Banking Without Borders

Thinking about borrowing money through Revolut? In this episode, we unpack everything you need to know about Revolut Personal Loans, from eligibility to interest rates, approval times, and what really sets these loans apart.

We cover:

•  Where Revolut loans are currently available
•  How they work, and who they’re best suited for
•  Key watchouts before you apply
•  Where Revolut might launch loans next

Whether you're a Revolut user or just curious about fintech lending, this episode will help you understand if these loans are right for you—and what to consider before hitting apply.

Got questions? Send us a message, we're happy to help.

Join the new Banking Without Borders Discord community 

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Check out our website DepositScout.com for the latest savings rates. 

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at [email protected]

Welcome to the June recap of Banking Without Borders! This month, we break down Starling Bank’s new “Spending Intelligence” chatbot, is it really intelligent, or just marketing spin? We also cover Starling’s US ambitions and why a credit card might be essential for their success.

Then we look at Chase UK’s dark mode drama, a hilarious new “biscuit bank” offering cashback on your bills, and Klarna’s moves into banking, are they copying Revolut?

Finally, we wrap up with the latest UK & EU savings rates, including our Rate of the Month: Plum’s 4.95% Cash ISA. We cover easy-access, notice, and fixed-term accounts so you know where to stash your savings for the best returns, plus, we discuss how the ECB’s recent rate cut is impacting EU savers.

Join the new Banking Without Borders Discord community 

https://link.bankingwithoutborders.co.uk/discord

Subscribe on YouTube

https://link.technicallymoney.com/oy8e

Check out our website DepositScout.com for the latest savings rates. 

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at [email protected]

Are Revolut’s credit cards worth it? In this episode, we dive into:

• Where Revolut credit cards are available right now (Ireland, Poland, Lithuania & Spain)
• How the benefits stack up, from RevPoints to cashback
• The 0% interest periods, installment options & what they really mean
• Why the UK and other countries might see Revolut credit cards soon
• Are these cards actually good enough to switch, or should you look elsewhere?

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Join the new Banking Without Borders Discord community 

https://link.bankingwithoutborders.co.uk/discord

Subscribe on YouTube

https://link.technicallymoney.com/oy8e

Check out our website DepositScout.com for the latest savings rates. 

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at [email protected]

Japan is one of the most romanticized countries on the internet — but is it really a good place to live and work as a digital nomad?

In this episode, we talk to Jan, who recently spent time in Japan trying to make remote life work. From cash-only restaurants and endless bureaucracy to social disconnection and even chaotic cycling culture, we unpack the reality behind the viral videos.

If you’ve ever dreamed of moving to Tokyo with your laptop, this episode is an eye-opener — and a must-listen for anyone considering Japan as a long-term base.

Join the new Banking Without Borders Discord community 

https://link.bankingwithoutborders.co.uk/discord

Subscribe on YouTube

https://link.technicallymoney.com/oy8e

Check out our website DepositScout.com for the latest savings rates. 

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at [email protected]

In this episode, we dive into one of the most ambitious and unique rewards credit cards in the UK — Yonder.

It’s a bold start-up that’s doing things differently, with a unique rewards system, premium experiences, and no foreign transaction fees. But how does it stack up against legacy players like AMEX?

Jonny put Yonder to the test over several weeks, digging into everything from point redemptions and travel perks, to the user experience, hidden limits, and real cashback value per point.

We break down:

• Whether Yonder offers a better everyday experience than AMEX
• The real-world value of Yonder points (with redemptionexamples)
• Why flight redemptions are surprisingly underwhelming
• The fair usage limits and where Yonder rewards are capped
• Whether this is the card for point hackers or lifestyle spenders

If you’re into rewards, fintech, or just curious whether this card deserves a place in your wallet, this one’s for you.

Join the new Banking Without Borders Discord community 

https://link.bankingwithoutborders.co.uk/discord

Subscribe on YouTube

https://link.technicallymoney.com/oy8e

Check out our website DepositScout.com for the latest savings rates. 

