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.