This app is very useful for mobile recharge or bill payments. There are many apps available in the market who provide exactly the same things but I like this one because it does not charge you a penny for transferring your wallet money to your bank account. So you just need to add your UPI account with your phonepe account and you are good to go. My parents don’t use net banking so it was difficult to transfer money from their bank account to my but after this app I can transfer money flawlessly. may be they take some time but it is not more than 1 hour. And RBI also approved this wallets to do the business, there is no need for fraud. Before this app I was very fond of paytm but I didn’t like the fact that it charges you each time when you want to tranfer your wallet balance to the bank account. But phonepe changed the whole game no more extra charges for bank transfer very cool feature. Theyt also provide various cashback and it also works very well. Only thing which I don;t like is that one can use only 20000 rs er month in each wallet which is very small amount. I know that RBI made such rules for money laundering. Phonepe app works without any issues and the layout is very attractive. I think they should have a website with same features likr the app. Paytm freecharge all have their own websites and it is useful when you want it in your PC or laptop. I feel in future they will implement some of this. Each month I transfer a good amount of money through this app. Initially I was skeptical but after using it for 3 months I can say that it is the most awesome wallet service in India. Even they are better than google TEZ. Phone is much faster than its competitors and they are providing a healthy amount of services. Even you can buy gold. Red bus service is integrated in its app. Another great service you will get if you buy regular from flipkart. Flikart refunds your money instantly in your phonepe account and you can buy again with this balance. It supports the other wallet services like JIO MONEY and FREECHARGE. If you use this wallets you can use those wallets balance in this app. For example if you have some balance in your freecharge account you can use that balance in this app and you don’t need separate app for that pretty cool.