{"id":5424,"date":"2020-03-04T23:58:34","date_gmt":"2020-03-04T22:58:34","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/revolut-credit-card-switzerland-experiences-from-us-in-everyday-life-and-abroad\/"},"modified":"2024-12-08T14:10:43","modified_gmt":"2024-12-08T13:10:43","slug":"revolut-credit-card-switzerland-experiences-from-us-in-everyday-life-and-abroad","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/revolut-credit-card-switzerland-experiences-from-us-in-everyday-life-and-abroad\/","title":{"rendered":"Revolut Switzerland Our experiences in everyday life and abroad"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 6<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">We like to travel and often. Last year, we were on three continents. As international travelers, we have therefore had experience with traditional credit cards and with Revolut Switzerland. Do you want to pay less and get more? Read on and we&#8217;ll tell you how.<\/span><\/p>\n\n<!--more-->\n\n<h2 class=\"wp-block-heading\" id=\"revolut-schweiz-erfahrungen-unterwegs-im-ausland\">Revolut Switzerland Experience abroad<\/h2>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-33b54fe ugb-container--v2 ugb-container--design-basic ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-33b54fe-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-33b54fe-content-wrapper\">\n<p class=\"has-small-font-size\" data-block-type=\"core\"><strong>Note<\/strong><br\/><br\/>The opinions expressed in the article are solely those of the author and do not reflect the opinions and beliefs of Revolut.\nWe report on Revolut because many readers are interested in it.\nHowever, this article is not a recommendation to become a Revolut customer.  <br\/><br\/>If you have problems as a Revolut customer, please contact Revolut directly. We are NOT Revolut customer service and do not process support requests. You can find many answers and a Revolut contact address <a href=\"https:\/\/www.revolut.com\/legal\/terms\/\" target=\"_blank\" rel=\"noopener\">here<\/a>.  <\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Last year we traveled longer in the USA. On a weekend trip to Las Vegas, we used both our traditional credit card and Revolut to withdraw and pay on the same day. Back home in Switzerland, we took a closer look at both accounts. For 2,000 francs, there was a whopping 50 francs difference in fees! Hey, that would be nice for dinner there. Only because we paid with the wrong card. Come on, really?<\/span><\/p>\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-4139aa8 stk-block-background\" data-block-id=\"4139aa8\"><p class=\"stk-table-of-contents__title\">This is what the article on the Revolut Switzerland experience is all about:<\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#revolut-schweiz-erfahrungen-unterwegs-im-ausland\">Revolut Switzerland Experience abroad<\/a><ul><\/ul><\/li><li><a href=\"#revolut-kreditkarte-so-funktioniert-sie-in-der-schweiz\">Revolut credit card: How it works in Switzerland<\/a><ul><\/ul><\/li><li><a href=\"#unsere-revolut-schweiz-erfahrungen-mit-der-kreditkarte-im-inland-und-ausland\">Our Revolut Switzerland experience with the credit card in Switzerland and abroad<\/a><ul><li><a href=\"#wo-wird-revolut-akzeptiert\">Where is Revolut accepted?<\/a><\/li><li><a href=\"#wie-lade-ich-geld-auf-meine-revolut-kreditkarte-und-wie-schnell-geht-das\">How do I load money onto my Revolut credit card and how quickly can I do this?<\/a><\/li><li><a href=\"#h-achtung-neue-gebuhr-fur-einzahlungen-aus-der-schweiz\">Attention, new fee for deposits from Switzerland<\/a><\/li><li><a href=\"#wie-funktioniert-das-automatische-aufladen-auf-revolut\">How does automatic top-up work on Revolut?<\/a><\/li><li><a href=\"#h-unser-tipp-guthaben-klein-halten-und-mit-aufladefunktion-arbeiten\">Our tip: keep the balance small and work with the top-up function<\/a><\/li><li><a href=\"#lohnt-sich-revolut-auch-beim-online-shopping-im-ausland\">Is Revolut also worthwhile for online shopping abroad?<\/a><\/li><li><a href=\"#besser-mit-paypal-oder-mit-revolut-kreditkarte-bezahlen\">Better to pay with Paypal or with Revolut credit card?<\/a><\/li><li><a href=\"#klappt-revolut-mit-apple-pay-und-google-pay\">Does Revolut work with Apple Pay and Google Pay?<\/a><\/li><li><a href=\"#kann-ich-mit-der-revolut-karte-kontaktlos-bezahlen\">Can I pay contactless with the Revolut card?<\/a><\/li><li><a href=\"#brauche-ich-noch-eine-andere-kreditkarte-als-revolut\">Do I need another credit card than Revolut?<\/a><\/li><li><a href=\"#bietet-revolut-auch-bankleistungen-an\">Does Revolut also offer &#8220;banking services&#8221;?<\/a><\/li><li><a href=\"#was-sind-virtual-cards-und-welchen-vorteil-haben-sie\">What are virtual cards and what are their advantages?<\/a><\/li><li><a href=\"#was-sind-virtuelle-einwegkarten-zum-sicheren-einkaufen-online\">What are &#8220;virtual single-use cards for secure online shopping&#8221;?<\/a><\/li><li><a href=\"#kann-ich-bei-revolut-kreditkarten-sperren-und-entsperren\">Can I block and unblock credit cards with Revolut?