I have kept a paid Revolut account for the last nearly two years, and it has performed flawlessly. The one time when I needed support, reply was prompt, polite, professional, and to the point. This is service I use for day-to-day business. I never keep large sums there, so if the whole thing goes belly up one day, it will cause a shrug and not much more. Topping up from my 'real' bank - or wherever - is easy enough to do on the fly: I sometimes do so while queueing in the supermarket. Features I like, and which are apparently beyond the ability of my regular bank to offer: Virtual and diposible cards. I use these for all web transanctions. No need to spread the details of my physical card around, and I can temporarily lock any card number, should I feel the need. Also, the physical card is discreet of appearance; just a grey piece of plastic, not screaming my banking preference for the world to see. And a handy ability to instantly create a payment link where anyone can pay me via credit card. I happily pay my monthly fee. Service well worth it.