The processes for transferring money in and out are extremely bureaucratic, during which your funds are held. The user interface is confusing, making it hard to see where your money has gone. Basic questions about dividends, exchange rates, and capital gains are difficult to answer. EDIT: The service has been holding a significant amount of my money for over a week after I tried to transfer it, facing a mountain of bureaucracy that has prevented my funds from appearing in my account or being refunded.
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