This app is fantastic for making direct bank to bank transfers. I use this all the time.
It even has a option in which one can get to the bank balance at a single click which is far better than giving misscall and waiting for balance SMS to arrive.
I have added two of bank accounts one is ICICI and the other is SBI with same registered mobile number. The good thing is you can make one bank account default and keep the other one as a back up in case of emergencies.
They even come up with upi offers some time which is cool.
You can even keep a passcode for opening the app.
Overall it is a safe and hassle free app in keeping a peaceful mind.