I've had my account for approx 3 yrs with the Ruby card and they updated the app and in order for me to access my account I am being send an SMS message to an old phone number yet I have been using the app on my existing phone for months. The problem is there is no way to rectify this error so my account is now inaccessible - all funds and assets are lost. Why you ask? There is no support - no one to contact so stay away from this company.