Paytm.com has helped me many times . Talking about paytm , this app allows you to send your money anywhere in the world only using using your phone and bank accounts if necessary , easy transactions , and many more great features added to the app like scan qr code of receiver , etc. You can add money using debit or credit card when ever you’re out of cash. Payment can also be done through the app and website. Most essential for those who use daily transactions but don’t want to keep cash in pocket as its vulnerable to theft. Paytm also allows you to set password for passbook so that no one can transfer your hard earned cash without your permission. You also receive a text message everytime a transaction is done to keep record of time and everything. Passbook works same as like bank passbook it keeps record of received and sent money. Thats for all I recommend it to everyone, since I have been using it since years and almost done more than 50, 000 transaction over app. Its super secure and dependable. Good luck.