Been using Vbank for transfers and bills payment these past months and I must say the app interface is clean — even my mechanic hands can navigate it without stress. What got me is how fast transactions go through, I no go lie, sometimes within seconds and no hidden charges trying to chop your money. The one time I had issue with a failed transfer, the customer service people actually picked up their phone and sorted it same day. For a digital bank, dem get their act together better than most places I use.