Don't download this dubious application. I've used it for years and without rhyme or reason, they declined my latest transaction and blocked me from using it. I've sent money to my overseas workers and family members for years. When I asked the representative what violation did I commit, she informed me that it would "compromise the integrity of the company to inform customers why they cannot use the app." Are you serious?! That is the sketchiest thing I've ever heard from a company.