This app and banking company are not trustworthy. This company is managed by thieves and incompetents. They do not have real support. Do not trust the pay friends feature as they will use this to send your money to a stranger and then they deny your dispute. My best guess is someone on their support team is using this method to steal from customers who try and use the pay with friends feature as their is no other reason not to pay back money that they very clearly sent to a stranger.