Based on the user reviews, here are three cons and three pros, with 15 words or less for each: **Cons:** 1. Many users reported difficulty opening or using the app due to bugs and glitches. 2. Some users felt the app was too basic and lacked advanced features or customization options. 3. A few users experienced issues with withdrawing or transferring money, citing errors or slow processing. **Pros:** 1. Users praised the app's simplicity and ease of use, making it accessible to a wide range of users. 2. Many users appreciated the app's ability to help them track their expenses and stay within their budget. 3. Several users reported being impressed with the app's security features and encryption methods, giving them peace of mind. Please note that these conclusions are based on a snapshot of user reviews at a specific point in time and may not reflect the entire user experience.