$CFX

User interface is at least acceptable, and the fee schedule is fairly accurate, although you can set your own fees too, which I like. ....... ........ ......!

As far as using the card goes, I have had issues with it in the past (I'm talking almost two years ago) at stores and the like. .. .. .. .. .. .. ..

Coins are stored locally, although you can share your keyphrase between different platforms. I've just received a replacement card and I'm really hoping integration with the app goes well. ..:.. ..:..