Using the app is useless really.... I recently lost my card and tried to cancel it via the app but never got confirmation it was cancelled so had to phone up to make sure at premium rate might add. Then to order my new card I had to spend 23 minutes on hold at premium rate once more to order the replacement. I recieve my card today so tried to activate it, I do all the steps and at the final hurdle it says sorry I didn't quite get that and it puts me through to customer services of which are closed on weekends so I still have no use of card and once again have to call the customer service on Monday at premium rate, all in all a very poor service and going to change my bank