The plus-sign is weird.. it does not only add things, it's a hidden menu? (Placing it right in your face does not make the fact that it's a menu less hidden)
Making a payment requires three taps, where as this was only one (or two if you had another tap open). Shouldn't this be the easiest to access function in a banking app?
You can make a new account with less taps than you can start a payment, although making a payment is more frequent?