The services that they offer are…
The services that they offer are fantastic, but like many reviewers here, I had a terrible experience with their customer service. After that, I kept the card because the customer service got better so I gave them a second chance. Now, it has been 19 days since there has been a fraudulent transaction on my account. Cherry on the cake: I am temporarily abroad. They told me to wait for 12 days and explained why. I complied. I send them the dispute forms with the police complaint after the said 12 days. It has been more than a week now and still no response. I want to give them another chance, but how many times am I going to keep doing that? A great innovative banking idea, but very poor execution. Sadly, I will not recommend this bank just based on the fact that they do not take the unauthorized transactions seriously and are not able to reassure the client. I hope my unauthorized transaction will be re-credited back soon. Still waiting...

Update: I was reimbursed 3.5 weeks after the initial unauthorised payment, so changed my rating from a one-star. So it took a while but they came through.