This app is a scam it is so easy to take money out of your bank account and put it in the app but when you want to take your money out of the app to put it back into your account. It is impossible to do it put you through so much red tape & still you are not successful. It slowly sucks all your money away from you and doesn't allow you to get your refund they use the excuse as extra security precaution to prevent you from getting your money you need a PhD in computer science to figure out