I like that it allows me to link my bank accounts which syncs with Paypal as well so if someone accidentally spend money from their credit card they can do something about this without reporting fraud! It is easy and efficient. Sometimes you get messages saying there's some error but i just ignore those since its not critical or important enough for them to even mention to fix it. So far all good experiences as long have payed attention when linking cards/accounts etc I like that you can send payments to my bank account or ACH directly from your email without having to pay any fees. It's also easy to track where all funds are going at anytime as well. The app is hard to navigate and takes too long to load so it was not pleasant using spendit while traveling. If speed is more important than ease use PayPal instead! This service has been extremely effective in helping me organize our finances by allowing us to keep detailed records of expenses and income.