Been using V-Bank for about six months now and honestly it's solid for moving money around. The app interface is clean and everything loads fast sha, which is what you need when you're busy with deliveries and can't be wasting time. My only real complaint is that sometimes when I'm sending money to my family back home, the transfer takes longer than they promise like three hours instead of instant and that's frustrating when someone needs cash urgently. Overall though I've stopped going to the bank branch for normal transactions so they've saved me time and stress.