I used to be excited for new digital banks (new shiny things), but now personally I don't see much of an appeal based on my use.

So I'm in Europe, and I got a Transferwise card since I do use transferwise to convert currency, and well the currency is free.
Bonus is it supports Google Pay and my conventional bank debit card doesn't yet, so plus points on that
It also acts as a backup card, so that's cool too.

But as I look deeper into the benefits of other finch banks like Revolut or N26, I don't really see how much they'd benefit me.
1. Google Pay/visa/Mastercard/worldwide acceptance - standard benefits I already have.
2. Creation of sub accounts/jars or track your spending features - sounds cool on paper, but I already track my own spending with my own app that is more full-feature. Also a lot of these track spending is not accurate or they just lump certain transactions as "other"
Creation of sub account sounds fun, but.then I set aside money for different purpose and put them in FD/money market etc. Als

3. Other benefits like travel insurance etc - very minor benefit, and some of them already covered by a regular health insurance.

There are several tiers, starting from free (benefits 1 and some of 2), to monthly fees between around 5 - 15 euros (for benefit 1-3 and more etc). And the monthly fees is the main thing putting me off.

So for now, I'll just keep my conventional bank and Transferwise card for now. But I'll be really curious to see how what new unique features that Malaysian digital banks will bring.

p/s: Oh yeah I also got the Bigpay card which they keep touting with so many features. Main reason for me to use it just to collect Big points, other than that all those track spending features are not useful for me.