of course i use a real bank for a long term savings and checkings account i use transferwise for converting money quickly at the market rate plus a small marku

of course i use a real bank for a long term savings and checkings account i use transferwise for converting money quickly at the market rate plus a small markup rather than the higher fees and longer wait times to wire money across "real" bank accounts, the same thing you can do with revolut. i don't want or need either to replace lloyds, chase, barclays, BOA, etc.