# Freecharge UPI & Bill Payments — UPI, Recharge & Bill Payments > All-in-one Indian financial app for UPI, bills, recharges, loans, and investments. (iPhone/iPad app by Freecharge Business And Technology Services Limited.) - Source: https://appshunter.io/ios/app/freecharge-upi-and-bill-payments/id877495926 (this page in markdown: same URL + `.md`) - Developer: [Freecharge Business And Technology Services Limited](https://appshunter.io/developer/1884535211) - Category: Finance, Business - Price: Free - Rating: 4.59/5 from 247,236 App Store ratings · 136 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 93 MB - Languages: American English - Released: 2014-05-20 - Data updated: 2026-08-29 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/freecharge-upi-and-bill-payments/id877495926/reviews.md ## What is Freecharge UPI & Bill Payments? Being a well-known name in the world of payment apps, having over 100 million users across the country, Freecharge has transformed to become one of the leading financial services and investment apps in India. From recharge & bill payments to investment & lending, Freecharge lets you do it all effortlessly. Key App Features Create your ‘@freecharge’ BHIM UPI ID and send money to friends/family or scan any QR to pay quickly & securely at any store. Earn cash back on your transactions. Avail Personal Loan and Credit card Invest in Digital Gold Pay electricity bills online, Do recharges, Make insurance payments, Buy amazing deals from top brands, and many more Get Personal loan Freecharge offers Personal Loan of up to 5 Lakhs within 2 minutes. It’s 100% digital process and requires zero documentation. We offer affordable EMI options with flexibility to repay within 6 months to 36 months. It’s an unsecured loan which is disbursed instantly to your Bank account. 1. Low Interest Rates starting from 14% per annum 2. Instant approval & quick disbursal 3. Flexible EMI options 4. 100% Collateral free 5. No hidden charges Easy Credit App • Apply for Axis Bank Freecharge Plus Credit Card and enjoy unlimited cashback UPI App • Transfer money to your friends/family easily or scan any QR to pay at a local store. • Send/receive money easily in/from your bank account. Recharge & Payments App • Find best-prepaid recharge plans & mobile recharge offers on JIO Recharge, Airtel Recharge, VI Recharge, and BSNL Recharge. • Use the Freecharge app for FASTag recharge and travel worry-free. • Avail exciting offers/rewards on Tata Play recharge, Airtel DTH recharge, Videocon D2H recharge, Dish TV recharge, and Sun direct recharge. •Avail amazing cashback offers on electricity bill payment, water bill payment, gas bill payment, postpaid bill payment, and broadband bill payment. • Book LPG cylinder in minutes and enjoy exclusive offers/discounts. • Save your salary and pay rent with a credit card. • Buy/sell Digital Gold online at real-time market value. It’s 24K, 99.9% pure. What Makes Freecharge Unique? • Claim offers/deals available in the app and save every time you spend. • All our financial services are secure and backed with the trust of Axis Bank, so you can transact and invest worry-free on the Freecharge app. Contact us at care@freechargebiz.com. ## Key features - BHIM UPI ID creation - QR code payments - Personal loans up to 5 Lakhs - Digital Gold investment - Mobile and DTH recharges - Bill payments (electricity, gas, water) - Cashback offers and deals ## What do users think of Freecharge UPI & Bill Payments? Overall sentiment: neutral **Pros** - 🚀 Quick and easy payments - 💰 Good cashback offers - 🤑 Genuine cashbacks - 🌟 Excellent app experience - 👍 User-friendly interface - ⚡ Fast and smooth transactions **Cons** - 🐛 Glitches and bugs - 🤔 Promo codes not working - 🔒 Lack of international card support - 📞 Poor customer support - 💳 Payment gateway issues - 🚫 Inability to use certain features **Commonly reported bugs** - App crashes on iOS 9 - Unable to verify phone number - Promo codes not working on iOS - Blank white screen on opening app - Inconsistent behavior between app and website **Most requested features** - International number-based login for NRIs - Ability to delete old accounts - Option to mute reminders permanently - UPI support for iOS app - Dark mode option ## Recent user reviews (10 of 136) All indexed reviews: https://appshunter.io/ios/app/freecharge-upi-and-bill-payments/id877495926/reviews.md ### 1/5 — Very Poor Support – Issue Pending for Months *2026-02-27* I am extremely disappointed with this app’s customer support. My issue has been pending for the last 3–4 months, and despite multiple follow-ups, there has been no proper resolution. Every time I contact support, I either receive generic responses or no response at all. It feels like my concern is not being taken seriously. As a user, this is extremely frustrating because I trusted this platform with my transactions. A service-based app should prioritize timely support, but unfortunately, that is completely missing here. I expected better professionalism and accountability. I strongly request the team to improve their