I applied in late Feb, so I probably got the worst of their changing T&Cs. At first I was upset and decided to switch all my money out (it was a principles thing; I felt cheated after going the extra mile to get GIRO/salary crediting done, etc).
Here's where it gets bad: When I tried to use their app to transfer my money out, I realised you can't add payees via your phone? So I used Safari and.. for some reason, the OTP would not work out. Sure. So I went down to the bank, and tapped the "Transfer to other bank" option, only to get an error message. Their branch officer reassured me that this was poor UX because even DBS wouldn't allow that, at which point I was distracted by why they would even put a button that doesn't work in their ATM.. but.. friends... pls remember that you can actually make inter bank transfers via the ATM.
All in all the worst experience ever. I haven't listed all the sordid details of their crappy app experience (inaccurate use of language and poor use of colour, resulting in a lot of efficiency and confusion). I think it's a blessing in disguise that my telco rejected my GIRO application (wrong account number filled), and Maybank rejected my credit card application (it's okay guys, the card proposition is good, but I value sanity over miles).