Best Navi Upi Apps

126+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated May 2026

Looking for free navi upi apps? 20 of our 126+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Navi Upi Apps (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PhonePe UPI, Payment, RechargePhonePe UPI, Payment, RechargeFree4.7★ (169K)NoNoAug 2026
2Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (39K)YesNoAug 2026
3BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoAug 2026
4InstagramInstagramFree4.7★ (29M)YesYesAug 2026
5YouTubeYouTubeFree4.7★ (49M)YesYesAug 2026
6WhatsApp MessengerWhatsApp MessengerFree4.7★ (18M)YesYesAug 2026
7YONO SBI:Banking and LifestyleYONO SBI:Banking and LifestyleFree3.3★ (2.9K)NoNoAug 2026
8slice: UPI credit card & bankslice: UPI credit card & bankFree4.2★ (239)NoNoAug 2026

Top Picks for Navi Upi

PhonePe UPI, Payment, Recharge#1

PhonePe UPI, Payment, Recharge by PHONEPE PRIVATE LIMITED

FASTag, Credit Card, Gold SIP
Editor's Choice
💰 Finance
4.7😐(169K ratings)
Free
PhonePe UPI, Payment, Recharge screenshot 1
PhonePe UPI, Payment, Recharge screenshot 2
PhonePe UPI, Payment, Recharge screenshot 3
PhonePe UPI, Payment, Recharge screenshot 4
PhonePe UPI, Payment, Recharge screenshot 5
PhonePe UPI, Payment, Recharge 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

Room to Improve

  • 🐛 Transactions failing or pending
  • 🔍 Lack of customer support
  • 🔍 Difficult to resolve issues
Paytm: Secure UPI Payments#2

Paytm: Secure UPI Payments by Paytm Mobile Solutions

UPI, Recharge & Pay Bills
Strong Contender
💰 Finance
4.7😞(39K 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 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.

What We Love

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

Room to Improve

  • 🔒 Security issues
  • 🤖 Poor customer service
  • 🛑 Doesn't work internationally

More Navi Upi apps to explore

4
Instagram
Instagram
Instagram
Videos, creators & friends
Free

Connect with friends and discover new content through photos, videos, and short-form entertainment. Share your daily moments and life's highlights, or dive into personalized feeds based on your interests.

Short-form video creation and discovery (Reels)Ephemeral content sharing (Stories & Notes)Private group chats (Close Friends)
📷 Photo & Video
(29M)
free with in-app purchases
5
YouTube
YouTube
YouTube
Videos, Music and Live Streams
Free

Watch and subscribe to a vast array of videos, from music and gaming to news and learning. Discover trending content, connect with creators, and even upload your own videos. Offers options for ad-free viewing and exclusive perks.

Personalized video recommendationsSubscribe to favorite channelsExplore trending and popular content
📷 Photo & Video
(49M)
free with in-app purchases
6
WhatsApp Messenger
WhatsApp Messenger
WhatsApp Messenger
Simple. Reliable. Private.
Free

Connect with friends and family globally through private messaging and high-quality calls. Share moments, documents, and stay in touch across devices, even on slow connections. Your conversations are secured with end-to-end encryption.

End-to-end encrypted messagingHigh-quality voice and video callsGroup chats and calls
🌐 Social Networking
(18M)
free with in-app purchases
7
YONO SBI:Banking and Lifestyle
YONO SBI:Banking and Lifestyle
YONO SBI:Banking and Lifestyle
Bank,Invest,Shop,Travel
Free

Manage your finances with this comprehensive banking and lifestyle application. It offers seamless UPI payments, instant fund transfers, and easy account opening. Enjoy personalized offers, loyalty rewards, and robust security features for all your banking needs.

All-in-one digital bankingInstant account openingSeamless UPI and quick-pay
💰 Finance
(2.9K)
free
8
slice: UPI credit card & bank
slice: UPI credit card & bank
slice: UPI credit card & bank
A new bank, for a new India
Free

This app offers a digital banking experience with a zero-balance savings account earning daily interest, high-return fixed deposits, and instant personal loans. It also facilitates fast UPI and automated bill payments with robust security.

Zero-balance digital savings accountDaily interest on savingsFixed deposits up to 7.75% returns
💰 Finance
(239)
free
9
Airtel App: Recharge & Bank
Airtel App: Recharge & Bank
Airtel App: Recharge & Bank
Bill Payment, Recharges, UPI
Free

Manage all your Airtel services, including mobile recharges, bill payments, and banking. Explore 5G Plus speeds, pay utility bills, and access exclusive offers and cashback.

Mobile prepaid and postpaid rechargesDTH and broadband bill paymentsUPI money transfer and QR payments
🌟 Lifestyle
(16K)
free with in-app purchases
10
Google
Google
Google
Search with AI, Images & Text
Free

This app provides a comprehensive search experience, integrating AI for quick answers and personalized content. It allows you to search using images, voice, or text, and offers features like song identification and real-time translation.

