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Top 10 Best UPI Apps in India for Money Transactions in 2024

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

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