So I have been using this app past one year and now it has became user friendly. U can easy tranfer money from your wallet to bank. But it has an imp criteria that u should have completed your kyc. We can give our paytm wallet money to any one by just scanning the qr code or through phone number. You can even by through paytm we can even book or train and flight ticket it does not charge any extra charges for this . Now u no need to worry about change for any body just tranfer through your paytm. They coustemer service is also good they guide us very properly.