I know that you did not find any Digibank physical premises at you location and any Digibank ATM accross India but you will love Digibank features. If you have Android Smartphone, Digibanks apps makes your Smartphone into Bank and after biometric verification, you will receive ATM Card with Zero Rupees Annual Charges. You can send money to your digibank account by neft, rtgs, imps, upi or any other way and withdraw money from any bank ATM for unlimited times. So, No worry about 5 times money withdraw in a month. You do not need to maintain a minumum balance of Rupees 10000 per day like other bank to avoid huge fine for maintenance cost and you do not have to pay annual fees for ATM card. You will earn 7% interest also from Rupees 1 at your digibank savings. You will get cashback offers like paytm from time to time. You can send money to Any Bank Account by neft, rtgs, imps with Zero Rupees Transaction Fees. But at present you miss UPI money transfer features but I hope Digibank will adopt this UPI features quickly because UPI is the best way to transfer money into any Bank Account by use of virtual Bank Address like Email Service and it is complete free now. You can send money instantly by UPI money transaction upto Rupees 100000 per transaction with multiple times in a day for a transaction fees of less than One Rupee for any Bank to Bank in India. But I have to say that you can use Digibank Account as a complementary Bank Account with addition to your bank account to smooth your day to day transaction. Suppose you want to withdraw money above your Usage Quota from any ATM that is specified by your bank, You have a good way if you have Digibank ATM card. You can transfer money instantly by UPI money transfer from your smartphone to your Digibank account and withdraw money from your Digibank ATM card at the same ATM by smart way like a smart people. NO WORRY because Digibank is approved by Reserve Bank of India and it is one of the biggest bank of Asia. I hope Digibank will be better replacement of Zero Balance Account by Jana Dhana Account with great features for Any Smartphone User.