SHOCKING COMPANY. Referral scheme is nothing short of a scam. Online support also SHOCKING? No option of human contact even for problem resolution their bots can't deal with. Refused to pay referral promise.... reason given that my daughter failed to complete steps required within required timescale. They gave her TWO days which ended a week before she even received her card. Disgraceful.......nothing short of a form of scam. Have obviously closed my account but caution anyone thinking of opening an account with this company. There are better alternatives out there offering the same services but to much higher standards of customer service and loyalty. ONLY USE THIS COMPANY IF YOU ARE HAPPY TO BE ABUSED.