I want to share my experience of pay pal payment bank. I am using this app from two month. This app is use for transfer and transition of money. For creating accounts When I link my mobile number with adhar card then we find a SMS your pay pal payment bank account is created. this is work properly. I am totally satisfied with pay pal payment bank. You can transfer money to another bank account. But it can take service charge for transfer money. This is not provide cheak book or other thing. In Bhim app UPI does not work properly. Take less time. User friendly.