Crashing Cellphone App

I us with extreme annoyance that I place this report on Captiec. I use my cell app once a month to transfer money to my husband. Every month I have to visit a branch to have my app reset before I can use it. I also cannot reset it myself as it is unable to contact home affairs. Not a single person at Capitec can sort this out once and final and also no reason is provided why it happens. I find this extremely poor as I am a pensioner and it is costing me money to go to a branch every month.