It's a UI layer on top of an old-fashioned bank. It offers worse rates, perks, benefits and service than Ally, Schwab or Fidelity. Good if you want something pretty on the side, I suppose.
The app is nicer and the barrier to start very low. I started using it when I got rid of Ally. Youre right there are no perks to Google Wallet Card but the perks from Ally and other banks are not very useful for the use described above. Basically, they are putting a tiny amount of money aside and spending it all in the next 30 days.
I havent used the app but Simple sounds pretty good since you can set multiple "goals" (I think they should call them buckets or envelopes or something).
Simple is beautiful for budgeting. Every month I use their "goals" as budgets (Rent, recurring costs, motorcycle, day-to-day, insurance, etc.) and I set aside all the money I'm going to spend in each category for the month - and just mark the transactions from that goal. Makes it very easy to budget. There could be improvements - but this works wonderfully right now.
Simple is great but it's a bit confusing when looking at your balances. If you are just using the mobile app it's fine because it hides your stashes but the web app spills the beans when it tells you how much money you really have.
I havent used the app but Simple sounds pretty good since you can set multiple "goals" (I think they should call them buckets or envelopes or something).