Has anyone used one of these, I’m going to Brasil for 3 months so want to minimise the banking costs.

Have one for Europe and it works well. Mainly use it to get cash out, there are a few things they tell you not to use it for though (security deposits etc)

Have caxton and fairfx cards. Fairfx has slightly better rates but caxton doesn’t charge for cashpoint withdrawals. Also think fairfx is easier to topup.
If they go bust you lose your credit so splitting across two could limit loss.
I’ve had problems with a some tolls and pay at pump places in France not accepting fairfx (didn’t have Caxton Euro card to try) so be prepared for some things not to work.
Also handy for buying from European online bike shops.

Very handy for Europe trips I’ve done. The app is useful too for remote loading up / checking balance etc.

Cheers guys, I think I’ll only top it up a few hundred at a time, plus they don’t look like going bust. Quite the opposite!

I’ve used one. No hassles whatsoever.