My experience has been abysmal and what's more, they have STOLEN my money. They froze my account for some trumped up reason, which they won't disclose to me, and will not allow me to transfer my money out of the account. They also promised $10 for opening this account which I never got. Shame, shame, shame! It may not be a big deal but I will inform all of my friends. I have not had these problems with PayPal.