Spendit has its quirks, but it is usable. Just hampered by limitations such being unable to top up a card, or merge old cards to recycle funds. These are legally necessary, unfortunately, because adding them would require them to comply with KYC rules.

The other biggest criticism is their fee... 8% is higher than most in the space. Their excuse is that they're new and have a small customer base, and that it'll go down if/when they grow.