Avoid like the plague. After a request for additional proof of identity I was blithely informed, before I could provide it, that they'd 'decided' to close my account and that the balance would be returned to the accounts it came from. This will, apparently, take between SIX AND TEN WEEKS, possibly longer. Their so-called customer "service" department won't discuss the issue and any emails are simply cut-and-paste non-answers. Reading other online reviews, it seems Arro make quite a habit of this - and that's IF they return the money at all. I wouldn't want to say anything libelous, but it brings to mind a word beginning with F that rhymes with 'broad'.