Great concept but more and more restrictions
Great concept, great design but more and more restrictions combined with ads to sell you account options that bring you back your genuine functions adding a whole bunch of stuff that I don't need (some people might have a use for them though).
In the end it's still a nice account to use, my main reasons to use it are the free-of-charge payment to foreign currencies, the 3 (used to be 5 two months ago...) free atm uses a month (no matter which!), and the easy and modern handling of my money in good app design (even adds most store's logos) and instant push notifications on payments. Btw, there is no way anymore to bring cash to your account for free anymore (used to be 100€ a month).