I might not have abandoned them if they had moved forward on that a bit sooner. Don't get me wrong, they saved my ass when I needed a bank account and bulgarian brick and mortar banks were shafting me because of me being a foreigner, but then I needed an actual Bulgarian account, and I went to iCard, which was great, they have a network of ATMs all over bulgaria that can deposit cash into them! Imagine, banks actually innovating.

To be honest, I won't mind if Xapo is the last bank I ever have. Right now holding money in dollars and having access to SEPA is a pretty nice combo, as is being able to deposit bitcoin, and spend dollars without manually exchanging it (though I'm holding dollars because of the dump going on.