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I think it's great. I've always had trouble saving any money always desperately waiting for my next paycheck, and after only two months, I've saved more than I ever have.

It can't really replace a full bank though unless all you do is use a debit card for all your transactions (like me).

Email me at Joseph@JosephRobertBrown.com if you want an invite.

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I'm really surprised that integration with external credit cards (and banks, but especially credit cards given their importance in the US) isn't on the top of their priority list. I understand that they'll miss out on the extra data they get by being partnered with their bank, but it would let me drop mint.com with its dated ui, and make it much easier to use the goals mechanism (and daily spending limits would be a lot more relevant). Alternatively they could just launch a Simple credit card, give me 1% cash back / rewards and I'd feel comfortable moving most of my spending onto their card, which would let me continue to maintain my credit score and extract a bit of that merchant fee.

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