<\/a><\/li><\/ul><\/li><li><a href=\"#zusammenfassung-unserer-erfahrungen-mit-der-revolut-kreditkarte-in-der-schweiz\">Summary of our experience with the Revolut credit card in Switzerland<\/a><\/li><\/ul><\/nav>\n\n<h3 class=\"wp-block-heading\" id=\"so-kommen-die-50-franken-gebuhrenunterschied-zustande\">This is how the CHF 50 difference in fees comes about<\/h3>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">If you pay by credit card abroad, your card provider earns twice as much. Firstly, there is a processing fee for the foreign transaction because you are not paying in francs, but in euros, dollars or another currency.\nThis is at least 1.5 % of the invoice amount.  Secondly, the Swiss franc currency has to be exchanged for the foreign currency because you pay abroad in a foreign currency. When it comes to the conversion rate, every provider has some leeway as to which rate they will give you. With our free Mastercard from Cembra Moneybank Bank, we paid 1.5 % fees for foreign transactions.\nThe foreign currency exchange rate was worse than Revolut&#8217;s, so the total difference was 2.5 % points.  That made a difference of 50 francs to 2,000 francs.<\/span><\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-6eb59b4 stk-block-background\" data-block-id=\"6eb59b4\"><style>.stk-6eb59b4 {background-color:#02b875 !important;}.stk-6eb59b4:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-6eb59b4-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-b8963ce\" data-v=\"4\" data-block-id=\"b8963ce\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-b8963ce-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-b8963ce-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-in-lokaler-wahrung-bezahlen\">Our tip: pay in local currency<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">When withdrawing money or paying abroad, the terminal often asks you whether you want to pay the amount in local currency or in your home currency. Choose the local currency here, <a href=\"https:\/\/www.smolio.ch\/wissen\/ferienzeit-geldwechselzeit-so-zahlst-du-weniger-fuers-fremde-geld\">experience has shown that<\/a> this is cheaper. Some time ago, the SRF Kassensturz also looked at the promise made by Revolut and other new providers such as Neon that they are significantly cheaper than traditional providers in terms of fees and surcharges, especially when used abroad. And finally<sup data-fn=\"ee95b5cc-68cf-424e-8b13-40e414dc1ec7\" class=\"fn\"><a id=\"ee95b5cc-68cf-424e-8b13-40e414dc1ec7-link\" href=\"#ee95b5cc-68cf-424e-8b13-40e414dc1ec7\">1<\/a><\/sup>that they will keep this promise.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"revolut-kreditkarte-so-funktioniert-sie-in-der-schweiz\">Revolut credit card: How it works in Switzerland<\/h2>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Revolut is a global fintech founded in the UK in 2015. Revolut also offers a free prepaid credit card and app in Switzerland. This gives you massive fee savings when spending or transferring money on the go. You can open your app-based Revolut account on your cell phone in just a few minutes. You can hold money in your Revolut account in up to 31 different currencies and pay free of charge in over 150 countries with a contactless Mastercard. You can withdraw up to CHF 240 (EUR 230 or the equivalent of \u00a3200 in other currencies) per month from ATMs free of charge.   <br\/>More than 1,500 employees serve around 18 million private customers, including more than 1 million in the German-speaking region. We have been using Revolut since its launch in Switzerland for payments in Switzerland and abroad and have had a good experience so far. <\/span><\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-6627\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png\" width=\"1200\" height=\"800\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-800x533.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-315x210.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-768x512.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-360x240.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-400x267.png 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-addbbcb\" id=\"finde-die-beste-saule-3-a\" data-block-id=\"addbbcb\"><style>.stk-addbbcb .stk-block-heading__text{color:#ffffff !important}<\/style><h3 class=\"stk-block-heading__text has-text-color has-text-align-center\">Find the best pillar 3a<\/h3><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c2849cd\" data-block-id=\"c2849cd\"><style>.stk-c2849cd .stk-block-text__text{color:#ffffff !important}<\/style><p class=\"stk-block-text__text has-text-color\">Unbelievable &#8211; most people pay too much for their pillar 3a and get too little return.\nAre you one of them?\nFind out which pillar 3a is best suited to you with just a few clicks in our free comparison.    <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-38be4a0\" data-block-id=\"38be4a0\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-center stk-block stk-1f879d2\" data-block-id=\"1f879d2\"><style>.stk-1f879d2 .