I have not even own one but I know it will be cool for countries like USA or Uk whose currencies are quoted directly unlike me over here because we even have the official and the non-official exchange rate which is cheaper and has more gain. And now with A debit card to be use on our ATMs then I will be paid using the official rate in which I would have gained more, going through the way of exchangers who are likely to use the parallel rate with premium.