Introduced back in 2016, the Unified Payment Interface (UPI) is playing a very important role in the Indian online payment system. It’s very fast, very secure, and is helping millions of Indians in cashless transactions without any problem.
Thanks to its very simple yet secure payment gateway, UPI has now become a necessity instead of a luxury even for people who had no idea whatsoever about online transaction.
From the biggest of businesses to street vendors, almost everyone is accepting online payments thanks to UPI. And, as expected, dozens of different apps are designed for both Android and Apple users to make online transactions even easier and simpler.
By any chance, if you are someone who hasn’t started online payments through UPI and planning to start in the coming days, or you are wondering, which UPI app is the best option for you, here are the best UPI apps in India you can have a look at.
Best UPI Payment Apps in India For Payment 👌👌
1. Paytm – UPI, Money Transfer, Recharge, Bill Payment
Paytm is India’s number one, one of the most trusted payment apps that allows you to transfer and receive money instantly via BHIM UPI.
Also, you can pay instantly at shops, merchants, vendors, and various online marketing and services apps like Amazon, Flipkart, Ola, Uber, Swiggy, Zomato, etc.
What more? You can do a lot of other things including mobile recharge, DTH recharge, Fastag recharge, bill payments, mutual fund investments, etc. on the app.
Whether you want an app for all your online transactions, or you are in search of a reliable platform through which you can securely invest your money, or you want to get some amazing insurance benefits, you can do it all on the Paytm app,
Features of Paytm:-
- Send and receive money directly in your bank account without any security risk
- Check your bank account balance anytime and from anywhere
- Recharge your and your family’s phone number without any hassle
- Buy and manage Fastag for your vehicle
- Safe, contactless, and secure payments at a wide range of offline stores
Devices – Android and IOS
Ratings:- Google Play Store – 4.6 / 5 | Ratings on Apple Store – 4.7 / 5
Download the App on Google Play Store
Download the App on Apple App Store
2. Google Pay: Best UPI app with cashback
Manage all your UPI transactions, mobile recharges, payments bills, and businesses right through your bank account with Google Pay – One of the best UPI apps designed and developed by Google.
You can join millions of people who are already having a great online payment experience with Google Pay. Get exciting offers on bill payments and mobile recharges! Refer your friends and family members, and get some extra rewards with every payment.
The app ensures maximum security for your hard-earned money. And, when the security is promised none other than Google, you get multiple reasons to trust the app. With a world-class security system, the app allows you to manage your bank accounts without frequently visiting the branches.
Each transaction on the app is secured with a unique UPI pin only you know! For further security, you can safeguard your data with an additional device lock method.
Features of Google Pay:-
- One of the most secure payment apps
- Conveniently pay electricity, broadband, mobile, gas, landline, and water bills
- Get the best offers on mobile recharges and bill payments
- Manage your bank accounts at your fingertips, without risking your data
- Shop from a wide range of specialty brands right within the app
Devices – Android and IOS
Ratings on Apple Store – 4.7 / 5 | Ratings on Google Play Store – 4.2 / 5
Download the App on Google Play Store
Download the App on Apple App Store
3. PhonePe: UPI, Recharge, Investment, Insurance
Send and receive money, pay mobile, DTH, and utility bills, get the best offers at your favorite shopping destinations, and more. PhonePe is one of the best UPI apps that allows you to pay using your unique UPI, PhonePe Wallet, Debit, and Credit Cards of any bank.
PhonePe is a very reliable platform that allows you to make payments seamlessly across the country. You can use the app for instant and secure money transfers with UPI, mobile and DTH recharge, and utility bill payments including water, electricity, and gas.
If you want to pay for your car, health, travel, bike, life, or accident insurance, you can do that easily with the app. In addition, the app offers you much more! You can securely invest in tax-saving mutual funds and gold as well.
What more? You can also use the app for paying for your favorite food, grocery, shopping apps, travel, etc. without even downloading them.
Features of PhonePe:-
- Easy, instant, and secure online payments
- Allows you to pay across different online shopping sites including Amazon, Flipkart, Myntra, etc.
- Order your favorite foods from popular food apps
- Contactless and secure offline payments at local stores
- Buy and sell gold at the latest gold prices
Devices – IOS and Android
Ratings on Apple Store – 4.7 / 5 | Ratings on Google Play Store – 4.3 / 5
Download the App on Google Play Store
Download the App on Apple App Store
4. MobiKwik – Recharge & Bill Pay
MobiKwik is among the most popular and best UPI apps that assist you in all your daily payment needs.