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/finder.smolio.ch\/\" target=\"_blank\" rel=\"noopener\"><span class=\"stk-button__inner-text\">Find the best pillar 3a<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"unsere-revolut-schweiz-erfahrungen-mit-der-kreditkarte-im-inland-und-ausland\">Our Revolut Switzerland experience with the credit card in Switzerland and abroad<\/h2>\n\n<h3 class=\"wp-block-heading\" id=\"wo-wird-revolut-akzeptiert\">Where is Revolut accepted?<\/h3>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Revolut is backed by a Mastercard card. Wherever you can pay with a Mastercard, this also works with Revolut.<\/span><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"wie-lade-ich-geld-auf-meine-revolut-kreditkarte-und-wie-schnell-geht-das\">How do I load money onto my Revolut credit card and how quickly can I do this?<\/h3>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Revolut is a prepaid credit card. You can therefore only spend as much as you have previously transferred to your account. To top up money, you specify once in the app when setting up your account which credit card is to be charged.   In addition to Revolut, you therefore need another (free) credit card, e.g. from Cembra Moneybank. After that, you can top up any amounts you want at any time. The money is there within a few seconds and you can pay with it immediately. Alternatively, you can also top up via bank transfer. It will take a little longer before the money is there. So if control over your credit is important to you, then manual top-up with a stored credit card is a good solution for you.<\/span><\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-7f8e3d8 stk-block-background\" data-block-id=\"7f8e3d8\"><style>.stk-7f8e3d8 {background-color:#02b875 !important;}.stk-7f8e3d8:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-7f8e3d8-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f08d2fd\" data-v=\"4\" data-block-id=\"f08d2fd\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f08d2fd-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f08d2fd-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-achtung-neue-gebuhr-fur-einzahlungen-aus-der-schweiz\">Attention, new fee for deposits from Switzerland<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Since November 2022, Revolut charges a fee when you top up your account with cards from Switzerland.\nThis fee is 1.15 % for debit cards and 1.5 % for credit cards issued in Switzerland.<br\/>They will inform you before you confirm your deposits.\nThis fee applies to users of the standard subscription; the fee-based subscriptions continue to be free of charge.\nAlternatively, you can continue to add money free of charge via local bank transfers.\nRevolut justifies this by saying that Switzerland is not part of the EEA and deposits made with cards issued in Switzerland are therefore classified as international transactions and charged to them &#8211; <strong>they pass these fees on to you as a user. <\/strong>     <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"wie-funktioniert-das-automatische-aufladen-auf-revolut\">How does automatic top-up work on Revolut?<\/h3>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">If convenience is more important to you than control, you can use the automatic charging function. For example, we have set a limit of 500 francs on our Revolut account. Whenever this limit is undershot, our credit card is automatically charged with an amount specified by us and the Revolut account is thus loaded. <\/span><\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-8247273 stk-block-background\" data-block-id=\"8247273\"><style>.stk-8247273 {background-color:#02b875 !important;}.stk-8247273:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-8247273-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-202be73\" data-v=\"4\" data-block-id=\"202be73\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-202be73-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-202be73-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-guthaben-klein-halten-und-mit-aufladefunktion-arbeiten\">Our tip: keep the balance small and work with the top-up function<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Revolut has been operational for several years. But you never know: keep your balance on the Revolut account only as high as it corresponds to your usual expenses and use the automatic top-up function.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"lohnt-sich-revolut-auch-beim-online-shopping-im-ausland\">Is Revolut also worthwhile for online shopping abroad?<\/h3>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Yes, whenever you buy goods or services in another currency, you benefit from lower fees and a favorable foreign exchange rate when using Revolut compared to a traditional card. If you&#8217;re all over <\/span><i><span style=\"font-weight: 400\">a <\/span><\/i><span style=\"font-weight: 400\">card, there is nothing to stop you paying with Revolut in Switzerland too. <\/span> <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"besser-mit-paypal-oder-mit-revolut-kreditkarte-bezahlen\">Better to pay with Paypal or with Revolut credit card?