It let me down in a couple of occasions
I used it when travelling in Colombia and Mexico. It let me down in a couple of occasions. I couldn't withdraw cash for some reasons but still the money was taken from my account so I had to go through the customer service (which was good though) and wait for a refund. That kind of thing shouldn't happen, and in fact it's never happened with my other cards. I wouldn't use it again to withdraw money abroad. Apart from that, no other problems, easy to use app and competitive rates and fees (not the best though).