Image of Best UPI Apps in India

5 Best UPI Apps in India in 2020 (For Android Users)

With the return of PM Modi 2.0, digital India has continued to make new progress. And UPI payments have played a big role in this movement. In this article, we will discuss the best UPI Apps in India for easy and fast transactions. But, before we start, let’s first understand what exactly is a UPI?

UPI means Unified Payments Interface. UPI payments have taken a substantial march ahead and nowadays, the mobile app store is flooded with new and innovative UPI apps in India. Briefing about UPI, it is an instant real-time payment system developed by NPCI which stands for National Payments Corporation of India which helps in inter-bank transactions by instantly transferring funds between two bank accounts on a mobile or web platform. As of 2019, a total of 142 banks are active on UPI with a monthly volume of over 799.5 million transactions. And, this has resulted in a total transaction value of ₹1.33 trillion as of March 2019 which in increasing day after day.

Because of this advancement in UPI payments, money can now be sent to anyone across the nation within no time.

Anyways, not all apps listed on the play store are equally good for making UPI payments. Many times, the interface of some of these UPI apps in India may be hard to understand initially. Therefore, in this post, we have handpicked the best UPI apps in India that are easiest to use and definitely worth checking out.

Best 5 UPI apps in India:

1. PhonePe – UPI Payments, Recharges & Money Transfer

UPI Apps in India- PhonePe

PhonePe stands first in our list of best UPI apps in India. It is a revolutionary app which made the Indian population start trusting and moreover making online mobile payments. PhonePe not only helps in making UPI payments but users can also recharge, make online bill payments, order food, shop, etc. all in just one app.

PhonePe also provides various offers, rewards, and cash back to its customers. Having one of the simplest interfaces with the safest and fastest online payment experience in India, PhonePe is definitely better than most of the other UPI payment apps or internet banking services.

Google Play Store Rating: 4.5/5 with a total of 33,89,149 reviews

Here’s a direct invite link to download PhonePe.

2. Google Pay (Tez) – A simple and secure payment app

UPI Apps in India- Google pay

Google Pay, formerly known as Tez App, stands second in our list of best UPI apps in India. This app has accumulated a huge customer base in a very small time. And obviously, having a big brand name of ‘Google’ has helped this app to build trust among the new and existing customers.

Using Google Pay, users can send money to friends, pay their bills, shop online, recharge, or pay at the nearby café, etc. through the secure payment by Google.

Another most enjoyable part of using Google Pay is the “Scratch cards”. Whenever the users make a new transaction, they are awarded a gift card in the form of the scratch card. After scratching the card, users can earn a gift in the form of money which directly gets credited into the registered bank account. Anyways, you won’t earn a Scratch card on every transaction as there are a minimum value and number of transactions predefined by the app. However, if you’re lucky, you may get a reward of up to Rs 1 lakh.

Google Play Store Rating: 4.4/5 with a total of 27,76,391 reviews

Here’s a direct invite link to download PhonePe.

3. Paytm – BHIM UPI, Money Transfer & Mobile Recharge

UPI Apps in India - Paytm

Paytm is a quite well-known mobile payments app in India. Along with Paytm Mall, it also offers Paytm Wallet and Paytm UPI (was introduced in the year 2017). In simple words, we can call it a mega store due to the variety of products and services provided by this app.

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Paytm users can perform almost each and every activity related to online payments on its app. And that’s why it is certainly the most used payments app and is third in our list of best UPI apps in India.

From making online Payments to buying household items, groceries, IRCTC train ticket booking, bus & flight booking, movie tickets, LIC premium payment, metro card recharge, buying gold, making loan payments, paying e-challans & more, everything can be done on this app.

Google Play Store Rating: 4.5/5 with a total of 61,27,939 reviews

Also Read : 7 Best Mutual Fund Apps for Direct Investment

4. Freecharge – Recharges & Bills, UPI, Mutual Funds

freecharge UPI App

Freecharge is another online payment mobile app in India which provides features like Mobile Recharges, bill payments, sending or receiving money through UPI– after creating BHIM UPI ID & linking the bank account. Moreover, because of its simple interface, everything seems quite easy for making UPI payments.

Besides, Freecharge app also provides the facility to invest in Mutual Funds, making investments with SIPs, booking movies tickets, buying food, shopping, purchasing travel tickets, etc and that too with an additional cashback and discounts.

Google Play Store Rating: 4.1/5 with a total of 11,21,313 reviews

Also Read: 7 Best Stock Market Apps that Makes Stock Research 10x Easier

5. PayZapp – Recharge, Pay Bills & Shop

PayZapp UPI App

HDFC Bank PayZapp is the fifth app in our list of best UPI payment apps in India. It is a complete payment solution giving you the power to pay in just One Click.

PayZapp is used to make online Recharge, Bill Payments, BharatQR Payments, booking travel tickets, Shopping, obtaining movie tickets, buy groceries and more. It supports payment by mVisa QR, MasterPass QR, and Rupay QR and is available to customers of all banks. Overall, PayZapp is convenient, fast and secure UPI payments apps in India and definitely worth checking out.

Google Play Store Rating: 4.0/5 – with a total of 2,82,240 reviews

5 best upi apps in India

Bonus: A few additional UPI apps in India

  • MobiKwik – Recharge, Bill Payment, Instant Loan, UPI, Insurance

    Google Play Store Rating: 4.4
    With a total of 12,03,032 reviews

  • BHIM SBI Pay: UPI, Recharges, Bill Payments, Food

    Google Play Store Rating: 4.4
    With a total of 2,63,337 reviews

  • Kotak – 811 & Mobile Banking

    Google Play Store Rating: 4.4
    With a total of 4,58,209 reviews

  • Pockets ICICI -UPI, Wallet, Bharat QR

    Google Play Store Rating: 4.1
    With a total of 1,47,135 reviews

  • JioMoney Wallet

    Google Play Store Rating: 4.3
    With a total of 1,86,001 reviews

That’s all for this post. Let us know which one is your favorite UPI payment app in India in the comment section below. Cheers!

  • Hello,
    Awesome article!! I really enjoy your article.
    All UPI apps mentioned by you in this post are marvelous.
    This article helped me a lot. Keep writing and keep sharing.
    Thanks for this knowledgeable article.

    • RASHEED PS says:

      Very useful with completely described. Rating, reviews are additional information that are helping readers to choose right one.

  • All five apps are the best UPI apps. I am using Phonepay and Google pay and these are the best apps for money transactions. It’s nice though to share an article about these useful apps. It would be very helpful for all. Keep sharing.

  • KHURSHID says:

    Thanks for the information.

  • Hi there, Thanks for sharing such an awesome android apps.

  • I use all the five UPI apps listed by you and all are superb in their own way. Great article Dharmendra. Brief and crisp.

  • Ashokan J Shenoy says:

    Hai I am using Bhim app. your article is very good and informative. on 10 th october 2020 I transferred money through Bhim to another account. But it is not succeeded. The amount is debited from my alc. The transaction shows pending. How can I complaint to this.

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