Yes sobrang okay ang coins specially sa mga bdo users kasi may rebate ang charges nila if you are using BDO in depositing to them. Like for example, I will deposit 1000, so I need to send 1020 on the account provided by coins the 1000 will be credited to my account and the 20 will be returned  also to my coins wallet since it will serves a rebate because I use BDO. But there is one thing that I hate with coins. It is the time that it will took before my withdrawal can be processed.