Phonepe is one of the best application for online transactions. It is very fast and easy to use as it is very user-friendly. I am using this application since 2018. I have a very good experience using this. It us very useful application. You can send money to your family and friends from your bank account using usiinstantly within minutes from this application. You can also pay your utility bills and even recharge your phone or DTH. You can also request money from another person on PhonePe. They also give you rewards for using this application such as shopping vouchers and cashback. I also use this application for online shopping and food ordering. I would say it is all in one and number one application.