I have been using them for a few days now. The card was free, and shipped quickly. Support has been a mixed bag, fastest way to get it was in-app (connecting with a rep at peak times can take ~5 mins, with replies being within a min each). But in-app support can't do everything, so sometimes you have to rely on email (which is very slow). They also apparently have a forum. There is no phone support like Wise does. If you can get around all that, bank transfers move much more quickly compared to Wise, and they gave me cashback (but only up to £5 worth). I didn't encounter any issues personally when I was using it, (besides the one time support stopped working, but that was just because I had not updated the app), but I know others who have. Technologically superior to NZ bank apps, but that shouldn't be a surprise.