Google tez is my one of the best money transfer application. It is very useful for make payment like mobile recharge, electric bill, shopping and any other payment. It works like Bharat interface for money but it has many features than BHIM, You can send money without extra charge like BHIM, You can add more bank account here, it is very trusted because its the service Google, so you can trust on it. I made many payments by tez and I got reward as well. So now we dont need to go bank for money transfer.