This app allows you to do transaction within banks and also using UPIs by adding them in the app once you registered your number with the app. The app works only if the mobile number which is linked with the your bank account is registered.
This app says that if you refer a friend a you will receive a 50% cashback on the amount you transfer to other Phone Pe user which I never received and I also it says for the first recharge you will receive 100% cashback on your first prepaid recharge/postpaid bills//electricity bills/DTH recharges which I got not even 50% of the recharge amount.
I have referred many friends but only few are done successfully.
Now the app offers are changed periodically now referring a friend will give you rupees 50 and for first recharges it is the same rupees 50 and for the 5th transaction as well. Who knows will the user gets the cashback. I have send the money to other Phone Pe user to get rupees 75 which I haven’t received yet. Concept is good but they are not doing what they are supposed to do. The app design and the options are appealing and has lots of other feature which you will find useful at times.