[michaelscott]

They're not available everywhere, and the neo-banks in general are tightening their processes to a point where they're becoming difficult to use. I've had multiple situations now where Revolut denied things like a tap payment at a restaurant in NYC because it was an "unknown recipient". Of course they don't notify you of it, leading to an awkward 5 mins with the waiter while I rummage through the app to figure out why I can't use my own money this time. Fast and convenient it ain't