I have been using this app since it was launch. The very good thing about this app is that it is very easy to use. Account set up takes only few minute or less and there you are. You have to type only number and amount, and your money will be sent directly to the account. Isn't it great. Me and my friends yse this app most of time. Customer service is superb and deals are also good. But there is a little problem with this, that it is not used by the shopkeepers now. I am a student and my father easily transfer money to me just by phone number, no need to go to the bank. great app.