The HfP chat thread – Tuesday 26th January

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Andy says:

26 Jan26 January 05:08

See MasterCard are increasing the interchange fees paid when you buy stuff from EU. That didn’t take long
- BuildBackBetter says:
  
  26 Jan26 January 06:40
  
  Discussed yesterday. Companies will be moving their payments processing to UK to avoid the charges.
- ChrisC says:
  
  26 Jan26 January 06:46
  
  Apparently only for online orders.
  
  In person sales not affected by this.
BJ says:

26 Jan26 January 06:49

Sky on hotel quarantine; their breaking news this morning suggests an announcement from Boris is imminent.
https://news.sky.com/story/covid-19-travel-industry-expects-mandatory-hotel-quarantine-to-be-introduced-imminently-12198896
- Andrew says:
  
  26 Jan26 January 07:01
  
  Yes BBC confirmed last night that the final discussion on the terms of hotel quarantine was happening today and announcement by the afternoon about who it would apply to.
  - kitten says:
    
    26 Jan26 January 12:22
    
    At least the Daily Mail and the Mirror will have an ongoing flow of stories about “quarantine chaos” 🙂
    
    The cherry on the cake will be if they appoint G4S for handling ground logistics
- John says:
  
  26 Jan26 January 07:24
  
  Which HFP commenter declared it wouldn’t happen a few days ago??
  - BuildBackBetter says:
    
    26 Jan26 January 07:40
    
    Pretty much everyone
  - Anna says:
    
    26 Jan26 January 08:05
    
    It’s enforcement that will be the issue – what are they going to do with anyone who refuses to be bussed to a hotel, fine them £1000 and let them go on their way as with current breaches of isolation?
    - Chrisasaurus says:
      
      26 Jan26 January 08:30
      
      And given that £1000 < hotel costs….
    - Andrew says:
      
      26 Jan26 January 09:01
      
      Perhaps the Australian model of 6 months in prison for violators would ensure that everyone stayed where they should.
      - Anna says:
        
        26 Jan26 January 09:54
        
        But this isn’t going to happen, Andrew, because as I said yesterday, our legal system here is notably different from the Australian one.
  - Yuff says:
    
    26 Jan26 January 14:38
    
    No, someone made a definitive comment that hotel quarantine in the UK would never happen over the weekend……
    It may not happen but it was an eye catching prediction…..
- Andrew says:
  
  26 Jan26 January 07:34
  
  Apparently Matt Hancock wants all arrivals to go to hotels, while Grant Shapps is arguing for the new measures only to apply to arrivals from Brazil and South Africa. Boris will make a decision today – but the measures face “at least a fortnight’s delay for logistics”.
- Harry T says:
  
  26 Jan26 January 07:50
  
  Cannot wait to see this implode logistically. Seems like they’ve climbed down significantly from hotel quarantine for all arriving passengers – the objective of which was to protect us from unknown variants, a fear expressed repeatedly by Hancock. So now we are going to be protected from known variants…. in two weeks… but not if they’ve transited via a third country on the way back from SA 😂
  - BJ says:
    
    26 Jan26 January 07:59
    
    I wonder if some might try to make a break for it using the Pods and end up in the Thistle instead of the Sofitel…
    - Anna says:
      
      26 Jan26 January 08:08
      
      Things must be really bad if the Sofitel is letting people stay for £1000 for 10 days (does that include food, by the way?)
      - Tony says:
        
        26 Jan26 January 11:00
        
        But what is the plan if you are a smoker …. yes bad habit, but hotels have a non smoking policy in rooms. Last time I was in the Sofitel, I was allowed to smoke / chat with the doormen around the corner … will this still be the policy ? ( doubt I would get access to lounge either )
      - WaynedP says:
        
        26 Jan26 January 11:04
        
        ITV News last night (at a Best Western somewhere up North) stated “three meals a day”.
        
        And a hotel owner trying hard to hide his salivation at the thought of a captive clientele on a full board government contract (albeit paid for by his “guests”).
        
