I cannot even begin to express the nightmare of this app. Installing and moving money into it is, naturally, very easy. Using it in any other way is a nightmare. Once I realized I couldn't send money to a UK account from a US one, which was the point of me getting the app, I wanted to transfer my money back out and cancel. This all happened within minutes that I knew I couldn't use the app as intended. But they cannot reverse the transfer of funds into their app for you. You have to connect another account to them in order to transfer money out. I had to give them access to MORE of my money just to get my money. Only I can't do that either. I connected my PayPal TWICE, I can see my PayPal balance even, but selecting to move money never shows my PayPal account as an option for sending the money and finally being rid of this awful experience. Chat ignored me and took DAYS, close to a week the first time I tried to get help. Now, they're escalating my issues again and not responding. They clearly do not care, and just want to keep your money as long as possible until you give up and call it a loss, I guess, and keep your money for themselves. Do not use this app or transfer in any money. You may never see it again. Right now, I am still waiting for them to fix the "error" that continues to prevent me from getting my money and closing the account, but even if they eventually pull through and give me the money back, 1 star is still too much.