Using the app, you can easily manage all your financial needs very easily in one place – From UPI payments to getting decent limited credit to “Spend Now and Pay Later” or investing in different schemes, the app helps you to a wide range of things related to your finance.
The app allows you to link any bank account and start paying and receiving money via BHIM UPI. Also, the app is a very trusted platform for instant mobile recharges, bill payments, and all types of transactions at thousands of trusted websites and apps like Grofers, Flipkart, Amazon, IRCTC, MakeMyTrip, Myntra, Xiaomi, Samsung, etc.
You don’t need to worry about your data, as the app ensures maximum security for all its users. Simply use your phone number, and get started!
If you don’t have an internet connection, or you are stuck in an area with a weak network, you can rely on the app to scan and pay through QR codes at most of the local stores, vendors, cabs, etc.
Features of MobiKwik:-
- A UPI app with so many additional features
- Allows you to send and receive money from any UPI ID and App
- Offline QR payment for making payments anytime and anywhere
- Allows you to shop online with monthly EMIs
- A very good way of investing in direct mutual funds without any commission
Devices – IOS and Android
Ratings on Apple Store – 4.7 / 5 | Ratings on Google Play Store – 4.1 / 5
Download the App on Google Play Store
Download the App on Apple App Store
5. Axis Mobile – Fund Transfer, UPI, Recharge & Payment
Axis Mobile is a user-friendly, safe, and secure mobile app with 250+ cutting-edge features and satisfying services. Opening a bank account got a lot easier thanks to the simple, secure, and fast user interface.
Using the app, you can get your digital bank account up and go from anywhere. The app is known for its extraordinary security powered by video-based KYC that allows you to set up your bank accounts instantly from anywhere without risking your money or data.
Axis Mobile is one of the best UPI apps with an interactive, multipurpose dashboard. You can manage all your UPI transactions using a unique, very secure 6-digit UPI pin. The app offers you a lot more than simple banking services.
You can use the app for grabbing exciting deals on various brands across lifestyle, travel, shopping, online food delivery, and much more.
Features of Axis Mobile:-
- Simple, secure, fast, and reliable app for all UPI transactions
- Allows you to make instant payments at different stores and vendors
- Manage your bank account easily at your fingertips
- Helps you to pay utility bills to more than 200 verified billers
- Check your credit card statements anytime and anywhere
Devices – IOS and Android
Ratings on Apple Store – 4.6 / 5 | Ratings on Google Play Store – 4.5 / 5
Download the App on Google Play Store
Download the App on Apple App Store
6. Freecharge – Best UPI app for teenagers
Go cashless without any hesitation with FreeCharge! You can create a BHIM UPI ID and link any bank account & start paying online instantly! FreeCharge UPI is powered by one of the world’s most powerful and trusted banking networks, Axis Bank.
You can set and use a single UPI ID for all your bank accounts. Sending and receiving money through the app is as easy as creating your profile on it!
Send money to anyone having a valid UPI ID. Transact directly to the bank account using the bank account number and IFSC code.
Request payments from the people you trust. Pay at a wide range of online and offline stores! Simply, scan and pay through the QR Codes powered by UPI.
What more? You can enjoy a hassle-free experience while recharging your and your family’s mobile numbers, pay utility bills with excellent security, grab the best deals on various websites and apps, and buy great discount coupons from popular brands at really surprising rates.
Features of Freecharge:-
- Instant and secure UPI payments to anyone with a valid UPI ID
- Direct transfer to bank accounts
- Exciting cashback offers throughout the year on mobile recharges, bill payments, and gift cards.
- Tax-saving mutual funds
- Get access to all your transactions in one place, and get instant help on doubtful transactions
Devices – IOS and Android
Ratings on Apple Store – 4.6 / 5 | Ratings on Google Play Store – 4.0 / 5
Download the App on Google Play Store
Download the App on Apple App Store
7. Amazon Pay – Shop and Pay
The Amazon India app is another very reliable app that doesn’t only allow you to transfer and receive money instantly but also brings to you a complete range of products across different categories at great prices.
You can use Amazon Pay for instant payments on your purchases, and make hassle-free payments to your contacts, at the shopping stores, service providers, and local vendors.
The app s packed with some great features including hassle-free, quick, and secure payments, faster refunds, easy mobile recharges, and DTH recharges, simple and secure bill payments, ticket bookings, and a lot more. All your transactions are secure and safe, and only you can check them whenever you want.
