I am using this app over two months. The Main advantage of this app is you can create a virtual account and they also gives you a virtual debit card. If you add some money on this account they gives you a 7% interest rate. In this app there is no need to go anywhere you can control you account in your mobile phone. But the debit card is this bank is not working fine like if you connect your debit card in Netflix, Amazon prime there was an error. Other than this there was all things are paperless and you can block your debit card any time and apply for a new debit card. They need to improve there user interface sometimes this is complicated.