It&#x27;s a little hard to compare fully as they&#x27;re not a bank yet (the current card is a prepaid one which you top up via the app). Everything is a lot more simple than my traditional bank (Lloyds), they&#x27;ve clearly put a lot of effort into the app UX which I value. They&#x27;re very responsive, both via support channels, and on the discourse forum we&#x27;re all in.<p>There are a few issues. One is a tradeoff which can&#x27;t really be fixed - all transactions are &quot;online&quot;, allowing them to do push notifications and live fraud checks. For some card machines, particularly when using contactless, this can substantially increase the time it takes for the card machine to process the payment.<p>Most of the issues though seem be caused by their card issuer - rather than interfacing with the card networks directly, they currently go via a company called &quot;GPS&quot; (pretty sure it&#x27;s <a href="http:&#x2F;&#x2F;www.globalprocessing.ae" rel="nofollow">http:&#x2F;&#x2F;www.globalprocessing.ae</a>). This seems to add notable latency to some transactions, as well as causing a couple of limitations on how you start using the card. I expect all of these problems will be resolved once they issue cards directly.<p>I haven&#x27;t used the card physically outside the UK, but I have done a number of non-GBP transactions online and they all worked fine - with good conversion rates. A number of people on the discourse forum have used it outside the UK and it looks as though they didn&#x27;t have any problems.<p>Support is good - generally very quick responses in-app (they use Intercom), and they&#x27;re very active when it comes to the extended discussion in the discourse forum. A few of the blog posts came about as a result of those discussions.<p>One cool thing is that almost every single screen of the app allows you to give feedback in various ways - flagging merchant details as incorrect, providing suggestions, and letting them know how urgent upcoming features are.<p>Having good APIs is pretty important to me also - although I haven&#x27;t used them yet. The app keeps detailed logs of the internal APIs which I like to regularly dump onto my laptop for reference too!