A ridiculous amount of hassle when I tried to activate and put money on the card, as they 'Could not find my adress on their computer'! After I eventually got over this hurdle by e-mailing them a photo of my passport and driving license, and put money on it, the card was declined in Thailand when I tried to pay my bill with it, then tried to use the card in a ATM, which swallowed it, giving me a message saying 'Fault Discovered, Contact Card Issuer'. Then tried to get a refund of the money on the card. Again ridiculous hassle trying to do this. Had to ring them from Thailand which cost me about £15, spoke to lady who said they would give me a refund, I then asked for an e-mail confirming this. No such e-mail arrived. After I had e-mailed them twice, I got a reply saying it had been paid. Everything about this experience was slow, difficuilt , problematic, and NO APOLOGY from anybody, which leads me to suspect that this type of service that I experienced, is standard procedure! Easier to just use ATM's with your own Visa Debit card, than to mess around with this.