Absolutely the worst banking app. They've removed the ability to freeze my card or pay its balance off, why would you actively try to lag behind literally every other highstreet bank. So annoying is this I'm changing banks - because mobile banking is essential these days, no one wants to try remember a random customer number they use once in a blue moon, or wait in phone queues half an hour long. Especially if they need to freeze their card or something, ridiculous.