support system and actually resolve user issues instead of just delaying them. Until then, I cannot recommend this app to others. **Developer response:** Hi Roheet, we regret the inconvenience caused. Kindly elaborate on the issue along with the error screenshot so that we can look into the matter and resolve it for you. Please write to us at abhishek@freechargebiz.com. ### 1/5 — Worst application for money transfer *2025-02-10* Recently I added 5000 from my credit card to Freecharge wallet. They charged a fee of 100. While adding the money, there was no warning or indication that users with axis bank will only be able to transfer money to bank account. Upon adding the money, now I’m unable to transfer the money to account. When contacted customer support, they insist to use the wallet money for utility services. If I wanted to use utility service I would have directly paid from my credit card without any fees. Why will I even pay convenience fee for Freecharge to pay my utility bills. They clearly say that the amount will not be refunded to source or bank account. Now my money got stuck in their wallet **Developer response:** We are really sorry to hear this and we apologize for the inconvenience caused. kindly drop us an email at abhishek@freecharge.com and we will review your concern and assist you accordingly. ### 1/5 — Useless app and useless service *2024-03-08* I have recharge using this app and its fail money deducted but not done recharge so i raise a complaint and they told me after a month with lots of follow that recharge done from our side and also recharge not shown in app and not show in my transaction i told them your app not showing and how you can say recharge done from your side they give me operator id and transaction id and told me contact service provider I contacted service provider too and they told me we didn’t get received any recharge from freecharge contact them and when i try to contact them from app it gives me error every time something went wrong and they marked my ticket as resolved in their app when i again try raise a tickets unable to place new query ticket since struggling with 2 months for same So request don’t get use this app it’s worst application and service ever **Developer response:** Dear Satyajit, We are sorry for the inconvenience caused. Kindly share your concern at abhishek@freecharge.com for further assistance. Thanks. ### 1/5 — Worst app , Avoid this App at All Costs! *2023-09-29* I wish there was an option to give this app zero stars because that's exactly what it deserves. I can't emphasize enough how terrible my experience has been with this app. It's a complete waste of time and space on your device. I feel compelled to share my terrible experience to warn others. Refund Limbo: It's been over two months, and I'm still waiting for a refund for a failed transaction. The fact that I've had to chase this refund for so long is absurd. This app boasts about its services, but when it comes to delivering on promises, it falls miserably short. Abysmal Customer Service: The customer service provided by this app is beyond terrible. They're slow to respond, if they even bother to respond at all. When they do, it's with vague, unhelpful replies that do nothing to address the issue. It's clear that they couldn't care less about their customers' problems. Passing the Buck: Here's the real kicker - for a failed transaction, you're told to contact the operator. And when it comes to getting your hard-earned money back, you're told to contact your bank. The app absolves itself of any responsibility, leaving you to navigate a frustrating maze of operators and banks, neither of which seem particularly interested in helping you. Zero Accountability: This app doesn't take any responsibility for the problems it causes. It's like they're operating in a parallel universe where customer satisfaction and integrity don't matter. They're quick to take your money but slow to provide any real service. In conclusion, this app is a complete and utter disappointment. If you value your time, money, and sanity, stay far away from it. There are countless other options out there that actually deliver on their promises and provide decent customer support. This app is a shining example of how NOT to run a business. Save yourself the headache and avoid it at all costs. **Developer response:** Hi Vicky, This certainly sounds like a frustrating experience. We want to take a closer look into this for you. Let us know more about it by dropping the details at abhishek@freecharge.com with the registered email ID and contact number, we'll connect immediately. In case, you have a ticket ID please revert over the same. Ensuring, you will not be unhappy! ### 1/5 — Chance to have a comeback into the market! *2023-06-21, version 8.8* Enable International number based login for NRIs. The announcement has been made 6 months back and there is no provider in the market that has enabled this facility for any user yet. It would be great if there is a convenience for NRIs to login with their international numbers which