Be careful... They've developed pretty well, becoming faster and almost more reliable. But what they do is deny or block the most affordable transaction types so you're compelled to pay for transfers via the exact same debit account via your VISA Debit - at twice or more of a service charge. It's a lot of money for me, someone living abroad while receiving his income from his home-country. I cannot find a place where I can report this ongoing concern more than where I've already contacted them..