I am using this app past six month and I have quit knowledge about this application. Although I have net banking in my bank account still I am very much interested in using Bhim app, because this app is very simple to operate and send money , request money. This app is as simple as you are thinking. Because app works 24/7 hour and I could able to send money to any one at any time .Anyone can operate this app, after download this app you have to just register in bhim app with your debit card number and you have to create a 4-6 digit passcode for app then it will automatically create a virtual payment address( VPA) , by this address anyone can send you money if he/she has also bhim app. You can also send money to others by their aadhaar card number which is connected in their bank account number.#This app could not run without internet, so make sure you have better internet speed connection.The good thing of this app is you can send any amount starting from one rupee and more. This app is simple safe and best