The app is decent.... when it works. I have to try login in to it at different times of day because I get a "something went wrong" and then it says I should deactivate my VPN (when I clearly don't have one). So for it to work when it pleases is useless. I am afraid to lock my card and then be left stranded unable to unlock it and get cash from an ATM. A deal breaker of sorts, might make me get my money somewhere else.