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Best Bill Payment Apps

215+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

Xpress Bill Pay is the household name in bill payment, but it's far from the only option. We track 215+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Bill Payment Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Xpress Bill PayXpress Bill PayFree4.8★ (25K)NoNoJul 2026
2Deferit: Pay bills in 4Deferit: Pay bills in 4Free4.8★ (30K)YesNoJul 2026
3Pay with SublimePay with SublimeFree4.8★ (120)NoNoJul 2026
4Papaya: Securely Pay Any BillPapaya: Securely Pay Any BillFree4.8★ (118K)NoNoJul 2026
5Bills Organizer & ReminderBills Organizer & ReminderFree4.7★ (22K)NoYesJul 2026
6Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoJul 2026
7Pennies: Budget & Bill TrackerPennies: Budget & Bill TrackerFree was $4.994.6★ (1.8K)YesYesJul 2026
8Bills ManagerBills ManagerFree4.8★ (7.9K)YesYesJul 2026

Top Picks for Bill Payment

Xpress Bill Pay#1

Xpress Bill Pay by Xpress Solutions Inc

The trusted way to pay
Editor's Choice
💰 Finance
4.8😐(25K ratings)
Free
Xpress Bill Pay screenshot 1
Xpress Bill Pay screenshot 2
Xpress Bill Pay screenshot 3
Xpress Bill Pay screenshot 4
Xpress Bill Pay screenshot 5
Xpress Bill Pay screenshot 6

This app allows users to pay bills quickly and securely through partnerships with local city and billing organizations. It simplifies the payment process by letting you select your provider, look up your account, and set up auto-pay. Receive real-time alerts and pay using various methods.

What We Love

  • 👍 Easy to use
  • 🚀 Convenient bill payment
  • 💡 Helpful features like paperless statements
  • 👍 User-friendly app

Room to Improve

  • 🐛 Update loop issues
  • 🐛 App not working after updates
  • 🐛 Routing number/payment issues
Deferit: Pay bills in 4#2

Deferit: Pay bills in 4 by deferit Pty Ltd

Save & build credit history
Strong Contender
💰 Finance
4.8😊(30K ratings)
FreeAds
Deferit: Pay bills in 4 screenshot 1
Deferit: Pay bills in 4 screenshot 2
Deferit: Pay bills in 4 screenshot 3
Deferit: Pay bills in 4 screenshot 4
Deferit: Pay bills in 4 screenshot 5
Deferit: Pay bills in 4 screenshot 6

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

Room to Improve

  • 🕰️ Delayed bill payments due to high volume
  • 🤖 Lack of phone/live chat support
  • 💰 Subscription fees and processing fees
Pay with Sublime#3

Pay with Sublime by Sublime Payments Company

Split up and save on bills
Worth Considering
💰 Finance
4.8(120 ratings)
Free
Pay with Sublime screenshot 1
Pay with Sublime screenshot 2
Pay with Sublime screenshot 3
Pay with Sublime screenshot 4
Pay with Sublime screenshot 5

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

More Bill Payment apps to explore

4
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Fast & Secure Bill Payments
Free

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.

Pay any billFast paymentsSecure processing
💰 Finance
(118K)
free
5
Bills Organizer & Reminder
Bills Organizer & Reminder
Bills Organizer & Reminder
Bill Manager and Bill Monitor
Free

Manage all your bills in one place to avoid late fees and penalties. Track upcoming payments with customizable reminders and view your financial overview through charts and calendars. Securely access your data and easily mark bills as paid.

Bill tracking and managementCustomizable payment remindersRecurring and one-time bill setup
💰 Finance
(22K)
free with in-app purchases
6
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
💰 Finance
(2.3M)
free with in-app purchases
7
Pennies: Budget & Bill Tracker
Pennies: Budget & Bill Tracker
Pennies: Budget & Bill Tracker
Expense organizer and manager
Free
$4.99 | 100% OFF

This app helps you track spending and save money by clearly showing how much you have available to spend daily. It offers flexible budgeting options and syncs across your Apple devices.

Know how much to spend dailyHelps you save moneyPersonalized weekly, monthly, and custom budgets
💰 Finance
(1.8K)
free with in-app purchases
8
Bills Manager
Bills Manager
Bills Manager
Never miss a bill again
Free

Easily track your bills and avoid late fees with this intuitive app. It offers a clean interface for managing payments, viewing upcoming due dates, and receiving customizable notifications. All your data is stored locally on your device for privacy.

Monthly bill listCalendar viewPast due and upcoming bills overview
💰 Finance
(7.9K)
free with in-app purchases
9
BILL AP & AR Business Payments
BILL AP & AR Business Payments
BILL AP & AR Business Payments
Pay bills and get paid online
Free

This app streamlines business payments and receivables, automating accounts payable and receivable processes. It offers flexible payment options and real-time tracking, saving time and improving cash flow.

