This is the best application I have ever used to transfer money. This application is available free at google play store and ios store. we just need to link this phonepe wallet with our bank account, then we can use our wallet cash or our bank cash, and also we can use both the bank and wallet money in one go(excluding cashback). This application is giving a number of offers like If you complete your first upi transaction you would be getting a 50%cashback of maximum 100rs, and there are many more offers other than this.
You can use this application to earn by referring your friends and another benefit is that you can check the balance of your linked bank account protected by a pin.
I would recommend everyone to use this application.