Was good while it lasted
I recall it wasn’t any better than Wise when I first joined, then later they made it much more aggressive. I like to think it’s because I gave them feedback along the lines of “you’re more expensive than wise and i’m happy with wise so why would i bother using you”.
Purely speculation, but I don’t think they would have sustained it for the long term. I think they would have eventually quietly raised their margins.
I checked 1 month ago IFast Global Bank - #92 by mon_zo and Zing and T212 were both slightly better than Wise, for cable (within the fee-free band). T212 of course is not supposed to be used as a multicurrency everyday account.