We all know about paytm app.but paytm app has added one big features of paytm bank.this bank is virtual bank, behaves like an original bank.it provides also virtual debit card which is valid anywhere.paytm bank also provide fix deposit feature.it paytm bank is open through kyc which require your aadhar card and pan card.it give intrest of 4% per annum and 6.85% on fixed deposit.this bank is open by shopkeeper, at last I will suggest you that you should use this app, thank you