are already mapped in their bank accounts for UPI transactions. ### 1/5 — No transaction history and money also deducted from wallet!! *2023-05-03* I have added 15k to my wallet , money was added successfully afterwards I try withdraw it to my bank account , amount deducted from wallet and never credited to bank account and moreover there is no history for this transaction. Then i tried to talk with customer care and write email for same but customer care agent “Ms Sania” was rude and tell me write email instead of calling. Isn’t this your job to help customers. Pathetic response worst app which doesn’t keep track of transactions also. I will write the to RBI that you guys are eating customers money and doesn’t even keep records for the transactions. **Developer response:** Hi, we regret the inconvenience caused. Kindly elaborate on the issue so that we can look into the matter and resolve it for you. Please write to us at abhishek@freecharge.com. ### 1/5 — Fraud app with severe security flaws *2023-04-29* I had been using this Freecharge app for long because of giving cashbacks and offers. I had mostly used for bill payments and recharges. Last week, I had a plan to buy some items from Flipkart. When I gone through the Offers section in the Freecharge app, I have noticed an offer in which when I open the Flipkart website through Freecharge app and search for products, I might get discount on the item price. So, I logged into Flipkart account using my mobile number through Freecharge app. Realised none of the products have offers, I didn't bought anything On the next day, I have got lot of OTPs from my bank regarding the purchase of items from Flipkart worth ₹4900. Thank god, I have noticed that and logged into my Flipkart account. Found that someone is trying to buy Google Play recharge coupon multiple times using my credit card which is already saved in the Flipkart account. Realised that this is a fraudulent act or severe security issue from Freecharge side in which the customer login information is exposed to hackers or the app developers itself. I can say that for sure because I am a software developer. So, decided to delete Freecharge account forever and raised request for that. I will not recommend this fraud app to anyone in future. Also, I have recently noticed that most of the transactions are failing by giving incorrect failure information. For example, even though my bank account have sufficient balance, the app shows insufficient balance while trying to make payments. **Developer response:** We regret the inconvenience you had to face. For better assistance please share your information with abhishek@freecharge.com. We will be happy to assist you. ### 1/5 — Useless app *2023-02-09, version 8.0* Always glitchy and can’t fetch bill details. The promo codes don’t work half of the time. ### 1/5 — Not recommending to anyone *2023-01-28* I have downloaded this application by seeing the cash back and other offers available. I tried to configure this app using my email ID, it replied me that some unknown person registered this app using my email ID and his or her mobile number. Then I have contacted on freecharge support email to revoke my email usage from their account but the reply was not favourable and it is not done still. Then again by seeing the offers I have created another email ID and registered my account did some transactions and purchases, but I haven’t received any cash back as stated in their application or in 1mg (shopping application). Again I contacted freecharge support email with all transactions details but still no feedback from them. The cash back supposed to receive in 72hours but it’s been more than one week. It’s very disappointing and I’m not recommending this application to anyone .. **Developer response:** We regret the inconvenience you had to face. For better assistance please share your information with abhishek@freecharge.com. We will be happy to assist you. ### 1/5 — Not able to apply promo in the IPhone app *2022-06-07* I am not able to add promo in my app. Instead it auto-applies some other promo, which is not beneficial for me. This is not the case in the website. Please look into the matter. ## Frequently asked questions about Freecharge UPI & Bill Payments ### What is Freecharge UPI & Bill Payments? Freecharge UPI & Bill Payments is a comprehensive financial services app in India. It allows users to send money via UPI, pay bills, recharge mobile plans, and access financial products like personal loans and digital gold investments. ### Is Freecharge UPI & Bill Payments free to use? Yes, Freecharge UPI & Bill Payments is free to download and use. However, the app does contain advertisements. ### What are the main features of Freecharge UPI & Bill Payments? Key features include creating a '@freecharge' BHIM UPI ID, sending money, scanning QR codes for payments, recharging mobile and DTH services, paying various bills, applying for personal loans up to 5 Lakhs, and investing in digital gold. ### How secure is Freecharge UPI & Bill Payments? All financial services are secure