Hi this is Raghu I am using this app from past 6 months works very well Good app I liked it very well, it has no wallet transfer before doing transaction and also we can earn cashback by transferring amount weekly and also I can get scratch cards direct it will be transferred to the bank account after getting the scratch card money, very good good application by Google team works very well and safe also no hanging and also no ads very good to use compared to other wallets and easy way to transfer money.