How to use PhonePe wallet?

Hey everyone!
I’m thinking of opening a PhonePe Wallet can someone from the community guide me on how to get started and make the most of its features?

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PhonePe can be used for many purposes-

1.) UPI Money Transfers
Instantly send or receive money between bank accounts using UPI without any charges.
2.) Bill Payments & Recharges
Pay electricity, water, gas bills, or recharge your mobile, DTH, and FASTag easily.
3.) Online & Offline Shopping
Make secure payments on shopping apps and at local stores that accept PhonePe.
4.) Financial Services
Invest in gold, buy insurance, or explore mutual funds directly through the app.