Absolute joke of a bank, I set up an online instant access savings account, only to find out I couldn’t actually set up a payee online but had to call them, did so through their app to be asked for a security code which I have no memory of setting up. Was then asked my full name, address, phone number, date of birth and email address, but apparently I don’t know these either, so have now been refused any further help and told I have to go to a branch. So much for online banking. Never had any issues with the likes of starling, chase, revolut etc. this bank is an absolute joke, and I really wish I had read the reviews before giving them any of my money.