Our 2026 transparency report: fees, uptime and support, in numbers

Once a year we publish the numbers a bank would rather summarise. Here are the headlines from the full report.

The numbers

• Average monthly fees paid per active user: transparent and flat — no user paid a fee that wasn't listed on the pricing page.

• Platform uptime: 99.97%, with every incident longer than five minutes published in the status history.

• Median support response: 2 minutes 04 seconds, humans only.

• Interest paid or charged: zero. Forever zero.

Where we fell short

Card delivery times in two regions exceeded our promise for most of spring — the logistics partner has been changed. Statement exports shipped a full quarter later than announced. Both misses are owned in the report, with dates attached to the fixes.

Why publish this

Accountability is a product feature. The full document — methodology included — is available from the app's About screen.