        He should have stayed on to listen to the gloomy airline industry spokesperson that had already anticipated that, like Australia & NZ, trying to implement this policy strictly here would reduce travel into (or back into) the UK to a trickle that’s economically unviable for both UK airlines and hoteliers.
      - Hotelier says:
        
        26 Jan26 January 11:29
        
        Things are really bad indeed. I wouldn’t be surprised one bit if Sofitel would take those bookings, if room only and no meals I’m sure they would be taking it. If they need to add meals then depending on what quality they are asked to provide.
      - Anna says:
        
        26 Jan26 January 11:34
        
        I’m sure the notorious Britannia hotel near Manchester Airport will be putting in a bid imminently 🤣
        We stayed there once years ago the night before I flight and it was pretty much how it’s been portrayed in the media!
    - Chrisasaurus says:
      
      26 Jan26 January 08:31
      
      Shame the Ariel doesn’t rotate, at least you could have a change of scenery (unless you had an internal room)
  - Andrew says:
    
    26 Jan26 January 08:04
    
    Well there are a few options on the table – let’s see which Boris goes for. Hotel for all arrivals does seem the sensible choice but as many have said, logistically that’s difficult.
    - Andy says:
      
      26 Jan26 January 08:38
      
      Logistically i guess it is tricky. I’m supportive of it as a short term measure. But that support also depends on for how long it is for. There’s a slight concern in some of the rhetoric where it’s about preventing any new variants arriving. Given we’re going to be living with Covid for a long time does that mean this is the policy for the next few years? That we’re going to be stuck here unless we can quarantine in a hotel for ten days after a trip which most of us won’t be able to. Will it be like Australia where you need permission to leave the country?
      
      Will it be until the vulnerable are vaccinated? The population? Until the world is Covid free years from now?
      
      Once we go down this road it would be good to get some clear roadmap of when these measures would end. We were told being vaccinated would allow us freedom but that seems not to be the case. I know a few friends who are now saying that won’t be vaccinated as what’s the point if they can’t do anything different to now.
      - Dr Lee says:
        
        26 Jan26 January 09:02
        
        @Andy The world will never, ever be free of Coronavirus, people need to realise this fact. It is simply impossible to eliminate, think about it, you’d have to be sure no one, anywhere, had the virus for several weeks for that to be achieved. It is not possible. And just look at all the other viruses which have existed, we have only managed to eliminate Smallpox but the methodology for that is not replicable for Coronavirus.
      - Anna says:
        
        26 Jan26 January 09:03
        
        Except maybe not dying of Covid? That’s bonkers!
      - kitten says:
        
        26 Jan26 January 12:30
        
        It’s gesture politics.
        
        As for a roadmap quite a lot of other countries do always seem to be able to share some kind of plan even with contingencies with their people. I have absolutely why this is beyond the expensive educations within our leadership group.
        
        The bit I’m struggling with, is right now why would the UK be an attractive destination for anyone. I just can’t get my head around it.
    - Radiata says:
      
      26 Jan26 January 09:14
      
      IF we do this, I hope we do it comprehensively.
      
      Aus/NZ have shown that if you snuff out all burning embers the country can return to normal daily living. Albeit as islands isolated.
      
      If we again succumb to half hearted measures, one fears we will suffer cost without reaping benefit.
      - Andy says:
        
        26 Jan26 January 10:16
        
        @radiata I just don’t see it as a feasible long term solution for us to be an isolated island where we aren’t allowed to leave and people aren’t allowed in. Australia will likely be in that state for over two years if not longer.
        
        Nobody wants anyone here to die of Covid. But once we’re vaccinated I don’t see why we wouldn’t allow travel again.
      - Rob says:
        
        26 Jan26 January 10:31
        
        There is not a single case, globally, of anyone with the Oxford vaccine going into hospital with covid. You still have a chance of getting it because it is not as good as the Pfizer one but the worst you will have is a couple of days in bed, like normal flu. What sort of restrictions on daily freedom do you think this justifies?
      - xcalx says:
        
        26 Jan26 January 11:34
        
        @Rob No mention of which vaccine this poor soul had but going by the dates Pfizer looks more likely.
        
        https://www.doncasterfreepress.co.uk/news/people/stay-safe-warning-doncaster-granddad-dies-covid-nearly-two-weeks-after-being-vaccinated-3090110
      - maccymac says:
        
        26 Jan26 January 15:39
        
        @Rob If the data comes in that the vaccine prevents hospitalisation after infection from known new variants then no restrictions. If new variants arise in the future and time is required to assess if the vaccines are still effective then restrictions will need to be re-applied.
        
