Now a days people don’t like to carry money ( notes&coins) in there pockets. So "PhonePe" is the best app to do all online transactions. From which you can transfer money, pay all your bills, recharge, do shopping and many other things. It is very easy to use and also have good security. You just need to add you bank details for once and the work is done. It also gives you voucher, coupons, offers, rewards etc. So I would recommend to use it