Best Bharat Pay Apps

246+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated October 2026

The best bharat pay apps on iPhone average 4.5★ across 246+ titles — we've ranked them by what real users actually keep on their phones. Updated October 2026.

Compare top Bharat Pay Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoNov 2026
2PhonePe: UPI, Gold, InsurancePhonePe: UPI, Gold, InsuranceFree4.7★ (177K)NoNoNov 2026
3Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (41K)YesNoNov 2026
4PayZapp UPI, Pixel Credit CardPayZapp UPI, Pixel Credit CardFree4.8★ (1.5K)NoNoOct 2026
5SalTea SlothSalTea SlothFree5.0★ (45)NoNoOct 2026
6slice: UPI credit card & bankslice: UPI credit card & bankFree4.3★ (308)NoNoNov 2026
7Flipkart - Online Shopping AppFlipkart - Online Shopping AppFree4.6★ (111K)NoNoNov 2026
8Airtel App: Recharge & BankAirtel App: Recharge & BankFree4.2★ (16K)YesNoNov 2026

Top Picks for Bharat Pay

PhonePe: UPI, Gold, Insurance#2

PhonePe: UPI, Gold, Insurance by PHONEPE PRIVATE LIMITED

Pay Bills, Mutual Fund SIP
Strong Contender
💰 Finance
4.7😐(177K ratings)
Free
PhonePe: UPI, Gold, Insurance screenshot 1
PhonePe: UPI, Gold, Insurance screenshot 2
PhonePe: UPI, Gold, Insurance screenshot 3
PhonePe: UPI, Gold, Insurance screenshot 4
PhonePe: UPI, Gold, Insurance screenshot 5
PhonePe: UPI, Gold, Insurance screenshot 6

This app facilitates secure digital payments, including UPI transfers, mobile and utility bill recharges, and online/offline purchases. It also offers investment options in mutual funds and insurance policies.

What We Love

  • 🚀 Instant payments
  • 👍 User-friendly interface
  • 🔒 Secure transactions
  • 💡 Diverse payment options
  • 🚀 Fast and convenient

Room to Improve

  • 🐛 Transactions failing or pending
  • 🔍 Lack of customer support
  • 🔍 Difficult to resolve issues
  • 🔍 Unreliable service
  • 🔍 Inconsistent performance
Paytm: Secure UPI Payments#3

Paytm: Secure UPI Payments by Paytm Mobile Solutions

UPI, Recharge & Pay Bills
Worth Considering
💰 Finance
4.7😞(41K ratings)
FreeAds
Paytm: Secure UPI Payments screenshot 1
Paytm: Secure UPI Payments screenshot 2
Paytm: Secure UPI Payments screenshot 3
Paytm: Secure UPI Payments screenshot 4
Paytm: Secure UPI Payments screenshot 5
Paytm: Secure UPI Payments screenshot 6

This app facilitates secure digital payments and money transfers across India and internationally. It offers features like personalized UPI IDs, transaction privacy controls, and convenient bill payments and recharges. Users can also manage bank balances and track spending with detailed analytics.

What We Love

  • 🚀 Fast payments
  • 📱 Good all-in-one app
  • 💳 Convenient payments

Room to Improve

  • 🔒 Security issues
  • 🤖 Poor customer service
  • 🛑 Doesn't work internationally
  • 🐛 Buggy app and transactions
  • 📱 Horrible user experience
  • 🔑 KYC issues

More Bharat Pay apps to explore

FAQ about Bharat Pay

What are the best bharat pay apps for iPhone?
BHIM Bharat's Own Payments App tops our bharat pay apps ranking as of October 2026, with a 4.4-star average from 1.4K App Store ratings, and it's free to download.
Yes — 20 of the top bharat pay apps we rank are free to download, including BHIM Bharat's Own Payments App and PhonePe: UPI, Gold, Insurance.
BHIM Bharat's Own Payments App has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 246+ bharat pay apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.

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