        What we can’t have is new variant that renders current vaccines useless, taking hold of this country and catapulting us back to square one. Whether our overlords are capable of managing this is another question. The hotel quarantine being proposed seems half hearted compared to AUS/NZ.
  - Dr Lee says:
    
    26 Jan26 January 09:05
    
    @ Harry T That’s exactly what I’ve been thinking, this is completely unimplementable and I can’t wait for the stories about failure and chaos! How will they even legislate for this, surely it would need to be primary and not secondary given it involves such limits on people’s freedoms?
    - Optimus Prime says:
      
      26 Jan26 January 09:40
      
      They can implement it if they follow the Aussie approach of restricting the number of passengers allowed per flight…
    - Anna says:
      
      26 Jan26 January 10:03
      
      They can’t limit people’s freedoms in this way without being in breach of Human Rights legislation. The only thing they could do is make people sign a legal agreement (as they did with UK citizens returning from China last year) that they will quarantine for the required period, and pursue them through civil means if they fail to comply.
      - ChrisC says:
        
        26 Jan26 January 11:06
        
        They can.
        
        There are exceptions / exemptions listed in the HRA (which put the ECHR into UK legislation) as long as they can be justified by the provisions in the Act.
        
        See for example this CAB guide. Or you could always read the actual act.
        
        https://www.citizensadvice.org.uk/law-and-courts/civil-rights/human-rights/when-can-a-public-authority-interfere-with-your-human-rights/
      - Anna says:
        
        26 Jan26 January 11:16
        
        Or you actually read some caselaw, ChrisC. Enhorn v Sweden, for instance, established that you cannot detain anyone under health provisions unless they are known to be carrying an infectious disease and are an imminent threat to public health, and then only for testing or screening. In summary by Oxford Law:
        
        “Such cases made clear that for detention to comply with principles of proportionality and freedom from arbitrariness, it must be established that the detained person is suffering from an infectious disease, that the spread of disease is dangerous to public safety and that the detention of the infected person is the last resort measure in order to prevent disease spread.”
      - The Savage Squirrel says:
        
        26 Jan26 January 20:01
        
        Anna, you may wish to refer to my reply in yesterday’s chat thread. This is the second time you’ve referenced this case without having either read or understood it. Enhorn did NOT EVEN CONSIDER the question of whether certainty in diagnosis is required or not mere likelihood of infection is sufficient grounds for detention – so provides no precedent for that question. It does not impose the restrictions you claim.
- Mco says:
  
  26 Jan26 January 09:52
  
  To me this smells of Brexit. Keep people from going abroad and spending billions in EU holidays. Boost the domestic economy once things start opening up. Most people are sick of staycations from last year and the rush of holiday bookings probably making them nervous.
  
  Like Dr Lee said the world will never be free of Covid. So unless their logic is to close borders for the next 5-10 years we will always keep on getting different variants coming into the country.
  
  Look at Australia and New Zealand with communist style treatment of their citizens they are still getting cases getting through. Even though they have the harshest Hotel quarantine possible.
  - Aston100 says:
    
    26 Jan26 January 09:58
    
    Hey maybe we can use the £350m a week we’re saving for the NHS and spend it on funding the hotels.
    I mean, we weren’t lied to about that £350m a week were we? where we?
    - Anna says:
      
      26 Jan26 January 10:05
      
      Aston100, you need to get over this, it’s been 4 1/2 years! There was only ever a suggestion that money saved by not paying into the EU budget could be spent on things like the NHS, which is an entirely reasonable idea unless you’re rabidly intent on twisting everything you possibly can into a Remain polemic.
      - Andy says:
        
        26 Jan26 January 10:18
        
        It was on a bus! It didn’t say “maybe let’s spend money on the NHS but actually the financial cost to the economy is greater than that anyway,”
        
        Sorry as someone whose majority of business income comes from the EU I’m now faced with the prospect of moving to the EU or setting up a branch there to survive. Not that I’m allowed to leave the country anyway!
      - Doug M says:
        
        26 Jan26 January 10:24
        
        @Anna – That’s some serious denial of how it was presented.
      - Paul says:
        
        26 Jan26 January 10:34
        
        So patronising. Aston’s clearly not over it. Neither am I or millions of others. The lies and bullshit that contributed to us leaving make me as angry now as they did then 😡
      - Anna says:
        
        26 Jan26 January 11:18
        
        Well I suppose you’ve a right to spend the rest of your in simmering bitterness and resentment if you really want to. I don’t think it’s recommended by anyone practising any kind of psychological therapy though!
      - Anna says:
        
        26 Jan26 January 11:21
        
        Andy and Doug M, this was what was on the bus:
        
        “We send the EU £350 million a week – let’s fund our NHS instead.”
        