<\/h3>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Both. You pay the seller with Paypal and deposit your Revolut card with Paypal. This is how you benefit from PayPal buyer protection and the favorable conditions for international payments from Revolut. <\/span><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"klappt-revolut-mit-apple-pay-und-google-pay\">Does Revolut work with Apple Pay and Google Pay?<\/h3>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Clear. Both is possible. You can add the Revolut card to your Apple Wallet or Google Wallet as usual. You can then pay with your iPhone, Apple Watch or Android device.  <\/span><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"kann-ich-mit-der-revolut-karte-kontaktlos-bezahlen\">Can I pay contactless with the Revolut card?<\/h3>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Yes, you can use your Revolut plastic card to make contactless payments at appropriately equipped terminals.<\/span><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"brauche-ich-noch-eine-andere-kreditkarte-als-revolut\">Do I need another credit card than Revolut?<\/h3>\n\n<p data-block-type=\"core\">Depends on. You can top up Revolut from other credit cards or directly from your postal or bank account. This means that you don&#8217;t actually need another card to use Revolut. Whether you want another card depends on the benefits that the additional services of this card bring you. Keywords: cashback or insurance.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"bietet-revolut-auch-bankleistungen-an\">Does Revolut also offer banking services?<\/h3>\n\n<p data-block-type=\"core\">Revolut is currently primarily a low-cost credit card with excellent exchange rates. The exchange rate fees may vary depending on the plan selected; the Revolut T&amp;Cs apply. A relatively new feature is that you can also buy <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/blockchain-and-bitcoin-how-to-prepare-for-the-financial-market-of-tomorrow\/\">cryptocurrencies <\/a>and hold money in different currencies.   For example, you can top up your travel or shopping budget when you have a good opportunity.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"was-sind-virtual-cards-und-welchen-vorteil-haben-sie\">What are virtual cards and what are their advantages?<\/h3>\n\n<p data-block-type=\"core\">You can use it to set different pots with different <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/fun-is-a-must-budget-planning-with-a-fun-quota\/\">spending limits<\/a>. Of course you can give each pot a suitable name. The virtual cards each access your available balance at Revolut. This way you can keep your spending on the various pots under control.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"was-sind-virtuelle-einwegkarten-zum-sicheren-einkaufen-online\">What are &#8220;virtual single-use cards for secure online shopping&#8221;?<\/h3>\n\n<p data-block-type=\"core\">Well, sometimes we&#8217;re not quite sure whether we really want to enter and save our real credit card details when shopping online. Better safe than sorry. This is where Revolut&#8217;s virtual disposable cards come into play.<\/p>\n\n<p data-block-type=\"core\">The one-off cards are available to you at any time and you can specify a new one-off card with the corresponding details each time you make a purchase. Or you can give this card to a friend for a one-off payment without your &#8220;real&#8221; card details becoming known.<\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-4137773 stk-block-background\" data-block-id=\"4137773\"><style>.stk-4137773 {background-color:#02b875 !important;}.stk-4137773:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-4137773-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-6107eb3\" data-v=\"4\" data-block-id=\"6107eb3\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-6107eb3-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-6107eb3-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-extra-tipp-aufladen-mit-cashback\">Our extra tip: top up with cashback<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">If you top up your Revolut account with cashback using a credit card, you will also receive a sales bonus on your credit card. For example, at Cembra Moneybank on the Certo!\nCard 1,000 francs 0.33%. <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"kann-ich-bei-revolut-kreditkarten-sperren-und-entsperren\">Can I block and unblock credit cards with Revolut?<\/h3>\n\n<p data-block-type=\"core\">Yes, you can do that easily in the app. If a card is blocked (e.g. because a transaction seems suspicious), you can unblock your card yourself. You don&#8217;t need to call a hotline and wait for minutes.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"zusammenfassung-unserer-erfahrungen-mit-der-revolut-kreditkarte-in-der-schweiz\">Summary of our experience with the Revolut credit card in Switzerland<\/h2>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Withdrawing money abroad can be expensive &#8211; but you can avoid this with a little <a href=\"https:\/\/www.smolio.ch\/wissen\/ferienzeit-geldwechselzeit-so-zahlst-du-weniger-fuers-fremde-geld\">preparation<\/a>. Because expensive fees for foreign payments don&#8217;t have to be &#8211; you can say goodbye to high costs in just a few minutes.  