Its not "harsh". To be clear, you do not need to use mychoice website at all, e-coin.io dont even advertise the site, I just figured it could work because mychoice is the company that issued the card. It worked for a while, I still get SMS and email alerts from them, but I cant use their site anymore. The card itself works fine, e-coin.io's own website works just fine (but offers no sepa transfers).  The card still does what its adverised for.