Experience:
I'm sharing my experience with Kiwi so far. Very good UI and everything is explained clearly in the app itself.
The milestone tracking is also amazing, one can see how much kiwi they got and after achieving how much they will get.
Eligible txns, everything I really liked it. Used almost all elite bank products, app, DC, CC but I must say, I'm very much satisfied with kiwi.
Second best is Amex and their support.
Kiwi tried to be transparent as much as possible.