Features of Amazon India – Shop and Pay:-
- Quick and safe online payments with your UPI Id
- Bank-to-bank, perfectly encrypted, quick transfers
- Allows you to scan and pay across the shops and vendors
- Easy, fast, and secure recharges and bill payments
- Manage your bank accounts with maximum security
Devices – IOS and Android
Ratings on Apple Store – 4.6 / 5 | Ratings on Google Play Store – 4.3 / 5
Download the App on Google Play Store
Download the App on Apple App Store
8. JioPay from MyJio
JioPay is not a separate app, but a very exciting feature of your favorite MyJio app. The all-in-one app from Reliance Jio is now offering a very secure and fast payment through its entity JioPay.
You can use the JioPay feature in the app for making instant payments directly to the UPI-enabled bank accounts, direct money transfers to the accounts without UPI.
Choose from a wide range of the latest recharge plans not only on Jio but on other leading networks as well. Avail of the latest offers on bank transfers, mobile, and recharges, and link your JioPay account with various other wallets and cards including JioMoney, Paytm, PhonePe, etc.
If you are a Jio customer, this one is one of the best UPI apps from various aspects. You don’t have to download a separate UPI app for payments. Do it all on the MyJio app itself, and enjoy a hassle-free online payment experience.
Features of JioPay:-
- An all-in-one app with dozens of useful features
- Very simple and intuitive user interface
- Great discounts on UPI payments from partner brands and services
- Allows you to scan and pay at most of the leading local merchants and vendors
- Doesn’t take up a lot of space in your device
Devices – IOS and Android
Ratings on Apple Store – 4.6 / 5 | Ratings on Google Play Store – 4.3 / 5
Download the App on Google Play Store
Download the App on Apple App Store
9. BHIM Baroda Pay – Bhim UPI app
UPI payments are made fast, reliable, secure, and friendly with one of the best UPI apps – BHIM Baroda Pay presented by the Bank of Baroda. The app lets you link any of your bank accounts (yes, you don’t require a Bank of Baroda account to use the app).
Send the money quickly and securely to any bank account, and receive the funds directly into your bank account, all by using a unique, single UPI ID. If you are a merchant, you can easily register and start receiving payments on the go!
Simply download the app, create a unique UPI ID, and that’s it! You are ready to enjoy a very unique yet simple way of making payments
Features of BHIM Baroda Pay:-
- Very easy to download and access, highly secure
- Absolutely free of cost, no hidden charges
- Allows you to link multiple bank accounts in one place
- Becoming a merchant and receiving money got quicker and easier than ever
- Transfer funds quickly and securely to any UPI ID or bank account
Devices – IOS and Android
Ratings on Apple Store – 4.5 / 5 | Ratings on Google Play Store – 4.2 / 5
Download the App on Google Play Store
Download the App on Apple App Store
10. iMobile Pay by ICICI Bank
iMobile Pay is one of the most comprehensive UPI apps for a very secure mobile banking system and offers more than 200 banking services right at your fingertips.
Pay and receive money from anyone instantly through the Unified Payment Interface using your virtual UPI ID. One ID for all types of online transactions! You can easily manage all your online transactions from multiple Savings accounts including PPF, iWish, Loans, Cards, Deposits, Insurance, and PayLater, etc.
Checking your account balance is made very simple and easy with the app! View and email the detailed bank statement and also view your passbook right on your mobile!
The “Favorite” feature of the app allows you to transact even faster. You can tag any of your transactions as favorite, and can quickly access and complete the transactions in seconds.
Features of iMobile Pay:-
- One of the most comprehensive, secure, and quick online payment interface
- Various services include banking, locating an ATM, checking the status of the cheque, ordering a checkbook, tracking various services right from your comfort zone
- Allows you to easily manage all your credit cards
- Get detailed information about the transactions, TAT for service requests
- Track all your deliverables without much fuss
Devices – IOS and Android
Ratings on Apple Store – 4.4 / 5 | Ratings on Google Play Store – 4.4 / 5
Download the App on Google Play Store
Download the App on Apple App Store
11. BHIM – Making India Cashless
BHIM (Bharat Interface for Money) is one of the best UPI apps designed to ensure safe, instant & easy digital payments through your mobile phone.
All you have to do is to link your mobile number with your bank account! That’s it! From signing in to set up your payment options to start transferring money, and paying bills, you can do it all in a matter of minutes.
Whether you want to receive or send money, or you need an app to pay utility bills, and scan and pay at nearby stores and vendors, the app can singlehandedly do it all for you.
If you are not sure about the shops that accept payments through UPI, the app can help you to locate them as well!
