Review Time
In response to my review from December 19, 2025, I feel compelled to address your reply. Firstly, I completely agree that it's essential to conduct financial inquiries before using your services, and I appreciate the information provided, as I have previously used the service without missing any payments and have settled most early. Secondly, there was no option available. I would not have applied if it hadn't been pre-approved on the platform. Consequently, I am now faced with hard searches affecting my score, which could have been avoided had the loan not been approved. I wish you all the best moving forward, but clarity in your processes would be appreciated. Thank you for your response, and I hope this feedback benefits you and others.
The service is dependable as long as you adhere to the repayment terms. However, the fees are exorbitant—it's a clear overcharge. I took out a loan of £8,000, and I ended up paying back over £13,000. This feels unjust: a blatant rip-off. While I’m relieved to have settled my loans, the company is relentless and seems solely focused on profit. I wouldn't recommend doing business with them.
I was repeatedly urged to buy gift cards, which raised red flags for my bank, indicating potential fraud since no legitimate company would make such a request. They were unable to explain the source of the supposed loan amount, especially since I hadn’t even applied. I strongly advise against engaging with this service. It became clear that this was a counterfeit site, separate from the authentic platform. Stay vigilant, as scammers will go to great lengths to take your money and waste your time.
If you're in search of a current account, savings options, or a reliable regular saver, you’ve come to the right place! It’s uncommon for a financial institution to excel, and I’m delighted to recommend this service to you. I want to clarify that this recommendation is completely unsolicited, and I have no ties to this organization other than being a satisfied customer. Their app is quite impressive—while there are a few features I might tweak, it definitely gets the job done. The interest rates are among the best in the market, and transferring funds between accounts is quick and straightforward; you can even use voice commands, like "move £300 from my savings to my regular saver account." Additionally, moving money to and from external accounts is nearly instantaneous, complete with smartphone notifications. They also offer some investment options, although I haven’t explored those myself. If you’re unfamiliar with this organization, there’s no need to worry; they’ve been established for quite some time and are protected up to £120,000. Give them a chance—I believe you’ll be pleased with your choice.
Writing this in December 2025 so the same offers might not be available. I've been quite satisfied with the service so far. The 2% interest on my current account is great, and it's where all my direct debits are managed. I even received the £30 direct debit bonus for the year after paying £1500 in direct debits. I've also opened the 7.1% saver (with a max deposit of £300 a month) and utilized the 4.75% easy access saver for a year. I appreciate being able to connect accounts from other banks and manage everything within the platform. Plus, referring up to 10 friends is a nice bonus, with each of us receiving £10. The only downside has been the inability to send money to my PayPal account, as the support team mentioned this isn't allowed. I hope this policy can change. Overall, I’m pleased with the service and look forward to continued rewards for customers.
The customer support I encountered was the worst I've ever faced! I strongly advise against obtaining any products from this service. They are quick to accept payments, but when assistance is needed, their phone line is perpetually unavailable and the representatives in live chat are unhelpful. They show no empathy and provide little to no useful advice. It took 10 days to receive my replacement card with no option to expedite the process. They won't even share my own card details for adding it to my digital wallet. They are quick to collect high interest payments, yet when a customer seeks help, their agents respond robotically—lacking empathy and offering no real support. The customer service is in dire need of improvement.
As a new customer, I am quite impressed with how promptly I receive notifications after using my card. They immediately inform me of my remaining balance and encourage me to reach out if I encounter any issues. I appreciate the simplicity and clarity of the entire process. Thank you!
I've been using the service for my current and savings accounts for the last three months, and I've recently started exploring their regular saver account as well. Their interest rates and cashback options on monthly utility payments are very competitive. I usually select a bank based on the features they provide rather than the app's usability. That said, the app is intuitive and user-friendly, offering key features like customizable pots and linked accounts that compete well with other neo banks, often exceeding what traditional banks offer. However, I believe the scheduling options for payments could be more flexible across current, savings, and external accounts. Overall, the service stands out as a promising neo bank, with a solid app and unique current and savings products.
I recently got a credit card with the company, and the process was very simple. I needed to update my address, and they handled it quickly! The card arrived within a few days, and the app is fantastic for managing my account. I really appreciate the credit cushion feature. The only thing I would wish for is compatibility with mobile payment options! I highly recommend this service.
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