On 20 March when I was on route to Frankfurt from Berlin in Train, within a minute in series of transactions my Revolut was charged through my virtual card for cumulative approximately 210 euros. The first payment at Fever Ticketing (The art of the Banksy) in Madrid for 130 euros and the next four payments for approximately cumulative 80 were at Some Japanese Address showing Railway agency with name as Suica Payments. There were more attempts also at Suica but I had insufficient balance and hence they got declined and I noticed it and blocked merchants and replaced the card and immediately raised a claim for fraud. Next day revolut rejects all claims saying that this transactions were done through Apple Pay and card was securely added in Apple Pay hence they can't do anything about it. Even after explaining the basic common sense that how can I travel to Madrid and Japan within 1 minute and the type of trxns it's clearly shows a fraud was attempted why are they not refunding they say they won't even put the case to Visa for chargeback as they feel it's genuine. I have my card added to Apple pay from long back, but when I check my sms history I do see a otp received on 18 March for adding card to apple pay. I had ignored it and never shared it with anyone, and at that time I was at work so I had my phone also on me, so there is no possibility anyone might have peeked from it. My iPhone is clean with only essential apps and work apps. The only other thing I suspect is a sim swap. But I checked my O2 account and I don't see any Additional sims or older sims or deactivated or new sim apart from the one I have in my device. I am a international student in Germany and this amount is very big for me right now to make my ends meet without a job. What do I do here to get my money back. I can proove that I was in Germany at the time when the Fraud was done by showing coffee purchase receipts from my other bank card added to my actual apple pay.

Here are examples of same scam via Apple pay with exactly same situation without any share of otp was done. 1. https://www.stuff.co.nz/business/opinion-analysis/300802701/heres-how-apple-pay-can-be-used-to-rip-you-off 2. https://www.irishtimes.com/your-money/2023/05/01/sinister-revolut-scam-sees-readers-account-drained-of-thousands/ 3. https://www.reddit.com/r/Revolut/comments/19cw1do/apple_pay_fraud/ 4. https://discussions.apple.com/thread/254845455?sortBy=best

Attaching my transcation screenshots. What should I do please someone help. My Revolut has Lithuanian number but I opened it in Germany and has my German address. Regards