After Demonetisation alll are moving towards cashless transaction for all day to day activities. In this so many e walllet and UPI app has developed which help to go cashless transaction. Among all Phone pe is one of the UPI app whic can be used as your E Wallet also like other apps whis is developed by YES BANK. But this phone pe app is unique from all other app. Main feature of this app is you can transfer amount to any other bank Ac from your bank ac without loading money to wallet, and that also without any extra fee. also it works like other upi you can send amount to your friend or any one who ragisterd with this by just selecting there mobile no. Also you can pay at merchant shop by scanning bar code . And even you can generate your own bar code and request for pay. Othe feature like mobile , DTH , bill payment, split bill many more feature is available in this app. I think this one is one of best upi app. And I hope since this is a starting stage in future they may come up with new feature and interface for user.