I only use this app because I have a relative that prefers it for sending/receiving money. The app is about what you would expect and seems to work fine that purpose. What is not fine is the aggressive marketing. Be warned, if you install this app and/or give them your email address be prepared for an endless deluge of emails and push notifications about their tax filing product. I'm talking multiple emails a day and sometimes multiple push notifications in an hour. As soon as I can convince my family to switch to literally any other money sending app I'll be leaving this spam machine behind.