When I heard about BHIM App then I thought why should I use it, there are already so many banking apps available. But when I tried it for the first time. I was surprised. It's super easy app to send or receive money directly in to the bank account. I have been using this app for last one year and now I can say that there is no app available better than BHIM UPI app. I am completely satisfied with the best app!
You just have to varify your number then add a bank account that's it. When you send money to other persons on their upi id or bank account number you just have to enter their id and click confrim. No OTP required. Just pretty easy to use.