Hello Friends. Today I am going to tell you all about my experience of using PhonePe app. I install this app by a link shared by friend. But after installation, the money earn by refferal code was not transferable to bank like Paytm. After some days, I make a transaction of money Rs 900. A scratch card was given to me. After scratch it, I was not gifted any money. After aome days, I make a transaction by PhonePe but it was cancelled and I lost my money. It was refunded after 20 days. I didn't like this app.