I am very happy with paytm payments bank. I am using paytm payments bank for almost 2 years. In these 2 years I never had any problem with paytm payments bank. Paytm payments bank is the most secure and fastest payment method. All the transactions I have done with paytm payments bank till now, I have not faced any problem till now. I am still using paytm payments bank but till now no annual charges or transaction charges has been levied on me in paytm payments bank. Paytm payments bank gives you 2.5? per annum. If you make fixed deposit in paytm payments bank, then you get interest at the rate of 5.5? per annum.