I've tried here for a few months now and I won't lie the whole savings and retail concept works well sha. The rates are competitive and I like how easy it is to set up different savings goals for different things. My only real complaint is that their app crashes constantly whenever I'm trying to check my balance or make a transaction, and customer service takes forever to respond when you report issues like that. Overall decent platform but fix the technical side abeg because e no easy when you're trying to manage your money and the app keeps acting up.