Used to be pretty good. But then ever escalating lock in values. And now severely reduced rates. And, woe betide you if you ever have to deal with the utter flunkys at customer support. Lost my card. And I'm 12 emails in with no result, and they've asked me to send the same selfie three times. Upskill your support, and fix your systems. I Steered plenty of people this way. Very unimpressed. I emailed you. I've been in touch with support. They've been singularly unhelpful.