> So don't do that? I didn't switch wholesale because I'm not fully convinced. I feel these new banks and bank-like offers will for some time search for a righ

> So don't do that? I didn't switch wholesale because I'm not fully convinced. I feel these new banks and bank-like offers will for some time search for a right fit and may change or disappear in the next few years. Also, no-fees-abroad is a great feature, but perhaps not the 10x to spur (my) wholesale adoption. Maybe I'm just not an early adopter (although I use them abroad, so in a way, I am).