It is good app for you. Transaction within bank accounts of almost all banks fast transaction to any bank account .my personal experience with the app is very good some time it doesn’t work but it’s ok you can recharge your mobile and cash back offers of 30% there for first three transactions and on first up payment there is also cash back offers it is very handy app smooth running of the app u can send money by contacts also or you through you payment good thing is that it recognises bank account associated with your phone number without any lagginess