Revolut (International* Card Masking Financial Service)

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21

Which can be done with any checking account at any bank.

22

Good point. But disposable cards offer security advantages too. If your card details get stolen it no longer matters.

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23

Correct me if I am wrong but my understanding is that there is no standardized Account Name Inquiry in the US. Privacy.com does not need to avoid this check as it is not a check that is made.

24

Besides that not really being a privacy topic: my old opinion was shared here: Card masking tool - #4 by ph00lt0

25

Although it’s a matter of shifting trust, privacy.com can hide merchant information from your bank.
That is not possible with a disposable card from your bank, like Revolut.
And these days almost every bank has a similar service.

I can’t find a single valid argument to recommend Revolut as a privacy service.

26

Visa, Mastercard and AMEX all offer it. It’s not bank specific but card network. It’s possible that privacy.com are allowed to return a result saying the check can’t be made. And merchants can decide how to score this for fraud purposes.

I know that in some countries cards are linked to your ID card number as well as your name. and this does get checked. When using foreign cards you have to give a “fake” ID number that complies to the ID number format (usually using some kind of check digit). But when it is passed to the card issuer they give a response that says it is not needed for this card. And again the merchant can decide whether or not they want to process a transaction for a card with no linked ID number.

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27

Privacy vs security issues aside. I generally prefer to not have to deal with a long drawn out charge back process for fraudulent transactions if I can avoid it. But yes, a different method of authenticating would be great.

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28

If something has to be hidden from your bank. Why does it not have to be hidden from privacy.com?

From Financial Services - Privacy Guides

“Many banks and credit card providers offer native virtual card functionality. If you use one which provides this option already, you should use it over the following recommendations in most cases. That way, you are not trusting multiple parties with your personal information.”

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29

so does revolut, as I stated

it means
after you add money from the bank to revolut, your bank wont see what you’re paying prior to except that you added money to revolut. But you are trusting revolut for your transactions and finance.

It is, but again you’re trusting revolut with the transactions, this can’t be changed

The only thing my bank has is a virtual credit card but not a debit card or prepaid

fair enough but those are not points against it (except privacy concerns sure)

30

I agree, but here I’m arguing about recommending Revolut as a privacy service.

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31

Ok. But that quote was from the current Privacy Guides recommendation on this. So if you’re not recommending Revolut on that basis, then are you suggesting that Privacy.com and MySudo should also be removed?

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32

Only if you use it as a secondary bank not if it’s your main bank. And also a very useless way to “hide” transactions from a bank using another bank.

33

Primary or secondary, it’s similar with privacy.com, you’re hiding merchant info with privacy.com from your bank but you;re trusting the transactions you make with privacy.com, there is no difference whatsover.

revolut is the same or similar if better

let’s put it like that:

user very low threat model.

(will mark with :eye: and :x: if they see it or not, eye for they see it, X for they don’t see it)

Revolut
user gets wage of 1000 euros from his/her bank 1
bank 1 :eye:
revolut :x:
user adds 20 euros to revolut
bank 1 :eye:
revolut :eye: and processes it
user makes the transaction of 10 euros in a kiosk from revolut
Revolut :eye:
Bank :x:

privacy.com
user gets wage of 1000 euros from his/her bank 1
bank 1 :eye:
privacy.com :x:
user makes the transaction of 10 euros in a kiosk from privacy.com and also activating the hide details option
bank 1 :eye: the amount but :x: the merchant
privacy.com :eye:

34

If you are not comfortable with your bank knowing your purchase history privacy.com could have some usefulness, I guess.
Privacy.com is a privacy service, a bank is not.

I’m not recommending Revolut on the basis that they rely on profiling and if it’s your main bank you’re not hiding any transactions.

35

Hence at the end of the say you’re trusting revolut with your transactions like you’re trusting privacy.com
what part of mine and @Catalyst2422’s explaination doesn’t make sense?

36

The only difference is that you get profiled by revolut wanting to “hide” transactions from your main bank.

With privacy.com the profiling is not happening.

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37

I do not doubt that, trust me on that one, that’s the reason I said you’re trusting the transaction(s) [and undoubtedly info but so is with privacy.com let’s face it] with revolut when you sign up, it is because of this, you’re trusting them not your bank at this point, hence my bold warning added and the privacy notice I added for another privacy concern.

In terms of hiding it in your Bank X (where X = Your Local Bank), both will do the job

However if you don’t trust revolut on some basis it is very understandable and I can see why you should flock to privacy.com, like duh, obviously.
but for us in the EU and Japan and more we unfortunately don’t have the luxury of something like it which is a shame and hence a recommendation might be given. I was thinking of Revolut due to it’s one time card use and less limited virtual cards (wise only limits very few virtual cards meanwhile revolut can do more)

I also wanna give the occasional reminder to asses your threat model because of this

38

Did you read the privacy policy of Revolut? it is so atrocioooous :woozy_face:

3 Likes
39

for sure it is worse than privacy.com but I want you and everyone to riddle us EU, JP, AU etc. audiences with this

what other option do we have if we can’t use privacy.com except revolut and wise, hm?

solve the riddle, I’ll no joke give the riddle solver like a proton or tuta gift card of like up to 10-20 dollars or whatever if they solve that riddle. And I’m confident it’s not possible to find one to place a bet publicly

40

I find it so bad that I just prefer to use my card (for online shopping I mean).

1 Like