Free mobile online bank
Digipay is a financial app from CSC E-Governance Services India Limited. This free app delivers online banking services across India. It allows you to handle all your bank transactions through your mobile device.
The Digipay system is based on Aadhaar authentication, which eliminates the threat of any fraud and malicious activity. It also does not have any hidden charges involved. Although, it requires a smartphone with OTG support for a Biometric scanner. However, logging in does not end with a fingerprint password. It also requires a one-time password (OTP), which the app often takes ages to send to your number.
What does the app offer?
Digipay is a finance platform that delivers secure online banking services across India. As with other similar apps, it offers various features that make it convenient for you to handle your banking needs. Through this, you can perform a balance inquiry and access your passbook. You can also conduct domestic money transfers to pay for your bills and other purchases. Moreover, you can deposit and withdraw cash from your account.
It is a government banking app, so you don't have to worry about hidden charges for every transaction. There isn't even a transaction fee on NEFT transactions. Even better, it offers a good commission without any investment. And as it uses Aadhaar authentication, you are ensured that your money is safe from various malicious activities. It requires a valid Aadhar number before you can create your account.
Moreover, it needs its users to enter a one-time password every time they log in. However, while it does tighten the security, the app takes too long to send the OTP to the user's number. With this, logging in alone eats a lot of time. More than that, the app is prone to crashing, hindering you from completing any transaction. Worse, it has poor customer service.
Should you use it?
All in all, Digipay plays a vital role in making cashless transactions in India. The app offers various online banking services that work even in far-flung and banking-deprived areas. However, as it is, it could use some improvement. Logging in alone can be a hassle. Not to mention, the app is so unstable that it is hard to conduct any transaction.
