Have been using the ap for close the 3 months now. This also includes the visa card. Whilst the ap is good while it runs. I have found on too many occasions that it fails to open on my Android phone. Sure this isn't a major issue if you are not in a time sensitive situation. But if you are standing there trying to top up you visa card then it becomes incredibly frustrating to the point I'm considering changing off the platform entirely. If the ap ran smoothly this product would be q 5/5