PayPal is hellish in how it runs, I've been using this app for years and every time I've had an over draft into my account, it's because PayPal won't take the money out til a week later after having taken the money out just to deposit it back in and get me confused on my funds, not to mention, PayPal can charge you more if you over draft, its like the only way around this is to write down and calculate every single purchase you make. There's more cons I can't even sum up but this app is decent.