It's a good app to view balance.but unfortunately when I do money transfer into other account. Is too complicated. So my account is locked for months now. And another thing is I can't know my balance on phone Banking as well I entered the correct access number and the pin and said this information in not valid. This is being happened sense I started kiwibank. And it's over a year now. And idk why ask so many questions. I think this is the most compatible bank ever.