Horrible bank - bad tech, terrible customer support & impossible to cancel account
Horrible bank - please avoid. 
I dont know how they got such a high review. Business accounts cost 9.90 a month - very hard to cancel, must pay till the end of the year. 
No help with transactions that I did not approved - ended up pay 60 euros for stuff I didnt buy. 
very bad support. 
The tech is limited - takes 5 days to load up a balance with no fast payment transfers available - unlike various other online banks. 
harder to cancel than a gym membership - perks arent interesting. 
the customer support reps are confusing and dont understand their products - the app is very glitchy and slow.
look into revolut or transferwise etc these banks have better tech, better support, and way better terms. 
dont waste your time with this bank unless you like getting screwed over by a startup bank. 
It’s not banking 2.0 - you are better off with a traditional bank account or literally sending a money transfer via mail or delivering it yourself to the recipient.