Funny thing that I discovered this app, when I spent at my local bank 4 hours of waiting time to simply get my new credit card🤦‍♂️😂 So, I searched for option to make financial activities less complicated and time-saving. So far, it`s good and could even replace some physical bank functions, such opening deposits and international money transfers. Yes, I can call this digital bank, as heaven in my money business, still has something to show to fully replace banks, but as whole, bunq is pretty safe and functional. I definitely need to trust them in an environment full of problems.