In India, UPI apps are changing how we transfer money. People are moving away from traditional bank transactions to using technology-driven UPI systems. Nobody wants to wait in long lines at the bank anymore. As a result, almost every bank now offers a UPI app for online transactions.
The Indian government is also promoting digital payments, introducing systems like BHIM UPI for real-time money transfers, bill payments, recharges, and more. After downloading a UPI app on your phone, you can do all your payment tasks easily. Here are the top ten best UPI apps in India and their main features.
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1. Google Pay
Google Pay is the most popular UPI app in India. It’s easy to use and has a user-friendly interface with many features.
Key features of Google Pay:
- Multiple layers of security from your bank and Google
- Works with almost all banks in India that support BHIM UPI
- Pay DTH, broadband, electricity, FASTag, and LPG bills
- Latest mobile prepaid recharge plans
- Check your bank account balance
- Get rewards and discounts
- Pay through QR code scanner
- Book tickets, shop online, and order meals
- Payments with debit and credit cards
- Buy and sell 24K gold
- Send money directly to any bank account
- Loan options available
Google Play Store: Released on September 17, 2017, Rating: 4.4 stars, 1,000,000,000+ downloads
2. PhonePe
PhonePe is another popular UPI app known for its stability. It has a 4.3-star rating on the Google Play Store and over 500 million downloads.
Key features of PhonePe:
- Manage multiple bank accounts
- Save beneficiaries across multiple bank accounts
- Make online payments
- Buy or renew insurance policies
- Recharge mobile, DTH
- Pay bills
Google Play Store: Released on October 14, 2016, Rating: 4.3 stars, 500,000,000+ downloads
3. Paytm
Paytm is a versatile app that handles payments, insurance, investments, and shopping.
Key features of Paytm:
- Send money using mobile numbers
- Scan QR codes to make payments
- Recharge mobile and pay utility bills
- Latest prepaid recharge plans
- Instant pre-approved personal loans
- Book train, bus, and flight tickets
Google Play Store: Released on April 30, 2012, Rating: 4.6 stars, 500,000,000+ downloads
4. BHIM
BHIM (Bharat Interface for Money) is a government-backed UPI app for sending payments, shopping, and more.
Key features of BHIM:
- Direct bank payments to anyone on UPI
- Request money from a UPI ID
- Compatible with Android 6.0 and above
Google Play Store: Released on December 29, 2016, Rating: 4.2 stars, 50,000,000+ downloads
5. BharatPe
BharatPe offers a secure platform for UPI transactions with advanced encryption.
Key features of BharatPe:
- Accept payments from all major UPI apps
- Multiple payment modes like bank account, RuPay credit card, wallet
- Business loans made easy
Google Play Store: Released on December 19, 2017, Rating: 4.0 stars, 10,000,000+ downloads
6. Amazon Pay
Amazon Pay offers rewards, coupons, and discounts on Amazon and other shopping sites.
Key features of Amazon Pay:
- Send money to friends and family
- Earn rewards
- Safe and secure
- Online shopping, recharges, bill payments
Google Play Store: Rating: 4.5 stars, 100,000,000+ downloads
7. Airtel Thanks App
Airtel Thanks App is a comprehensive app for SIM, OTT, and financial services.
Key features of Airtel Thanks:
- OTT subscriptions like Netflix, Amazon Prime, Disney+ Hotstar
- FASTag recharge
- Mobile and broadband bills
- Airtel UPI for instant money transfers
- Digital personal loans
Google Play Store: Released on July 7, 2016, Rating: 4.2 stars, 100,000,000+ downloads
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8. Freecharge
Freecharge combines multiple banking services on one platform.
Key features of Freecharge:
- Earn cash back on transactions
- Best prepaid recharge plans
- Education fee payments via credit card
- Transfer money to friends or family
- Buy or sell digital gold
Google Play Store: Released on April 22, 2013, Rating: 4.3 stars, 50,000,000+ downloads
9. PayZapp
PayZapp by HDFC Bank is a user-friendly UPI app for credit card payments, utility bills, and fund transfers.
Key features of PayZapp:
- Send money to contacts
- Recharge and bill payments
- Link cards and swipe to pay
- Wallet-to-account transfer
- PayZapp cashpoints and rewards
Google Play Store: Rating: 4.4 stars, 5,000,000+ downloads
10. MobiKwik
MobiKwik offers various services like sending money, viewing bank statements, and more.
Key features of MobiKwik:
- Accept payments from anyone
- Simplify your business
- Track payments and payouts
- Kwik Loans
Google Play Store: Released on August 25, 2012, Rating: 4.5 stars, 50,000,000+ downloads
