I've used Cash App with no big issues other than transaction history does not include a balance after each transaction. I keep little money in the account for this reason. However, recently I sent money to an individual, and when I clicked send it did a duplicate transaction that went to someone else. Cash App said they could not dispute because the transaction originated from my linked bank-issued debit card, but I only use the debit card for this app. Be careful if you have a Cash App account.