Horrible app Horrible logic a waste of time and money...I could not transfer money to my linked bank account because of a "telephone number change" and the advice was to send the money back to the person and have them pay you in cash...Like what was the purpose of sending it to pay pay anyway...not to mention all the app do is spin...it's a poor system and poor logic stick to cash app or regular bank transfers because that's how long they take anyways