Decent rates but could be better for…
Decent rates but could be better for frequent users

0.4% is nice when compared to traditional banks, but for frequent users 0.2% or 0.1% isn't hard to find. I really wish they offered a monthly subscription service like Revolut to waive some fees and the markup.
"local" debit cards would be amazing too, especially in the US, as some services don't accept cards issued abroad.