It is a nice concept, but...
It is a nice concept, but I have had many issues with them, and it is never easy:
1st, the card wasn't being delivered - sure, it is not entirely their fault, but from my UX perspective, it was freaking frustrating 
2nd, I can't transfer money to a different currency - aside from a (IMO) huge flow issue, every time I tried, I received a system.error message like "could not establish connection with the server". I talked several times with customer support, and each time it was the same: reinstall APP, prey to God it works  - it didn't,  still doesn't 
3rd - I  was asked to revalidate my ID, and for some reason they could not do it (although it is the same ID I used while creating the account - my passport), and now I am locked out of the APP, which means no money transfers, no online payments, no nothing - just card payments (on POS) and ATM withdrawals, but that does not help me pay bills or rent - so I don't have full access to my money (and I am still waiting for a solution from their end, and it has been 3 days already).

If they fix their APP, and put in place the necessary processes to offer speedy solutions for critical issues (like mine), than it is wort it - if not, then maybe it's better if you go to a "normal" bank...

L.E. I decided to cancel my collaboration with them, and as they were sending an email of good-bye, with this in it:
"While this process is being completed you can use your card normally, make purchases and withdraw from ATMs, receive transfers, use overdraft services, insurance and credit services."

...in parallel they were also blocking my account, so, in fact, now I can't even use the card at a POS or ATM, so, I am totally blocked from reaching or using my money. Good thing I have a back-up, cause otherwise I would be totally screwed. 

I believe it is total chaos there, they do not have clear processes or user flows, it is A MESS.

My rating was 3/5, now I downgraded to 1/5, because it turned from bad to "oh my God, is this real life?! Is this a prank? Are there hidden cameras?"