The system does not work as they say, I opened an account with a $150 monthly charge to make international wire transfers, but 90% of the transfers failed. Opened a support ticket, for 3 weeks all they say is 'rest assured we are working on it'. So I have asked them to cancel the account and they say you have to pay for 3 months because we sent you a metal card???? Who cares about a crappy metal card? So I am out $450 because they have lied. They are unable to send wire transfers. And they will take your money while shamelessly telling you 'rest assured' and nothing else for weeks. It's a scam. Definitely do not open a paid account and definitely don't get that crappy, useless metal card. What is the big deal about a debit card made of metal anyway?