Be careful - read trust pilot reviews! They use automated review.io email probably for only people who they approve accounts and not transparent! Another not properly regulated institution entering the UK market and being supper elective and probably discriminative about their onboarding process. They should be banned imitating any business and provide full explanation for any rejection. This is a response we have received : I understand this decision can cause frustration if you do not get the outcome you were hoping for. While we cannot disclose the reasoning for any decisions around why an application has been rejected, we do take time to carefully review each case and ensure a fair review process has been undertaken. There should be a transparent and free information basis on these companies. Who would know if the person who rejected the application wasn’t discriminative ? What safeguard is in place for these pop up firms ?