Features of BHIM:-
- A very secure and powerful payment app from NCPI
- Custom UPI IDs you can change at any time
- Screen lock for even better security
- Relatively easier and user-friendly user interface
- Allows you to locate nearby shops with UPI payment options
Devices – IOS and Android
Ratings on Apple Store – 4.3 / 5 | Ratings on Google Play Store – 4.2 / 5
Download the App on Google Play Store
Download the App on Apple App Store
12. Airtel Thanks – Recharge & UPI
The popular My Airtel from Bharti Airtel is now Airtel Thanks, the all-in-one, multi-featured UPI payment app for all types of online payment through the unique UPI ID.
If you want an app that can help you with a wide range of services, Airtel Thanks is one of the best UPI apps, especially for Airtel users.
From BHIM UPI to Bank account management, Wynk Music, and Recharge, the app allows helps you with a wide range of useful options.
The app allows you to instantly and securely send and receive money instantly to and from any bank account and any UPI app. Whether you want to recharge your mobile number or recharge your DTH or FASTag, the app makes things really easy, quick, and very secure.
Manage and pay all your utility bills in one place! Electricity, water, broadband, gas, and postpaid bills, you can pay all other types of bills right from your smartphone, and that too, without worrying about your hard-earned money – it’s absolutely secure with the app!
Features of Airtel Thanks:-
- One of the most useful UPI apps with some very useful additional features
- Exciting offers on UPI Payments recharges, and bill payments
- Scan and pay instantly across different UPI-enabled local shops and services
- Request money from anyone without risking your important data
- Manage all your Airtel services in one place
Devices – Android and IOS
Ratings on Google Play Store – 4.3 / 5 | Ratings on Apple Store – 4.2 / 5
Download the App on Google Play Store
Download the App on Apple App Store
13. BHIM SBI Pay – UPI, Recharges, Bill Payments, Food
BHIM SBI Pay is one of the most innovative and among the best UPI apps that allows you to send and receive money instantly to any UPI-enabled bank account.
The app is packed with some other very useful features as well. Bill payments, recharges, food orders – you can do it all through a single app. You don’t even have to think twice before downloading and using the app!
You can start paying through your UPI Id irrespective of the bank you have your account with. Simply download the app, and start paying instantly and securely.
The app allows you to make instant payments at your convenience even on the holidays! With the app, you can’t only manage and pay all your bills, but can order food online from your favorite local restaurants.
Bill payment is made simply like never before with BHIM SBI. Simply fetch your bill details using your unique identification number or customer ID, and pay instantly only with a few clicks! Get bill reminders, never miss them, and avoid the penalties!
Features of BHIM SBI:-
- Very simple, reliable, and instant app for all types of digital payments
- Bill payments and reminders
- Helps you with the latest exciting deals from local stores and vendors
- Allows you to toggle between merchant and customer modes
- You can also send money using the Aadhar Number, Account Number, and Mobile Number of the receiver
Devices – Android and IOS
Ratings on Google Play Store – 4.1 / 5 | Ratings on Apple Store – 3.8 / 5
Download the App on Google Play Store
Download the App on Apple App Store
14. DakPay UPI by IPPB
DakPay is another very reliable, easy, and safe UPI payments app that allows you to instantly transfer and receive money using the BHIM UPI in your smartphone. Using the app, you can also make quick and hassle-free payments at a lot of online and offline stores.
All you have to do is to link your bank account using your mobile phone, and start transferring money only in a few steps!
The DakPay app is fast, reliable, secure, and easily meets all your banking requirements, and is surely a much better option than internet banking.
In addition to UPI payments, you can also send money directly to the bank accounts using the required details. What more? The app allows you to check your bank account balance, save and change beneficiaries, and manage multiple accounts across hundreds of banks.
Contactless offline payment is also available on the app. You can pay across the stores and services simply by using the dynamic QR code of the app.
So, you don’t have to worry if you don’t have cash in your wallet! Shop, scan, and pay at medical stores, dairies, groceries, and other local service providers.
Features of DakPay:-
- A very simple, tiny, and user-friendly interface
- Very easy to link your bank accounts and start UPI payments
- Allows you to transfer money even to the users not yet on the UPI network
- Manage all your bank accounts and check transactions anytime
- Safe, contactless QR payment at a wide range of local merchants
Devices – Android and IOS
Ratings on Google Play Store – 4.0 / 5 | Ratings on Apple Store – NA
Download the App on Google Play Store
Download the App on Apple App Store
15. YONO SBI: The Mobile Banking and Lifestyle App
If you are a State Bank of India customer, here is one of the best UPI apps specially designed for you. YONO SBI app lets you use UPI for money transfers directly from your SBI account.
In addition, the app also allows you to bank, pay bills, shop, invest, recharge, avail railway tickets from IRCTC, book movie tickets in a very convenient way.