Automate AP and ARMultiple payment options (ACH, wires, virtual card, credit card, check)Real-time payment tracking and notifications
💼 Business
(49K)
free
10
doxo: All-in-One Bill Pay
doxo: All-in-One Bill Pay
doxo: All-in-One Bill Pay
Securely Track and Pay Bills
Free

Manage all your bills from one secure place. Pay over 120,000 billers with free delivery options and receive unlimited reminders to ensure you never miss a due date. Track payments and expenses in real-time.

Organize bills in one accountPay over 120,000 billersFree payment delivery
💰 Finance
(1.1K)
free with in-app purchases
11
Envy: Envelope Budget Planner
Envy: Envelope Budget Planner
Envy: Envelope Budget Planner
Money Cash Expense Tracker
Free

Digitize your cash envelope budgeting system with this simple expense tracker. Organize your spending into unlimited digital envelopes, easily move transactions, and track your budget without linking bank accounts. Export your data and manage your money effectively.

Unlimited digital envelopesQuick deposit refillsMove transactions between envelopes
💰 Finance
(776)
free with in-app purchases
12
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
🛍️ Shopping
(752K)
free with in-app purchases
13
Halan: Lending, BNPL, Payments
Halan: Lending, BNPL, Payments
Halan: Lending, BNPL, Payments
Get a loan, pay bills and more
Free

This app offers a suite of financial services, including Buy Now Pay Later options for various purchases, personal loans, and bill payment solutions. It aims to simplify online shopping and provide funding without traditional banking requirements.

Buy Now Pay Later (BNPL) for various goodsConsumer and small business lendingBill payment and money transfer
💰 Finance
(2.4K)
free with in-app purchases
14
Bill Tracker Pro
Bill Tracker Pro
Bill Tracker Pro
Bill Reminder, Expense Tracker
Free

Manage your bills, income, and spending with this comprehensive finance tracker. Connect your bank accounts for automatic transaction syncing, set bill reminders, and create custom budgets to gain control of your cash flow. Visualize your financial health with insightful charts and reports.

Automatic bank transaction syncingCustomizable budget creationBill payment reminders and notifications
💰 Finance
(4.8K)
subscription
15
Budgeting App - Spend Tracker
Budgeting App - Spend Tracker
Budgeting App - Spend Tracker
Money Manager & Budget Planner
Free

Manage your personal finances with this comprehensive budget planner and expense tracker. It offers features like device syncing, custom categories, flexible budgeting, and insightful analytics to help you stay on track with your spending and savings goals.

Sync across devicesCustomizable spending categoriesFlexible budget creation (weekly, monthly)
💰 Finance
(68)
free with in-app purchases
16
PhonePe: Secure Payments App
PhonePe: Secure Payments App
PhonePe: Secure Payments App
UPI, Recharges, Bills Payments
Free

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.

BHIM UPI money transfersMobile and DTH rechargesUtility bill payments
💰 Finance
(165K)
free with in-app purchases
17
Paytient
Paytient
Paytient
Feel better. Pay later.
Free

This app provides a sponsored line of credit for out-of-pocket healthcare expenses for your entire family. It allows you to pay for care over time with no interest or fees, covering copays, coinsurance, and bills received after treatment. Manage your account, track spending, and set flexible repayment plans easily.

Interest-free healthcare creditPay for care over timeNo fees or credit checks
🏥 Medical
(3.7K)
free with in-app purchases
18
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
UPI, Recharge & Pay Bills
Free

This app offers secure and private UPI payments, bill recharges, and online shopping. It provides features like personalized UPI IDs, international payments, and spend analytics for users in India and abroad.

Secure UPI paymentsInternational UPI paymentsMobile and DTH recharges
💰 Finance
(39K)
free with in-app purchases
19
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4¹
Free

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
🛍️ Shopping
(292K)
free with in-app purchases
20
What's Due: Bill Tracker
What's Due: Bill Tracker
What's Due: Bill Tracker
Your income & bill organizer.
Free

Organize your income and bills to avoid late payments. This app provides reminders, projections, and quick actions to manage your finances efficiently. Sync across devices and secure your data with biometrics.

Bill remindersIncome and bill trackingProjected occurrences
💰 Finance
(297)
freemium

FAQ about Bill Payment

What are the best bill payment apps for iPhone?
Xpress Bill Pay tops our bill payment apps ranking as of July 2026, with a 4.8-star average from 25K App Store ratings, and it's free to download.
Yes — 20 of the top bill payment apps we rank are free to download, including Xpress Bill Pay and Deferit: Pay bills in 4.
Xpress Bill Pay has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 215+ bill payment apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Xpress Bill Pay is a mobile application designed to help you pay your bills quickly and securely. It partners with local city and other billing organizations to offer a streamlined payment experience. You can easily select your billing organization, look up your account, and make payments.
Key features include the ability to never miss a bill with auto-pay, receive up-to-the-minute account alerts, and pay using your credit/debit card or bank account. The app simplifies the process of managing and paying your various bills.