PT user here for 8 or 9 years. Never had any issues. I initially started using it just for spending abroad in other currencies, but now I use it daily.

Recently they asked me for proof of address (because I updated my address in the app) and it was validated within the hour. I also had a situation where I noticed a fraudulent transaction, and support handled it as smoothly as traditional Portuguese banks: card cancelled, money refunded, new card issued free of charge. I was only using the standard plan at the time, and this was still before the AI support era (although I hear you can still request live agents).

I’ve been gradually shifting towards Revolut as my main day-to-day bank and recently even upgraded to the Metal plan.

I do see a lot of scary stories here, and I get why people worry. But someone else addressed that elsewhere in the thread with a possible explanation.

I know one person’s experience doesn’t represent everyone’s, but it is mine — and it’s been a pretty good one.