10 Best UPI Payment Apps in India 2024

Unified Payments Interface or UPI is the best and instant payment system that facilitates the inter-bank dealings in India. At present, it is the highly preferred techniques for the digital money transactions nationwide. After our shift towards the digital payment ways, there are many banks that have merged with the UPI to provide their customers the most convenient banking experience with one click of button. Surprisingly, UPI is provided by various chat platforms, and mobile wallets that are active in India. Many UPI Apps for iOS and Android are launched that will cater the digital funds transfer.

List of Best UPI Payment Apps in India

Best UPI Payment Apps in India

1. PhonePe

PhonePe is the leading UPI application in India. THe app uses best UPI Payment system that helps to send money or make payments for different services. This gives you facility of wallet too. You will be able to keep your money in PhonePe Wallet for the faster transactions. PhonePe is the subsidiary of Flipkart. Recently Walmart became an owner of Flipkart and Flipkart was the first sites to support the PhonePe transactions.

2. Google Pay

Next comes Google Pay and it is the digital wallet platform & online payment system online developed by Google that power tap-to-pay and in-app purchases on the mobile devices, allowing their users to make their payments with the Android phones, watches and tablets. On 18 September, 2017, Google launched the UPI-based application Tez in India. And in 28 August, 2018, Google changed the name to Google Pay. Google Pay is an easiest way of sending money, paying for your groceries and recharging the mobile. One will send and receive money with no fees, directly from the bank account to anyone.

3. Airtel Payments Bank

Airtel app has integrated actively with UPI system to offer the trouble-free digital movement of the funds. With help of the app, users can create VPAs, and link the respective bank accounts. Moreover, prime benefit of the Airtel Bank is you may access the payments both offline and online. The users can just use the Airtel Thanks mobile app & navigate to Airtel Payments Bank for performing UPI transactions. It’s like one-stop site where you may claim the rewards, do your recharges, make the payments as well as manage your Airtel connections anywhere and anytime,

4. MobiKwik

MobiKwik is not an app that is flooded with best features like Paytm; however, it has got its own set of amazing features. You will be able to make the fund transfers, pay bills, recharge mobile, as well as invest too. MobiKwik perhaps has got the best UI while it comes about UPI apps. Its dashboard shows just those features that you will use the most –Pay to Merchant and Transfer Money. It shows your account balance upfront and adding money to your Wallet is just one step procedure.


It is an official government-supported UPI app. Bharat Interface for Money or BHIM facilitates users on the UPI enabled initiatives. The app supports over 20 local languages spoken in India. This app is mainly used to send & receive money, check balance, pay utility bills, as well as set the payment reminders. Besides the basic amenities, app provides Home screen personalization, validation before making any payment, bill splitting feature, and more. One major pro of BHIM UPI is the intuitive UI & ability of recognizing the transaction status fast.

6. iMobile

You may access UPI interface through iMobile & Pockets app made accessible by the ICICI Bank. Customers may download the app straight from the Google Play store. To send money by using iMobile, you just need to access ‘Funds Transfer’ preference & choose UPI method. One must use iMobile application since it is the most comprehensive and safe mobile banking app. Besides UPI transactions, you may enjoy all banking services from comfort of your own home.

7. Paytm UPI

Paytm is eCommerce giant in India with amazing services from online recharges to e-ticketing, and from Insurance premiums to FastTag. It is in-house Paytm Mall provides eCommerce experience to users. The Paytm Banks is one entity of a Paytm group. Paytm is known as frontrunner for the digital payments. User will make use of different payment techniques like Credit Cards, UPI, Net banking and Debit Card to top up the Paytm Wallet.  Now, user can top FastTag, recharge the mobile phones, book movie tickets, pay bills, as well as shop online by using Paytm services. It’s accepted over small retail stores in the country.

8. PayZapp by HDFC Bank

The best UPI payments application and digital wallet offered by HDFC Bank. The mobile Payment application is highly famous in India because of many cashback provides across various merchant sites. You also can get the Visa Virtual card for the online payments.

9. Freecharge UPI

Freecharge is the best payment mobile app online in India that offers features such as Mobile Recharges, sending and receiving money via UPI, bill payments– after creating the BHIM UPI ID and linking its bank account. Furthermore, due to the simple interface, the whole thing appears very simple to make the UPI payments. Besides, Freecharge application offers facility of investing in the Mutual Funds, making the investments with SIPs, buying food, booking movies tickets, buying travel tickets, shopping, and more and that also with the additional cashback or discounts.

10. Kotak 811

Kotak 811 app isn’t the regular UPI payment application but is the banking app. Besides that, one may keep the account balance zero & there is no fast rule one has to have the specific and minimum balance in the bank account.

Final Words

UPI payment apps are getting more and more popular, and most of the people also prefer this payment mode because of the trouble-free transaction & minimal transfer fees. There’re many UPI payment apps present in today’s market and people generally tend to get confused about which apps to select as the different applications give different benefits. But, at an end of a day, all of them serves purpose of the seamless transactions, and contributes to the vision of India’s cashless economy.

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