It is the best you can get. Believe Me.The only problem is that there’s not a lot of user using this app.This is best app for sure.You can check Bank account balance.Make transaction without even transferring your money from Bank account to wallet.One of the best app for UPI. The interface is very smooth and transaction are incredibly fast.Only problem is the tiff going in PhonePe and ICICI Bank which makes transaction to ICICI a failure.I hope UPI gets NFC support. Somewhat like Android Pay.The future is Cashless. You can go for it. This app available on Play Store.