I usually do not review apps on Google play this time I had to. I only gave it 2 stars because it's useful to send and receive money to family and friends, business for the self employed, and like you can now deposit money. The downfall is the security isn't great all. I didn't have any problems at first but then realized that someone walked into a target store in California and wiped my card. It took forever to get my money back. I got the card replaced and the problem didn't stop.