22seven is safe to use. It is all encrypted and they don't even know your login details. It's also read-only access. They also have insurance in case of a breach for full refunds (which is unlikely to ever happen). I have been using 22seven for 4 years without any issues. It is an awesome app and free (in the past you had to pay for it). You can read more about the security here: https://www.22seven.com/securityHow does 22seven work, you share your password with them? I understand that they backed by Old Mutual but will FNB refuse to help if there happens to be some fraudulent activity and they find out 22seven is synced to your account?