Twelve new currencies, from the Thai baht to the Kenyan shilling, join the account this week. Hold, exchange and spend them at the same rates.

Lost your card, or not sure where it is? You can freeze it in one tap without unlocking your phone. How to set it up, and what happens next.

Your deposits never sit on our balance sheet. Where your money is held, why we use three banks, and what happens if something goes wrong.

Turn on round-ups and every card payment is rounded to the next euro, with the difference moved into a pot you choose. Here’s how it adds up.