As long as nothing goes wrong
As long as nothing goes wrong, it's amazing... Second something goes wrong you're screwed. I've used and continue to use the service for the last 3 ish years as my daily bank so I've given it a fair chance and my experience can be broken down to that one line of "As long as nothing goes wrong, it's amazing"

Customer service is great, until you need to do something that "Isnt allowed in their policy" then they will leave you hanging for weeks without response. At one stage they locked my bank account and refused to open it again accusing me of committing fraud, two long weeks later the realised they made a mistake, opened it again and didnt even say sorry, that was around a year ago. 

Equally they refuse to accept bank transfers from foreign currencies instead of just converting them to euros... seems like a pretty basic service to offer even if just for the major currencies like USD,CF and GBP.

All that said, they're still better thaan traditional banks, just seems like upper management have awful at their job.