We have been with Up Bank for 6 months now. Up is the best digital bank I've used so far. Ive tried ubank which is nowhere near the features Up has. I've have tried almost all five of the major banks and everything is a hassle to like changing your address or simply sending a payment to a new person. But with Up is so much easier. We have moved all our banking to UP. From the notifications letting you know whats happening with your money everyday. And its easy to use app and easy to do everyday things too.
I amm just waiting for Up to do joint accounts which will be even better for us. We are making it work with sole accounts in the meantime. Communication is so easy too I have anxiety talking on the phone so the chat section works well. I don't know why people have to jump on product review to complain as soon as something goes wrong.
Things happen it's a part of life and there's always going to be issues no matter which bank you are with. Trying to look at the positives overall rather than giving negative review straight away and sometimes it pays to be patient.