This bank is costing me a fortune the reason I joined it is it was cheap to use the card abroad but using it in my own country. I am getting non-styling charges from my bank account even though I’m in England from an English account to an English account and now they’re trying to blame me or my bank, I don’t believe this is acceptable. The app does not work properly. You will be topping your account up from your main bank account and all suddenly you’ll get a pop-up saying would you like to continue in local currency? Of course? You select local currency because presumably that’s the one that’s cheapest and your local and somehow you get charged. This joke of a so-called bank has cost me £75 in four months in non-sterling charges. I will not be banking with them anymore and if they are part of the banking ombudsman, which I doubt they are because they’re lots of bank I am making a complaint.