Regulatory Compliance
19/20
FCA-authorised, Section 75 protection, PCI DSS compliant[4][8].
Customer Satisfaction
16/25
Highly rated app, but some complaints about fees and service[4].
Product Value
16/20
Strong rewards, but high annual fees on premium cards[2][3].
Customer Support
13/15
24/7 support, but some users report slow or unhelpful responses[4].
Accessibility
9/10
App, web, phone support. No branches, but global reach[4].
Transparency
7/10
Clear terms, but some confusion over fees and offers[2][3].
Security
9/10
Biometric login, instant card freeze, strong fraud monitoring[4][8].
Reputation & Innovation
6/10
Prestige brand, regular card refreshes, but some negative press[4][9].