        Anyone who understands basic English would recognise that this is a suggestion and in no way a promise. I never thought for one minute that anyone had been given a remit to re-direct £350m to the NHS in the event of a leave vote, and can’t really believe that anyone else did either.
      - Rhys says:
        
        26 Jan26 January 12:04
        
        It may not be a promise but it’s certainly a statement of intent.
      - Yolo says:
        
        26 Jan26 January 11:27
        
        @Anna, would you have voted Leave if you didn’t have a Spanish father?
      - Anna says:
        
        26 Jan26 January 11:39
        
        @Yolo, I don’t think it would have had any bearing, to be honest as I’m equally likely to have inherited a facility for MFL from my mother and would have followed the same study path.
      - Greg says:
        
        26 Jan26 January 14:02
        
        Shake your head, Anna. Is there anything inside? You run to get an EU passport.
      - Anna says:
        
        26 Jan26 January 14:20
        
        Greg – I would suggest the lack of grey matter is more aptly demonstrated by someone who can only attack a person and not an argument.
      - Anna says:
        
        26 Jan26 January 14:32
        
        Rhys, it really isn’t. Here is the dictionary.com definition of “let’s”:
        
        “Let’s with an apostrophe is a contraction of “let us,” which is used in all varieties of speech and writing to introduce a ***suggestion or request***”
        
        But did you honestly believe that anyone in the Leave campaign had the power to set the NHS budget?
    - Chris Heyes says:
      
      26 Jan26 January 12:28
      
      Aston100 But only idiots believed it
      - Anna says:
        
        26 Jan26 January 14:27
        
        But that’s exactly it, Chris, the ONLY people whining that they were lied to are the ones who still voted to remain. So even if there were any lies (and let’s face it, when have politicians of all hues not lied?), it clearly didn’t affect the way they voted.
        
        I’m not sure that Leave voters can be accused of keeping their heads below the parapet just because they are not busy on social media verbally abusing anyone who didn’t vote the same way as them.
    - ashish says:
      
      26 Jan26 January 14:17
      
      no ” we weren’t” seems only you
    - ashish says:
      
      26 Jan26 January 14:19
      
      still waiting for emergency budget and recession
  - BuildBackBetter says:
    
    26 Jan26 January 10:01
    
    The govt as usual will botch this and people as usual will find loopholes.
    If that results in people spending money domestically, thats fine by me. Every little counts.
    Conspiracies aside, am not sure what the end game is for AUNZ and SG – how long do they keep their countries closed? Until everyone is vaccinated?
  - Chris Heyes says:
    
    26 Jan26 January 12:27
    
    Mco good old Brexit lol
  - The real John says:
    
    26 Jan26 January 13:27
    
    I think Hong Kong has the harshest quarantine.
    
    Australia cases got through because the guards somehow mixed with the people in quarantine. The “harshest quarantine possible” would be making the guards and all the hotel staff also quarantine, for 40 days (the original meaning of quarantine).
    
    In NZ the virus seems to have been transmitted through the plumbing of the hotel?
  - maccymac says:
    
    26 Jan26 January 15:51
    
    I would trade their caseload for ours any day of the week.
    
    Their domestic economy is functioning. Their schools are mostly open. They continue cancer and other non-covid healthcare work as their hospitals are not clogged with COVID.
- Covidiot says:
  
  26 Jan26 January 11:27
  
  Let’s hope it takes them three weeks to implement. Have a non-refundable 10 day booking in Dubai starting next week!
  - Aston100 says:
    
    26 Jan26 January 12:18
    
    I see what you did there!
BJ says:

26 Jan26 January 06:52

And Sky News again on EU restrictions of export of Pfizer vaccine:
https://news.sky.com/story/uk-access-to-pfizer-jab-threatened-as-eu-imposes-new-controls-on-covid-vaccine-exports-12198979
- Yuff says:
  
  26 Jan26 January 07:00
  
  Lol…….because they, EU, tried to screw AZ down on price over guaranteed supplies of the vaccine……….
  Whereas Britain went for quantity over cost in their contracts.
  Great headlines though…..😄
  - Freddy says:
    
