Hi today I am share my personal riview in phone pe.it is very nice app for banking I use from one year I installed from 2016 in november when the 1000 and 500 notes are closed at the it is very used by me its concept is very nice just a passcode and the money is tranfereed from one account to anothet account their is pay credit card electricity bill mobile recharge all.and also u found a cash back thehe a lot of offers. I suggest to all to download and use it.their are a lot of function if u want to add another bank it also available.