Well fxcess is surely subtle, maybe perhaps too subtle, but it's not a big negative anyway.
Just taking a look at the accounts, what you can see is simple"
🌊One account with spreads floating and no commission
🔨One account with no spreads but fixed commission ($4.5 for a lot roundturn)
Anything in-between is just unnecessary, pure marketing in my opinion. The payment system is also simple, card or bank. Those who think more options are better, like bruh, how hard is it to open a simple visa card, the process usually takes like 1 hour...
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