The way it works is very simple, I just have to enter my amount in the box that says 'Balance' after which i add money from debit or credit card as well add money into savings through ATM cards. Very easy to use and has many options of transaction types available for different purposes/ needs. They are also one stop shop - everything you need at this platform can be found here. Its not good if there's no balance in your account. If its too low, you may find difficulty withdrawing funds/ making transactions. It was free trial so we were able to figure out how things work before going live with them. But yes- definitely worth trying! We have been using these services since 2015 but only started seeing benefits in 2018.