I uploaded PhonePe for an ease in online transactions since I already had a savings account and was very happy with it. It was very easy to use the app since all you have to do is link your bank account or your debit/credit card to it!
Phonepe provides services like UPI Payment, Bank transfer, Credit card payments, insurance, bill payments and many more. It also has various cashback offers for its users.
I, once, had a problem regarding a transaction I had made and contacted the customer service. They were very helpful in solving my problem.
All in all, I have had a good experience with the app and would recommend you to try it too.