I have used this App for about 2 years now without issue. Part of process is you have to declare what the funds are for but my reason ( sending money to family - a fairly common reason I suggest ) isn't one of the options.i have family in Ukraine and especially now, need to send them money.Before war no issue but now, when they need money, money is delayed and 5 emails to them have gone unanswered including one asking for complaints procedure.Seems like they are a shower of morons. I am angry