The scam was sophisticated and unfortunately most banks are not sophisticated. They call you up and expect you to give them loads of personal details because tbey have some upsell for you. They train people to be scammed. They should instead call and tell you to call them back at their official telephone number.

If it takes 23 mins to freeze an account through a chat option I guess revolut is not good, my plain old bank has a phone help line I can call from everywhere in the world to freeze everything immediately

They should probably refund the money taken during the time the customer was trying to contact them, it's just another tech company thinking that customer care is a disease

My plain old bank also requires a new code for each transaction even if you have the app enabled, so that's another point, I really would suggest people to steer far away from these new challenger banks

If the notification you get to setup a new app can be custom, instead of the device's name, like in this case it was presented as "Etsy" I guess it's another security concern, seems that Revolut doesn't take fraud or scam in consideration AT ALL, what they mean "very seriously"