    26 Jan26 January 07:56
    
    EU certainly have ended up with egg on their faces which must be even more excruciating when Boris the clown is stealing a march on them at the moment anyway
  - Chrisasaurus says:
    
    26 Jan26 January 07:57
    
    Yes and if the EU had spent more money instead of negotiating commercially you wouldn’t at all have criticised them for blowing money away…
    - JACQUELINE says:
      
      26 Jan26 January 14:25
      
      Unless the are still asking us to fund the EU, don’t care what they do with their money
- memesweeper says:
  
  26 Jan26 January 14:59
  
  The EU, as an institution, has no power to block exports of vaccine’s AFAIK, which makes this threat, err, interesting!
Frank says:

26 Jan26 January 07:48

Two of the four flights of my Easter booking (booked with Avios and Amex 2-for-1) have been cancelled, and best alternative includes a 7 hour layover. Am I correct in assuming that I am entitled to reschedule to different dates, and that no Avios availability is required on my new dates? Many thanks for sharing your insight & experience!
- Jonathan says:
  
  26 Jan26 January 08:00
  
  Yes, any flight being cancelled makes whole booking eligible for EU261 remedies, regardless of how long or short the delay is from any alternative flights you are offered.
  
  Depending on what you are after will determine how easy it is to extract from the airline involved though…
- Dr Lee says:
  
  26 Jan26 January 08:01
  
  That was the case previously but I called BA yesterday with the same request to rebook flights cancelled in January for May and they flatly refused. They talked about it needing to be within 14 days, then said there had to be Avios ability, and then that the new flight had to be within one year of the original booking. I hung up and called back and got pretty much the same answer. I’ve now submitted a formal complaint and if that goes nowhere I’ll claim for new flights under section 75.
  - Tracey says:
    
    26 Jan26 January 08:03
    
    The only thing written in stone seems to be one year from original booking.
    - Anna says:
      
      26 Jan26 January 08:11
      
      I don’t think even that is set in stone – it’s BA policy but a few people have mentioned now that they’ve managed to book beyond this.
    - kitten says:
      
      26 Jan26 January 12:59
      
      and that is not necessarily set in stone.
  - Will says:
    
    26 Jan26 January 10:15
    
    So will you purchase
    New flights and then hope to claim back? Seems coronavirus is a valid reason to keep the replacement commercially similar. AA would not buy a replacement ticket for a redemption on a partner. Same reasons. Not sure how you can prove a loss if you get a refund unless you have sunk costs. Not aware of anyone testing this in litigation
    - Dr Lee says:
      
      26 Jan26 January 10:45
      
      My plan is two-fold. One is to enforce rights enshrined in UK law from EU261 and the second is to have the contract enforced. Of course a complaint at this stage is not a way to enforce but a section 75 claim could have enforcement as a remedy, as would arbitration and then small claims. I’ll escalate as necessary.
      - kitten says:
        
        26 Jan26 January 13:05
        
        s75 entitles you to consequential loss ie higher cost of replacement ticket and any other costs caused. Unlike chargeback.
    - kitten says:
      
      26 Jan26 January 13:03
      
      If you go s75 or EU261 MCOL you must not accept any form of refund even partial. Once you take any refund (even deceptively forced by BA) it’s game over you have given up your rights.
  - kitten says:
    
    26 Jan26 January 13:00
    
    All complete cr*p from BA. I do wish they would stop being such rascals.
- kitten says:
  
  26 Jan26 January 12:58
  
  Yes and consider easier rescheduling even if it results on a hotel night en route if it gets you closer to landing when you should have as original airline is responsible to get you from your origin to your destination ‘with reasonable despatch’ and is responsible for any extra hotel nights this entails.
  - Dr Lee says:
    
    26 Jan26 January 13:37
    
    Thanks Kitten, very helpful and this is what I was thinking. I’ll share how I get on.
    - Darren says:
      
      26 Jan26 January 16:09
      
      Hope you get it sorted.
      This experience is wildly different to mine, it was so easy.
      Rang to say that I had a cancellation on a booking and I would like to move to a future date, I didn’t go into any specific details about 50% Avios sale. CSA asked what the new dates were. I said Nov. 2021. The CSA replied no problem. All done in 5 minutes.
      It frustrating all of the different experiences people report and it should be much easier via MMB.
- Frank says:
  
