I’ve been using Koho for almost 2 years and I’m very satisfied with it. I use it as my personal wallet (i.e. “personal expenses” account), considering that my main bank account is the one I use for family & life expenses. It’s easy to setup, easy to use; the Savings Goals feature works like a charm to save money in the background. I always use the digital card for online purchases and I’ve never had any security or fraud related problems. I won’t use it as my main account, but for personal stuff it’s a great fit.