FlowerCard

Compared with the bank's own card, this is way quicker to set up and I don't get hit with the odd fee. Booked it from my phone in the car park and it was live before I got home. Fine for what I need.

Needed a cheap way to pay my nephew back for the car repair without the bank taking a cut. Sent it through on the site, around a fiver in charges. Fine.

Compared with buying a gift voucher from the high street, these worked out a fair bit less in fees for the same amount. I bought three and the whole lot came through quickly. Good value for what you get.

Went with this one after looking at three others, and it's the one I'd pick again. The signup was the quickest of the lot and the price was the lowest for what I wanted. Nothing to complain about.

Compared to my bank's own system this is so much quicker to send money to my sister abroad. Set it up from my phone on the bus and the transfer went out the same afternoon. The exchange rate was shown up front too, so no nasty surprises. Would use again.

I travel for work a lot so needed a way to hold euros and dollars without paying a bank's conversion rate every time. Opened the account online, identity check was quick. Rates on the app match the mid market rate closely, which is what I wanted. Spending abroad works fine, card has never been declined.

What struck me was how upfront the fees were, shown before I confirmed anything, which is rarer than it should be. I've used a few of these for expenses over the years and this is the most straightforward. Payments landed in the account the next working day as promised.

I needed a way to send birthday money to my grandsons without faffing about with cheques, and this has done the job for years now. I've been a customer since they first started and the process hasn't changed much, which suits me fine. The cards arrive on time and the balance is always where I expect it to be.

Topped up my card from my phone while waiting for a train, took about two minutes and the money was showing on the card straight after. Only thing is the login kept timing out so I had to type my details twice, but got there in the end.

Used the site to send money to my mate in Lisbon for our flat deposit when we were both out there for the summer. Signed up on my phone in like five mins, needed a selfie and my passport photo but that was fine. The money got there the next morning, she said it landed before she'd even had her breakfast. Easy.

Sent money to my brother in Lagos for the first time through their site, so I was nervous about it. The signup asked for a photo of my passport and a selfie, which took a bit of faffing about with the camera, but once I was verified the transfer went through in a day and he had the money the next morning. Rate shown before I confirmed was clear, and the tracking updates were handy. Happy with it.