WestStein

Got the card mostly because it charges no foreign transaction fees, which saves me a fair bit on my trips. I've used it in three countries now and it has never charged me a penny extra. Statements are easy to read and the monthly payment is simple to set up. Great value for money, and I haven't had to think about it once.

First time I've ever had a credit card so I wasn't sure what to expect. Application was easy enough but I waited nearly two weeks for the decision to come through and had to email them twice. The card itself is fine now that it's here, just the waiting was a pain.

The instant transfer between my accounts is the bit I like most, it lands straight away. Saved me from overdraft fees more than once this month. Signing up was quick and it's been fine ever since.

I was rather pleased that the first thing I noticed was how plainly the terms were set out before I applied, which I did appreciate. I'd been wary of online lenders but the team on the phone were patient with my questions and didn't rush me at all. The money reached my account the next working day and I'm very grateful for that.

The payment plan on the car finance is what I went for in the end, after comparing a few dealer offers. The monthly figure is clear from the start and it has never gone up. Payments leave the account on the date agreed, no surprises at all.

Way quicker than going into the branch, which is what I'd have done before. Decision came back in minutes. Only niggle is the interest rate is a touch higher than the one I was quoted on the comparison site.

I've been managing my own savings and borrowing for a long time, so I went straight for the fixed rate option. The rate tracker in the online account is the bit I use most, it shows what I'm paying compared to the base rate. Money moved exactly when it said it would, every month.

I compared three other cards before going with this one, mainly because of the fees abroad. The sign up took about ten minutes on my phone and the approval came through the same afternoon. The card arrived within the week and I've used it in Spain and Portugal without any charges, which is exactly what I wanted.

Compared with the savings account I had before, this is considerably simpler to manage online and the interest is paid in quite a sensible way. The sign-up took a little longer than I would have liked as I had to post a copy of a document, but once that was done everything has run very smoothly indeed.

Got the card in the end after comparing a few others and this was the best of the bunch for what I needed. Application took about ten minutes on my phone and I got a yes the same afternoon. The only thing that caught me out was the statement arriving a bit later than I expected, but it sorted itself out within the week and the rate is fair for what it is.

Compared it to my bank's own app and this one is quicker to get round. Signed up on the bus and was approved before I got off. Transfers land the same day and the app shows the balance right away.

Needed the loan to cover a van repair and couldn't wait. Form took five minutes on my phone. Card and money sorted but the support chat kept dropping out, so I rang instead.

I've had the card for about six years now and it has never let me down. Used it for the car insurance and the odd big shop, and the monthly statement has always been clear and on time. Nothing to complain about, I just keep paying it off and it keeps working.

Compared it with the personal loan from my high street bank and this was quicker and the rate came out a little lower. The approval was pretty much instant once I'd uploaded my payslips, and the money hit my account the next working day. Repayments go out automatically which is handy, though the reminder emails could be less frequent.

Got the account set up in one go and the card came through within the week. Haven't had any issues so far, it just works. Bit of a shame there's no proper card design to choose from but I'm not bothered.

Opened the account to keep my savings separate from the household money. It has done exactly that since the day I opened it, and withdrawals reach my current account the next working day. Easy to use online and never a problem.

Took a few days longer than I expected to get the credit limit raised after I asked. I'd looked at a couple of other cards before settling on this one and the rate was competitive, so it's a small thing really. The app shows the balance clearly though and the payment reminders are useful.

Needed a card quick for the deposit on a flat and the app was honestly fine. Signed up on the bus, got approved, card turned up in a few days. Only gripe is the app keeps asking me to verify stuff, but whatever, it works.

I would like to say the application process was very clear and the staff on the phone were most helpful when I had a question about my limit. The funds were credited promptly and I have had no difficulty since. I am pleased to recommend the account to anyone who likes things straightforward.

Needed a card for buying things online without using my debit card. Signed up on the app during my lunch break and it got approved while I was still eating. Card took a few days to arrive and the app is a bit slow to load sometimes, but I'd still use it again.