Interestingly I've not had to do any of that but I expect given the age of my account it was grandfathered in and isn't subject to the same rules that newer acc

Interestingly I've not had to do any of that but I expect given the age of my account it was grandfathered in and isn't subject to the same rules that newer accounts have, I did notice they unverified my LLC though re obtaining cards but I guess that may just be different regulations they need to follow now, or requirements from partner banks as they've changed 3 or 4 times since I opened my account (very early on, one of the first). Other than slow support I've not really had any issues though, when I do contact them they usually get it right - ie I asked them to add card transactions to web hooks as for some inexplicable reason it wasn't done, they added it within a few days and that was around a year ago. Also they're not based in Estonia, they just have a presence to satisfy license requirements, they're still based in the UK (they also have a Belgian presence for some of their licenses too etc)