Whoever gave this app 5 stars has either been bribed or has never used it. Minimum functions with no phone tap payment options, Blik, NFC..etcTransactions appear a few days after they happen.Since the 'upgrade'..in order to access your account you need to enter a code sent by sms...but...the app goes back to the login page when you try to open the sms..thus rendering the code null and void. I didnt think this app could get much worse but well done Alior