I am used paytm payment bank. It is s best application because its interface is a good and that main part of saving account .paytm gives free saving account and vertual debit card, cheak book draft to us.and I also like paytm because its interface and feachere is very good.and you can easily transfer money
And mobile recharge, fund transfer, billing, ges booking and many option comes in paytm.
You can put your money in fixed account.
It is a very usefull app, and digitel india app