I've been using Flick for about three months now and honestly the app itself is solid for transfers and paying bills and all that. The interface is clean and money moves fast when you send to people which is what matters. My only real complaint is when I had an issue with a transaction last month I had to wait almost five days before anyone from their support team got back to me, and by then the issue had sorted itself out anyway. Otherwise it's reliable for daily banking and I can't complain too much.