I am looking into online accounts for both personal and business use and I am not sure what to check first. How do you usually decide whether a multicurrency provider is reliable enough to move your everyday payments there?

I have never used a multicurrency account before, so I am mainly trying to understand what matters beyond the front page. At the moment I compare a few providers that support SEPA, SWIFT and UK local payments, since I need all three fairly regularly. One of the options I read about lets you open online business account with no monthly fees and FCA regulation stated upfront, and that made me wonder how much weight regulation alone should carry in this choice. Do you also look at how transactions appear in the dashboard and how currency exchange is priced, or does that become clear only after onboarding? For now I would rather compare two or three platforms carefully than take the first one that looks convenient.