Thanks to a wide range of features, you can’t only manage your SBO accounts, debit, and credit cards in one place, but also get some exciting offers on bill payments, recharges, and ticket bookings, etc.
Send money directly to the bank accounts linked with UPI ID only by using the phone number. One special feature makes YONO SBI an excellent UPI app.
You can transfer the funds very easily even to the unregistered beneficiaries using the beneficiary VPA. What more? Use account number and IFSC code to transfer the money to the bank accounts without UPI.
Features of YONO SBI:-
- All types of fund transfers
- View, pay, and manage all your utility bills
- Manage your SBI Debit and Credit cards
- Request for checkbooks
- Manage your NCMC card right from the comfort of your home
Devices – Android and IOS
Ratings on Google Play Store – 3.6 / 5 | Ratings on Apple Store – 4.2 / 5
Download the App on Google Play Store
Download the App on Apple App Store
📗FAQ
Which is the best UPI app for iOS?
Google Pay, PhonePe, PayTM, Amazon pay, BHIM UPI, etc. are some of the best UPEI applications for iOS and are known to completely transform the concept of money transfer.
Is UPI available on iOS?
Yes, a lot of UPI applications like Google Pay, PhonePe, Amazon Pay, PayTM, and BHIM UPI apps bring UPI on iOS devices.
Which UPI platform is best?
Bharat Interface for Money or BHIM is one of the best and the most trusted UPEI platforms. Other leading applications include Google Pay, PayTM, PhonePe, Amazon Pay, etc.
Is BHIM app available for iOS?
Yes, BHIM is easily available for iOS devices and is designed to facilitate easy, safe, and instant digital payments right from your IOS device.
What is the difference between UPI and Bhim UPI?
UPI or Unified Payment Interface is a massive system that brings multiple bank accounts together into a single mobile application, merges several banking features, and ensures seamless fund routing as well as merchant payments into one hood.
The overall payment software and experience are offered by UPI. On the other hand, BHIM is an application available for iOS and Android devices and works on the underlying UPEI technology to facilitate payments across platforms and bank accounts.
How do I put a UPI on my iPhone?
You have to open “Apple ID” from the top of the “Settings” page. Now, select the payment and shipping options. Choose the payment method, and select UPI.
Can we use GPAY on iPhone?
Yes, you can definitely use Google Pay on your iPhone with IOS 10.0 or higher. All you have to do is to download the application from the App Store, enter your mobile number, and sign in with your Google account. Follow the instructions to add your bank account, and verify your SIM card, and you are more than ready to go!
Does Apple accept Paytm?
Yes, you can use a wide range of UPI addresses such as PayTM, PhonePe, BHIM UPI, and Google Pay to facilitate payments on your Apple device.
Does Apple accept RuPay?
Yes, you can use a wide range of UPI applications, including RuPay on your Apple device.
Is Apple Pay a UPI?
Apple Pay is not primarily a UPI platform. However, apple adds UPI as well as net banking as payment options for Indian users on the App Store. So, you can seamlessly enjoy all types of UPI platforms on your Apple Pay account.
Can I use Apple Pay in India?
No, apple hasn’t introduced dear flagship cashless payment Apple Pay in India yet, and you cannot use it if you are in India.
Does HDFC support Apple Pay?
No, the HDFC card only supports iPhones and iPads and is not available to use with Apple Pay.
Which banks work with Apple Pay?
American Express, Bank of America, Capital One, Barclays, Citi, Chase, Discover, Goldman Sachs Bank USA, etc. work perfectly with Apple Pay, and you can enjoy using the service if you have a card holder from any of the above-mentioned banks.
Which Indian banks support Apple Pay?
The supporter of Apple Pay is available to visa, MasterCard, and American Express debit and credit cards issued by Standard Chartered, POSB, CBC, DBS, HSBC, UOB, and Citibank.
In which countries is Apple Pay available?
Apple Pay is available in countries and regions that support contactless payments, including North America, South Africa, Asia-Pacific, the Middle East, Australia, Europe, Latin America, and the Caribbean. Always confirm with your bank, and ask about the possible additional fees you may have to pay for overseas usage.
Conclusion
That wraps up our list of the best UPI apps for Android and IOS. Although Paytm is by far the best UPI app for multiple reasons, all other apps are also packed with similar features and can be immensely helpful for quick and secure online payments.
Some of the apps are designed especially for the customers of particular service providers, while some are available for everyone.
Hopefully, you have liked our review, and you have now a complete list of UPI apps that can completely change the way you are paying and managing your bank accounts.
If you have something to ask, or you want to give some suggestions, the comments section is waiting for you!
