Home Tech 15 Best UPI Apps For an Instant Real-Time Payment

15 Best UPI Apps For an Instant Real-Time Payment

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Introduced back in 2016, 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 the people who had no idea whatsoever about the 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 the online transaction 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 Apps For an Instant 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, and Zomato, etc.  

100% Safe & Secure Payments with Paytm!

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 App on Google Play Store

Download App on Apple App Store

2. Google Pay: Save, Pay, Manage

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.  

Best UPI Apps

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 App on Google Play Store

Download 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.  

Best UPI Apps 1

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, 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, and 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, and 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 App on Google Play Store

Download 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.  

Best UPI Apps 2

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, and Samsung, etc.

You don’t need to worry about your data, as the app ensures maximum security to 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, and 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 App on Google Play Store

Download 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 Bank | Stay Safe From Bank Frauds Against Covid-19 Vaccine Registration

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 App on Google Play Store

Download App on Apple App Store

6. Freecharge: Pay Later, UPI, Recharges, Loans

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.

A Payment App Offering New Age Financial Services

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, 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 App on Google Play Store

Download 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, make hassle-free payments to your contacts, at the shopping stores, service providers, and local vendors. 

15 Best UPI Apps For an Instant Real-Time PaymentThe 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 App on Google Play Store

Download 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. 

15 Best UPI Apps For an Instant Real-Time Payment

Choose from a wide range of 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, and 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 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 App on Google Play Store

Download App on Apple App Store

9. BHIM Baroda Pay

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).

Best UPI Apps 5

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 at 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 App on Google Play Store

Download 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.  

How to Pay a Contact with iMobile Pay

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 App on Google Play Store

Download 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.  

BHIM 2.0 | Digitizing payments, simplifying life

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 any time  
  • Screen lock for even better security  
  • Relatively easier and user-friendly user interface  
  • Allows you to locate nearby by 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 App on Google Play Store

Download 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.  

15 Best UPI Apps For an Instant Real-Time Payment

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 App on Google Play Store

Download 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!

Best UPI Apps 7

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 simple 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 App on Google Play Store

Download 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.  

15 Best UPI Apps For an Instant Real-Time Payment

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 App on Google Play Store

Download 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.  

Presenting YONO by SBI - Lifestyle & banking, dono

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 App on Google Play Store

Download App on Apple App Store

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!