BHIM app is so useful app that everyone should have this app in their phone. Because it is so easy to use. You can transfer money to any of the bank account. No need of account number, no need of bank name, no need of branch name, no need of ifsc number. You just need a phone number which link to that account and BHIM app. A phone number is all you need. You need to put your bank detail one time while registering. Within seconds money transfer to another account. The main feature of the app is that it works even without the internet via ussd service just by dial*99# and follow the instructions. There is no transaction fees for it. You can transfer even 1rs. to the account.