If you and your buddies throw down for some lunch or something and someone offers, "I gotchu, just get me on Venmo" it's a trap. This app is unintuitive and didnt load people I looked for. Among other latency issues. I tried this while using wifi and mobile data. Same results. MORE IMPORTANTLY, I couldn't load my Venmo account straight from my debit card. Folks, get Cashapp. It's easier and actually works.