I am using phonepe since 6 months ago.phonepe is not good app.
The app has many ways to do payments like.payments through credit cards, debit cards, net banking and UPI tranasaction.
This app is only good for UPI payments.
One of the biggest problem I faced on this app was whenever I used to recharge my phone through phonePe then it took around 3-4 hours to recharge my number. The money was debited but recharge process took around 4-5 hours.
It is a user friendly app.
And yeah this app is very good to know the current account balance of our bamk account which is linked to phonePe.
And useful for transferring cash faster.