Felt like trying this new banking app, signed up and I topped up my fiat account and tired to use card to pay for Western Union and it got decliend ( i tired few times ). Then I used the in app chat feature to get support and agent told me that transaction got decliend as its financial institution services! Well according to that i won't be able to use the card for payments anything relating to bank. Tthe link agent gave me to explain the declined transaction was relating merchents/institution excluded to the reward ( cashback ) program but agent won't listen, kept reading from the template. what a waste of time and energy.