and backed by the trust of Axis Bank, ensuring that users can transact and invest worry-free on the app. ### Does Freecharge UPI & Bill Payments offer loans? Yes, Freecharge offers personal loans up to 5 Lakhs through a 100% digital process with zero documentation. Loans are disbursed instantly with flexible EMI options. ### What kind of bill payments can I make with Freecharge UPI & Bill Payments? You can pay electricity bills, water bills, gas bills, postpaid bills, and broadband bills. You can also book LPG cylinders and make FASTag recharges. ### What are the user reviews like for Freecharge UPI & Bill Payments? The app has a rating of 4.6 stars from over 247,000 ratings. Users praise its quick payments, good cashback offers, and user-friendly interface, though some report glitches and issues with promo codes. ### What devices is Freecharge UPI & Bill Payments available on? Freecharge UPI & Bill Payments is available on iPhone, iPad, and iPod devices. ## Version history (last 5 releases) ### 14.8.0 — 2026-08-17 Key Highlights of Our Latest Update: • UPI Lite for Faster Payments: Introducing seamless, PIN-free UPI transactions for a quicker and smoother payment experience. • Credit Line on UPI: Link your credit line and make merchant payments with ease, anytime, anywhere. • UPI Pin Setting Via Aadhaar OTP: Alternate method to set your UPI PIN using Aadhaar OTP verification. • Enhanced Credit Card Bill Payments: Enjoy a streamlined and optimized journey for managing your credit card payments with ease. • General Improvements: We’ve squashed bugs, improved performance, and fine-tuned the UI for a smoother and more intuitive experience. ### 14.7.0 — 2026-07-30 Key Highlights of Our Latest Update: • UPI Lite for Faster Payments: Introducing seamless, PIN-free UPI transactions for a quicker and smoother payment experience. • Credit Line on UPI: Link your credit line and make merchant payments with ease, anytime, anywhere. • UPI Pin Setting Via Aadhaar OTP: Alternate method to set your UPI PIN using Aadhaar OTP verification. • Enhanced Credit Card Bill Payments: Enjoy a streamlined and optimized journey for managing your credit card payments with ease. • General Improvements: We’ve squashed bugs, improved performance, and fine-tuned the UI for a smoother and more intuitive experience. ### 14.6.0 — 2026-07-01 Key Highlights of Our Latest Update: • UPI Lite for Faster Payments: Introducing seamless, PIN-free UPI transactions for a quicker and smoother payment experience. • Credit Line on UPI: Link your credit line and make merchant payments with ease, anytime, anywhere. • UPI Pin Setting Via Aadhaar OTP: Alternate method to set your UPI PIN using Aadhaar OTP verification. • Enhanced Credit Card Bill Payments: Enjoy a streamlined and optimized journey for managing your credit card payments with ease. • General Improvements: We’ve squashed bugs, improved performance, and fine-tuned the UI for a smoother and more intuitive experience. ### 14.5 — 2026-06-04 Key Highlights of Our Latest Update: • UPI Lite for Faster Payments: Introducing seamless, PIN-free UPI transactions for a quicker and smoother payment experience. • Credit Line on UPI: Link your credit line and make merchant payments with ease, anytime, anywhere. • UPI Pin Setting Via Aadhaar OTP: Alternate method to set your UPI PIN using Aadhaar OTP verification. • Enhanced Credit Card Bill Payments: Enjoy a streamlined and optimized journey for managing your credit card payments with ease. • General Improvements: We’ve squashed bugs, improved performance, and fine-tuned the UI for a smoother and more intuitive experience. ### 14.4 — 2026-04-07 Key Highlights of Our Latest Update: • UPI Lite for Faster Payments: Introducing seamless, PIN-free UPI transactions for a quicker and smoother payment experience. • Credit Line on UPI: Link your credit line and make merchant payments with ease, anytime, anywhere. • UPI Pin Setting Via Aadhaar OTP: Alternate method to set your UPI PIN using Aadhaar OTP verification. • Enhanced Credit Card Bill Payments: Enjoy a streamlined and optimized journey for managing your credit card payments with ease. • General Improvements: We’ve squashed bugs, improved performance, and fine-tuned the UI for a smoother and more intuitive experience. ## Apps similar to Freecharge UPI & Bill Payments | App | Rating | Price | Category | | --- | --- | --- | --- | | [Apple Wallet](https://appshunter.io/ios/app/apple-wallet/id1160481993) | 4.8 (6,665,079) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance | | [Paytm: Secure UPI Payments](https://appshunter.io/ios/app/paytm-secure-upi-payments/id473941634) | 4.7 (39,205) | Free | Finance | | [PhonePe UPI, Payment, Recharge](https://appshunter.io/ios/app/phonepe-upi-payment-recharge/id1170055821) | 4.7 (169,290) | Free | Finance | | [Cash App](https://appshunter.io/ios/app/cash-app/id711923939) | 4.8 (8,634,711) | Free | Finance | | [slice: UPI credit card & bank](https://appshunter.io/ios/app/slice-upi-credit-card-and-bank/id1123372237) | 4.2 (239) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*