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Yeah when I first found it it seemed too good to be true but I've been using for almost a year and not one fee. They say they make money on interest from people's uninvested balances. One in a while they'll try to convince you to upgrade to gold but they don't force it down your throat the way some other apps do.

Any way of cashing out without upgrading? I've learnt there's no free lunch. Nothing is free anymore even in Freetown :)

Oh yeah you can cash out. You can put money in or out whenever. You do have to link a bank account but that's free too.