  26 Jan26 January 23:46
  
  Update for reference: Rang You First, everything sorted within 10 minutes. Date changed to future dates without Avios availability, didn’t even have to press the matter. Perfect service.
Louie says:

26 Jan26 January 08:01

Any easy ways of earning just a few Marriott points? I didn’t realise family transfers were of round 000s only and would like to top up an account to a round 000 for tidiness!
- Anna says:
  
  26 Jan26 January 08:14
  
  You can buy them via the website or transfer some MR points if you have any. Obviously spend on the Bonvoy Amex if you have that. There are probably also options to convert other loyalty points like avios, or pre-pay a hotel booking. I think Bonvoy/Marriott points are about the most difficult to earn!
Frankie says:

26 Jan26 January 08:22

If I take a future travel voucher from BA and have paid for seats, will the voucher contain the price I paid for the seats as well or do I lose that money? Thanks in advance for any answers on this.
- ChrisC says:
  
  26 Jan26 January 08:52
  
  Included in the voucher but earmarked towards the cost of reserving new seats as per the T&Cs for the FTV on BA. com
Dave says:

26 Jan26 January 08:24

Have IHG stopped offering the 25000 points for reaching Spire?
I’ve just hit Spire this year and no sign of the option to claim the points…
- Chrisasaurus says:
  
  26 Jan26 January 08:32
  
  It isn’t immediate afaik
- Craig says:
  
  26 Jan26 January 08:37
  
  Was that on CC spend or rollover nights?
  - Dave says:
    
    26 Jan26 January 08:48
    
    Credit card spend
    - Craig says:
      
      26 Jan26 January 08:50
      
      Good effort, mine appeared almost immediately last year.
    - FFoxSake says:
      
      26 Jan26 January 09:10
      
      Was that 55K just in January? Wow. Thought I’d done OK this month but respect, that’s in another league to me! Premium or White IHG card?
      - Aston100 says:
        
        26 Jan26 January 10:00
        
        Creation don’t seem to care in the slightest do they?
      - Dave says:
        
        26 Jan26 January 10:13
        
        Premium card!
- ChrisC says:
  
  26 Jan26 January 08:54
  
  Are you looking on the website or the the app. The choice button only appears on the web version.
  
  It can take a couple of days to update
  - Catman says:
    
    26 Jan26 January 09:23
    
    It’s also quite well hidden on the website you have to go into Your Account and then look for (I think) Your Benefits….
    - Dave says:
      
      26 Jan26 January 10:13
      
      Ok thanks will wait a day or two before checking
- xcalx says:
  
  26 Jan26 January 10:22
  
  Well done Sir. My last £9K missed the target by a day.
  - xcalx says:
    
    26 Jan26 January 10:23
    
    That was a reply to @dave.
    - Sprout says:
      
      26 Jan26 January 10:38
      
      @Dave – For info. mine is showing as well as the free night. It shows under “my account” and then the “explore your benefits” button (on the website). It must have triggered at 55k as well as I only 60 odd k
- Jonathan says:
  
  26 Jan26 January 10:29
  
  I got my 25K points today. 119k points plus the 25k Spire bonus was a pretty good months work!
  
  (This was to cover a large CGT bill so I was very confident I could survive any audit on it if necessary & certainly won’t be doing this level moving forward)
  - dave says:
    
    26 Jan26 January 10:43
    
    @Jonathan Good work!
    
    Interesting you say about surviving an audit. I mostly just do MS on Ernie. Who should i be worried about being audited by? IHG? Creation? HMRC?
    - memesweeper says:
      
      26 Jan26 January 15:05
      
      ERNIE does follow things up… I had a call from them last month and this month, and withdrawals blocked while things were checked out. Unlike Revs or MonEzy they are competent and responsive.
      
      C’tion naturally could do the same, as could whoever you pay them with. I dread to think what dealing with C’tion’s customer service would be like if that ever arises.
      - AndyW says:
        
        26 Jan26 January 15:39
        
        Creation have been blocking me when I try and get a bit ambitious with Ernie. Not worried from Ernie side as money is staying there, but any tips on creation
Anna says:

26 Jan26 January 08:26

Note re the Revolut referral offer – the person you refer has to spend 3 times on their account before you get your £15.