Usually I prefer net banking for any kind of transactions but after advertisement of bhim app by PM modi I installed it for use of online transactions today 25.1.17 I made on transaction from this app it's so easy and secure app I'm fully satisfied with this app there are no any chances for being cheated , totally safe no need to use paytm pay apps to install because there are chances of fraud .
I love this app the good one app for me , money can be taken or given directly to account