It's a decent basic app-based current account, good for spending abroad with some decent features. Sometimes the app takes a little too long to load recent transactions is my only criticism
Reviewed on: 3rd July 2023
Good for spending abroad, bad for paying off early
3
This is a great credit card for spending while abroad at a really good rate. I was a big fan but then they changed the system for paying off the debt early (it would no longer reduce the direct debit charge, and I kept ending up in credit) and if you wanted to stop paying twice you had to cancel and restart the direct debit each time which is just a massive hassle. This wouldn't be such a problem if it weren't for the fact that ATM withdrawals start charging interest straight away, insentivising you to pay that debt back as soon as possible.
Reviewed on: 16th May 2020
This was a great credit card for spending money abroad - affordable and simple to use. However they have recently changed the rules so that paying the money back early - for example to reduce the interest charged on cash withdrawals - does not reduce the direct debit charge for the next month. After several instances where my credit card was significantly in the positive I have been left with no choice but to cancel the direct debit and so am now avoiding using it where possible
Reviewed on: 25th January 2020
An savings account that still has a decent interest rate is increasingly difficult to find, and this one was easy to set up and to regularly transfer money into - so now I'm one step closer to owning a house!
Reviewed on: 25th January 2020
