This service is GARBAGE!! Just use PayPal! It took forever to get into my account because it wouldnt send an SMS code and wouldnt give me the option of an emailed code, when I did get in it wouldn't add my bank account because my phone isn't verified and wouldnt verify my phone because it wouldnt text the SMS code! So now I have $20 just sitting there and I cant send it back because it wont give me the option to send money in my venmo it wants me to send money via my bank account. GARBAGE!!