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.
Top Recommended Alternative
Avast One Free Antivirus
Ad
Free
4.3
CSC Digipay
Free
4.9
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.