Best Apps For Utility Bill Payments

229+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated July 2026

Every iPhone needs a few good apps for utility bill payments. We benchmark 229+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Apps For Utility Bill Payments (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (32K)YesNoSep 2026
2Papaya: Securely Pay Any BillPapaya: Securely Pay Any BillFree4.8★ (118K)NoNoSep 2026
3City Utilities – My AccountCity Utilities – My AccountFree4.6★ (4.9K)NoNoSep 2026
4SmartHubSmartHubFree2.7★ (1.9K)NoNoSep 2026
5Utility Billing Services AppUtility Billing Services AppFree1.5★ (35)NoNoJul 2026
6ComEd - An Exelon CompanyComEd - An Exelon CompanyFree4.7★ (130K)NoNoSep 2026
7My Utility Account - MobileMy Utility Account - MobileFree4.5★ (4.8K)NoNoSep 2026
8PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoSep 2026

Top Picks for Apps For Utility Bill Payments

Deferit: Pay bills in 4#1

Deferit: Pay bills in 4 by deferit Pty Ltd

Buy now pay later for bills
Editor's Choice
💰 Finance
4.8😊(32K ratings)
FreeAds
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Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

What We Love

  • 💳 Helpful for paying bills in installments
  • ⏱️ Fast bill payment processing
  • 📆 Ability to change payment due dates
  • 🤝 Friendly and responsive customer service
  • 🧭 Convenient all-in-one bill management
  • 🆙 Increasing credit limits over time

Room to Improve

  • 🕰️ Delayed bill payments due to high volume
  • 🤖 Lack of phone/live chat support
  • 💰 Subscription fees and processing fees
  • 🚫 Issues with canceling or stopping payments
  • 🤔 Unclear payment methods (online vs. check)
Papaya: Securely Pay Any Bill#2

Papaya: Securely Pay Any Bill by SnapPays Mobile, Inc

Fast & Secure Bill Payments
Strong Contender
💰 Finance
4.8😞(118K ratings)
Free
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This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

What We Love

  • 🚀 Easy and fast bill payment
  • 👍 Convenient for smartphones
  • 💡 Helpful for forgetful users
  • 🚀 Quick and efficient

Room to Improve

  • 🐛 Payments not processed correctly
  • 🔒 Privacy and security concerns
  • 🔍 Lack of customer support
  • ⏱️ Slow payment processing times
  • 🤖 Frustrating automated responses
City Utilities – My Account#3

City Utilities – My Account by Smart Energy Systems LLC

Smarter Utility Management
Worth Considering
🔧 Utilities
4.6😐(4.9K ratings)
Free
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Manage your electric, natural gas, water, and transit services from one app. Pay bills, track usage, report outages, and receive notifications. It's a convenient and secure way to handle all your utility needs on the go.

What We Love

  • 👍 Convenient app
  • 🚀 Easy to use
  • 💡 Useful features like usage graphs
  • 🚀 Seamless payment options

Room to Improve

  • 🐛 App crashes and freezes
  • 🐛 Issues with payment methods and account setup
  • 🐛 Inconsistent password requirements
  • 🐛 Lack of notifications and reminders

More Apps For Utility Bill Payments apps to explore

FAQ about Apps For Utility Bill Payments

What are the best apps for utility bill payments for iPhone?
Deferit: Pay bills in 4 tops our apps for utility bill payments ranking as of July 2026, with a 4.8-star average from 32K App Store ratings, and it's free to download.
Yes — 20 of the top apps for utility bill payments we rank are free to download, including Deferit: Pay bills in 4 and Papaya: Securely Pay Any Bill.
Deferit: Pay bills in 4 shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 229+ apps for utility bill payments on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Deferit allows you to pay almost any service bill on your terms by splitting the payment into four smaller installments. It also helps users save money by negotiating better deals with service providers and builds credit history by reporting on-time payments to major credit bureaus.
The app features an expert team that negotiates with your service providers on your behalf to find you better deals, potentially lowering your monthly bills for services like internet, phone, and TV.