I have been using this app from last 1.5 years approx. Its very user friendly, if you want to take money from someone you can take it instantly using Paytm no need to find nearby ATM. Paytm was giving good benefits to its upgraded customers, some benefits are not available now. After demonetization paytm reduces its money transfer fee to 0% which is good for us. But these days we are facing some issues while transferring money to bank account may be because they are doing some changes in app and also upgrading limits. Its very useful for me.