Horrible
When it works, it's good. But any incident - and life is full of them - starts a painful interaction. I somehow could not get SMS messages to log in anymore. It turns out it's something to do with new EU legislation, and I need to go through a procedure to reinstate the account. Easy, no ? Nope
They made me go to a bank machine and withdraw money - cost me $3 in fees. Then call and give them the details. OK. Then wait for someone to call me in the next 48 hrs. What ? What happens if I'm in the shower, or driving, or somehow I just don't have the phone handy ? Tough, they say, you have to start over with another withdrawal. 

Incredible, in the digital era. An account one cannot rely on, and therefore has to be closed. Life is too short for these gimmicks.

PS. Sure enough, they called me at 4AM EST and then again at 5AM when my phone is on silent, and I missed the call. I call this: no customer respect