Our experiences with Revolut in Switzerland and abroad show that we save a lot of money on every purchase abroad compared to conventional credit cards. If you spend 2,500 francs a year in Europe, the UK or Switzerland, you will pay 25 times less with Revolut than with a traditional credit card from a major Swiss bank, according to calculations by Kassensturz.<\/span><\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-31gqfo0 stk-block-background callout\" data-block-id=\"31gqfo0\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-31gqfo0{background-color:#02b875 !important;margin-bottom:40px !important}.stk-31gqfo0:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-31gqfo0-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-grnubpw\" data-v=\"4\" data-block-id=\"grnubpw\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-grnubpw-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-grnubpw-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-mwip1s3\" data-block-id=\"mwip1s3\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu&#x308;bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-p4rzdb6\" data-v=\"4\" data-block-id=\"p4rzdb6\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-p4rzdb6-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-p4rzdb6-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<ol class=\"wp-block-footnotes\" data-block-type=\"core\"><li id=\"ee95b5cc-68cf-424e-8b13-40e414dc1ec7\">Kassensturz test 25.02.2020, <a href=\"https:\/\/www.srf.ch\/news\/wirtschaft\/kassensturz-test-banken-app-oder-traditionelles-bankkonto\" target=\"_blank\" rel=\"noreferrer noopener\">link<\/a> <a href=\"#ee95b5cc-68cf-424e-8b13-40e414dc1ec7-link\" aria-label=\"Jump to footnote reference 1\">\u21a9\ufe0e<\/a><\/li><\/ol>","protected":false},"excerpt":{"rendered":"<p>We like to travel and often. Last year, we were on three continents. As international travelers, we have therefore had experience with traditional credit cards and with Revolut Switzerland. Do you want to pay less and get more? Read on and we&#8217;ll tell you how.<\/p>\n","protected":false},"author":8,"featured_media":4309,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"[{\"id\":\"ee95b5cc-68cf-424e-8b13-40e414dc1ec7\",\"content\":\"Kassensturz test 25.02.2020, <a href=\\\"https:\\\/\\\/www.srf.ch\\\/news\\\/wirtschaft\\\/kassensturz-test-banken-app-oder-traditionelles-bankkonto\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">link<\\\/a>\"}]"},"categories":[2175],"tags":[2188,2190,2191,2189],"class_list":{"0":"post-5424","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-optimize-finances","8":"tag-abstinence-from-consumption","9":"tag-budget-planning","10":"tag-household-budget","11":"tag-save"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed.jpg",1200,800,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed-315x210.jpg",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed-800x533.jpg",800,533,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed-768x512.jpg",768,512,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed.jpg",1140,760,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed.jpg",1200,800,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed.jpg",1200,800,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed.jpg",1041,694,false],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed.jpg",540,360,false],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed.jpg",220,147,false],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed.jpg",360,240,false],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed-400x267.jpg",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/03\/04230919\/Smolio-Blog_barman-and-woman-with-card-reader-and-smartphone-PC4YRY4-_squuoshed-300x300.jpg",300,300,true]},"post_excerpt_stackable_v2":"<p>Lesedauer 6 Minuten We like to travel and often. Last year, we were on three continents. As international travelers, we have therefore had experience with traditional credit cards and with Revolut Switzerland. Do you want to pay less and get more? Read on and we&#8217;ll tell you how. Revolut Switzerland Experience abroad NoteThe opinions expressed in the article are solely those of the author and do not reflect the opinions and beliefs of Revolut. We report on Revolut because many readers are interested in it. However, this article is not a recommendation to become a Revolut customer. If you have&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/optimize-finances\/\" rel=\"category tag\">Optimize finances<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"1 comment","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/5424","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=5424"}],"version-history":[{"count":10,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/5424\/revisions"}],"predecessor-version":[{"id":9704,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/5424\/revisions\/9704"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/4309"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=5424"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=5424"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=5424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}