revolut account for card payments, direct debits and scheduled transfers out.
At the end of the month, I simply make a SEPA transfer to a legacy bank Euro account of any surplus so I’m not accumulating too much in Revolut at any one time.
Not that I don’t think for the vast majority of people there are any issues - it’s just that the occasional story that does surface does make you wary.
Although I do feel that legacy banks probably have the same, if not more, complaints from customers - it’s just more visible with the Fintechs with their online communities. And people are more likely to visit a forum to sound off for perceived bad service rather than compliment.
Oh, btw customer service is very, very slow.
But again, absolutely no problems from my point of view and I’ve used then a couple of years now.
Hope this helps