unfortunately venmo is not an app that i can speak fondly of anymore. gone are the simple days when the end user experience was seemless. the app is not structured well anymore. plaid doesn't work well. also venmos authenticator is awful, i was locked out of my account because i changed my phone number and didnt have access to the old one (even though i had access to email and all visa info on file) the service to reset password was buggy and i had to submit a ticket to get it resolved