This is a horrible app. They're far from a traditional bank. They're in it for themselves. They don't dispute transactions for your behalf. They hold your money. They don't allow you to send money to certain users at their discretion. Pretty much worst currency app around. You can't send money off the card to someone who they deem a security risk even if you tell them the person isn't a risk. Their customer service is horrible and doesn't seem to help with anything. Horrible service in all.