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Published Aug 25, 2026
Brilliant app, random freezes are the flaw
Three years as a customer and the core experience remains the best banking app I have used: instant currency exchange at interbank-ish rates, working abroad without fees, savings pockets paying real interest. Then out of nowhere both my account and my partner's got frozen by an automated security review neither of us was told about, leaving us unable to pay for groceries until appeals went through days later. Press reporting shows this happens to plenty of customers. So: fantastic day-to-day tool, just keep a backup card at a traditional bank because when their risk system misfires you are on your own for a while.