Easy to use if network quality is good. You can manage your debit card change m pin. It provides bank statement it is safe rare chances of fraud. I have made recharge using this app and it provides good service. But as compared to others it is not that much good like HDFC bank’s payzap. It has many bugs. We can send money to only those who have account in PNB. No cashback offers on recharge. Simply only for PNB customers . I started ECom service of my card with this app no need to go to ATM machine.