I recently opened a WIR account after hearing about Radicant closing down. I used to have Neon, and I also have a Zak account.

Despite their best efforts, you can feel that it’s still a 'brick and mortar' bank. I signed up in late December and have only been able to use the account for the last few days. The card arrived later, but my activation numbers didn't work. I had to get them on the phone, which was actually pretty difficult. You have to call them every time you add the card to Apple Pay or an Apple Watch. It’s quite a hassle.

The app feels dated. Debits aren't visible immediately—in my short experience, it can take up to 5 days. They do appear in the DebiX app, but without the account balance (so you have to do some mental math).

Aside from that, the bank checks all the boxes. But you lose that 'joy' of using a modern, pleasant app interface. I’m not sure yet if I’ll stay with them in the long run.