I've been with Revolut for around 4 years and initially the App was really easy to use. It was simple to add funds then exchange to my chosen currency. Revolut are now pushing their cryptocurrencies at the detriment of their other areas and now the app is so complicated that I need to constantly remind my older relatives how to use it. I have now found Starling Bank that has better exchange rates, no fees and no ATM withdrawal limits. It's also free to have your card delivered when Revolut charge £4.99 In addition Revolut occasionally have referal schemes running but the dates are so short that all steps needed can't really be achieved. Ie signup, card order then 3 transactions. The referral scheme is therefore a waste of time for the referer as you will never get your reward.