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at [email protected]

In this month’s fintech recap, Jonny and Jan dive into Revolut’s bold new ATM launch, free withdrawals, on-the-spot signups, and dynamic FX rates that could finally kill off rip-off tourist machines. But while Revolut expands into phones, credit cards, and billion-euro investments, Starling Bank looks like it's stuck in neutral. With profits falling, customer growth slowing, and a focus shifting to its B2B engine, is this the beginning of the end for Starling’s consumer bank?

Plus:
 • RevPoints come to Ireland’s Revolut credit cards
 • UK’s top savings accounts right now
 • Complaint rankings: who’s upsetting customers most?
 • And why Jan’s jealous of UK interest rates…

Join the new Banking Without Borders Discord community 

https://link.bankingwithoutborders.co.uk/discord

Subscribe on YouTube

https://link.technicallymoney.com/oy8e

Check out our website DepositScout.com for the latest savings rates. 

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at [email protected]

Considering a Revolut upgrade? Or maybe you're wondering if Standard is even worth keeping? In this deep-dive episode, Jonny and Jan break down every Revolut plan — from Standard to Ultra — and share brutally honest insights based on real-world experience.

We explore:

• What each plan really offers (and what’s missing)
• The surprising state of Jan's Metal card
• How to calculate if you're getting enough value
• Hidden downsides and fine print (like cancellation fees)
• Who each plan is actually for — and who should avoid them

Whether you're a Revolut power user or just Revolut-curious, this episode will help you avoid the hype and make an informed decision.

Join the new Banking Without Borders Discord community 

https://link.bankingwithoutborders.co.uk/discord

Subscribe on YouTube

https://link.technicallymoney.com/oy8e

Check out our website DepositScout.com for the latest savings rates. 

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at [email protected]

In this month’s recap, Jonny and Jan dive deep into Revolut’s 2024 annual report, from $1 billion in profit to 14.5 million new customers and a staggering £1 trillion in transaction volume. Is this the beginning of the end for traditional banks like Barclays? We break it all down and share our thoughts on Revolut’s next moves, including their rumoured credit card and expansion plans.

We also end the episode with the best savings rates in the UK right now. 

Recording date: 29/04/2025

Join the new Banking Without Borders Discord community 

https://link.bankingwithoutborders.co.uk/discord

Subscribe on YouTube

https://link.technicallymoney.com/oy8e

Check out our website DepositScout.com for the latest savings rates. 

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at [email protected]

Revolut replaced its cashback offering with RevPoints over a year ago, but is their loyalty scheme actually worth it?

In this episode, Jonny and Jan break down exactly how RevPoints work in 2025:

• How to earn them (besides just spending)
• The best and worst ways to redeem
• Whether they’re good value compared to other cashback cards and credit cards
• And why “spare change” might be the worst way to use them...

We’ll also walk through real examples, break-even spend thresholds for each plan, and compare RevPoints to options like Amex, Santander Edge, Chase UK, and Trading 212.

👉 If you're wondering whether to upgrade your Revolut plan, or ditch it altogether then this one’s for you.

Join the new Banking Without Borders Discord community 

https://link.bankingwithoutborders.co.uk/discord

Subscribe on YouTube

https://link.technicallymoney.com/oy8e

Check out our website DepositScout.com for the latest savings rates. 

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at [email protected]

Chase UK once dominated the rewards game with 1% cashback across the board, but those days are fading. In this episode, Jonny & Jan dig into what’s changed and share the best debit and credit card alternatives for cashback, points, and perks in 2025.

We’ll talk through:

• The slow decline of Chase UK’s cashback value
• Smart debit card options like Santander Edge and Trading 212
• The best American Express cards for points and perks
• Whether airline reward cards are actually worth it
• How to stack rewards using cashback apps

If you're looking to get more back from your everyday spending, this one’s for you.

🎙 Subscribe for weekly episodes on fintech, digital banking, travel hacks and money tips — without borders.

Join the new Banking Without Borders Discord community 

https://link.bankingwithoutborders.co.uk/discord

Subscribe on YouTube

https://link.technicallymoney.com/oy8e

Check out our website DepositScout.com for the latest savings rates. 

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at [email protected]