AI Overviews for quick answersImage search with LensHum to Search for song identification
🔧 Utilities
(5M)
free with in-app purchases
11
Google Chrome
Google Chrome
Google Chrome
Fast & Secure, by Google
Free

This web browser offers fast and secure internet access, integrating Google Search and Lens for quick information retrieval. It provides robust security features like enhanced protection and password management, and syncs your data across devices for seamless browsing.

Fast and secure browsingGoogle Search and Lens integrationEnhanced protection mode
🔧 Utilities
(3.8M)
free with in-app purchases
12
MyJio: For Everything Jio
MyJio: For Everything Jio
MyJio: For Everything Jio
Recharge, shopping & more
Free

Manage all your Jio services, from telecom and entertainment to finance and shopping, in one place. Access music, movies, news, UPI payments, insurance, and healthcare services. Get support and order new connections easily.

Manage telecom services (mobile, fiber)Access music, movies, and newsUPI payments and banking services
📊 Productivity
(29K)
free
13
BHIM PNB
BHIM PNB
BHIM PNB
by PNB
Free

This app allows users to send and receive money using a unified payment interface. It supports linking multiple bank accounts from different banks onto a single platform for easy management and transactions. Users can create payment addresses to keep their account details private.

Unified Payment Interface (UPI)Link multiple bank accountsSend and receive money
💰 Finance
(0)
free
14
Google Maps
Google Maps
Google Maps
Places, navigation & traffic
Free

Navigate your world with real-time traffic, turn-by-turn directions for driving, walking, cycling, and public transport. Discover millions of businesses and places with photos and reviews. Plan trips with Street View, Immersive View, and offline maps.

Real-time GPS navigationLive traffic dataPublic transport updates
🗺️ Navigation
(7.3M)
free with in-app purchases
15
Apple Wallet
Apple Wallet
Apple Wallet
Apple Pay, Apple Card and more
Free

Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.

Store credit/debit cardsDigital driver's license/state IDTransit and event tickets
💰 Finance
(6.7M)
free
16
BHIM UCO UPI
BHIM UCO UPI
BHIM UCO UPI
by UCO BANK
Free

This banking application allows users to send and receive money using a virtual private address. It facilitates various payment methods including P2P, P2A, and Aadhaar payments, and provides transaction history and beneficiary management.

Send and receive money via Virtual Private AddressSupports P2P, P2A, and Aadhaar paymentsInitiate and authorize collect requests
💰 Finance
(2)
free
17
Mony - UPI for Tourists & NRIs
Mony - UPI for Tourists & NRIs
Mony - UPI for Tourists & NRIs
UPI Wallet for Tourists & NRIs
Free

This app enables tourists and NRIs to make seamless, cashless payments across India using UPI. Avoid currency exchanges, ATM lines, and card issues to explore local markets and hidden gems. Track expenses and enjoy secure transactions.

Cashless payments across IndiaPay at local markets and shopsAvoid currency exchange and ATM fees
💰 Finance
(556)
free
18
Utkarsh UPI
Utkarsh UPI
Utkarsh UPI
by UTKARSH SMALL FINANCE BANK LIMITED
Free

Facilitate instant and secure financial transactions using various methods like QR codes, Virtual Payment Addresses (VPAs), and Account + IFSC. Supports UPI Lite for faster, smaller transactions and Tap & Pay for contactless payments.

Instant secure paymentsQR code paymentsVPA payments
💰 Finance
(0)
free
19
BHIM SBIPay
BHIM SBIPay
BHIM SBIPay
by State Bank of India
Free

This app facilitates secure and instant money transfers between any bank customers using a single platform. It also allows users to pay for various services like recharges, food orders, and utility bills, with options for local deals and merchant payments.

Send and receive money between banksPay for recharges (prepaid, postpaid, DTH)Order food from multiple restaurants
💰 Finance
(99)
free
20
BHIM DLB UPI
BHIM DLB UPI
BHIM DLB UPI
by Dhanlaxmi Bank Ltd.
Free

This application allows users to link multiple bank accounts from different banks to a single platform for all their banking needs. It facilitates sending and receiving money, initiating payment requests, and making merchant payments through virtual IDs and QR codes.

Link multiple bank accountsSend and receive moneyInitiate collect requests
💰 Finance
(0)
free

FAQ about Navi Upi

What are the best navi upi apps for iPhone?
PhonePe UPI, Payment, Recharge tops our navi upi apps ranking as of May 2026, with a 4.7-star average from 169K App Store ratings, and it's free to download.
Yes — 20 of the top navi upi apps we rank are free to download, including PhonePe UPI, Payment, Recharge and Paytm: Secure UPI Payments.
PhonePe UPI, Payment, Recharge has no ads and has no in-app purchases, according to its App Store listing as of May 2026.
We track 126+ navi upi apps on the iOS App Store as of May 2026, ranked by rating, recency, and analysis of real user reviews.
The app allows you to make secure UPI payments, transfer money between bank accounts, recharge your mobile and DTH services, pay various utility bills like electricity and gas, and make payments at offline and online stores. Additionally, you can invest in mutual funds and purchase various types of insurance policies.
You can link your bank account to the app and use BHIM UPI to transfer money instantly to other UPI users or merchants. The app supports managing multiple bank accounts, checking balances, and saving beneficiaries for easy transactions.