Lightyear

Signed up on the app during my lunch break and had the account open before I'd finished my sandwich. Verification asked for a selfie and a passport photo which took a minute but was fine. Money moved between my pots instantly and I've used it three times this week already. Brilliant for a quick job.

I'd always used my high street bank for transfers to my brother in Canada, but they charged a good deal more than this does. The transfer was simple to set up online and the money reached him without any trouble. I've not looked back since I switched over.

I bought a joint account with my partner to pay bills and compared it with two other banks before we settled on this one. The setup for both of us took about twenty minutes on our phones. Everything works well and the account is easy to share.

Compared to the app I used before this is miles better. The rate is closer to the proper one and I can see exactly what I'm paying before I hit send. Used it to pay a mate in Spain for a flat deposit and it was there in a few hours.

Yeah it's good. Set up the account on my phone on the bus and it was done in a few minutes. Sent money to my cousin in Ireland and it landed quicker than I thought. Nothing to complain about really, and the fees are pretty low.

I've had the savings account with them for over ten years and it's never let me down. The interest is paid monthly into my current account and I've never had to chase anything. When I needed to move a larger sum for a house repair the transfer went through in a day, and the support line answered first time when I had a question about the statement. I'd say it's the most reliable money I've got.

I needed a cheap way to pay my son's university fees in Australia and my bank was charging a fortune. This one cut the cost by more than half and the payment arrived in good time. Clear fees, no surprises.

Compared to the provider I used before, this is much easier to get along with. Sending money to my sister in New Zealand is simple now and she's had it the same day both times. No complaints.

Got the card before a trip to Thailand and it was sorted in about a week. Spending abroad doesn't charge me the usual nasty fees and the app shows the rate right when I pay. Only thing is the card itself took ages to turn up, but once it did it works fine.

Compared to my old bank this was miles quicker, got the money in my account same day after I finished the form on my phone while waiting for the bus. Dead simple, no faff with branches or calling anyone.

I wanted a cheap way to send money to my daughter in Canada each month and the fees here are the lowest I've found. The setup was easy enough, though I needed to dig out my old driving licence for the ID check. The transfers arrive as promised, usually the next working day, and there are no surprises on the statement.

I needed to pay a supplier in Turkey and the bank wanted a fortune for it. This did the job for far less and the supplier had the money within a working day. I know how these transfers work so I checked the rate against the live figure and it was close.