Tried not to think about it too much at first but honestly Verve's card and app work well for me as a young journalist moving money around. The transfers go through fast most times and the interface is clean, no wahala with navigating it. My only gripe sha is that sometimes when I'm sending money to people, the transaction just hangs there for like 10 minutes before it finally goes through, and you're just watching your screen wondering if it actually sent or not. Otherwise it's been solid for my daily payments and I've stuck with it for a few months now.