Best One Upi Apps

68+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated May 2026

Whether you're new to one upi or looking for an upgrade, our curated collection of 68+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top One Upi Apps (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoAug 2026
2PhonePe UPI, Payment, RechargePhonePe UPI, Payment, RechargeFree4.7★ (167K)NoNoAug 2026
3Mony - UPI for Tourists & NRIsMony - UPI for Tourists & NRIsFree4.6★ (556)NoNoAug 2026
4Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (39K)YesNoAug 2026
5iMobile: Loan, Cards & BankingiMobile: Loan, Cards & BankingFree4.8★ (66K)NoNoAug 2026
6PNB ONEPNB ONEFree3.6★ (557)NoNoAug 2026
7slice: UPI credit card & bankslice: UPI credit card & bankFree4.2★ (239)NoNoAug 2026
8PayZapp UPI, Pixel Credit CardPayZapp UPI, Pixel Credit CardFree4.8★ (1.3K)NoNoAug 2026

Top Picks for One Upi

PhonePe UPI, Payment, Recharge#2

PhonePe UPI, Payment, Recharge by PHONEPE PRIVATE LIMITED

FASTag, Credit Card, Gold SIP
Strong Contender
💰 Finance
4.7😐(167K 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
Mony - UPI for Tourists & NRIs#3

Mony - UPI for Tourists & NRIs by SMART PAYMENT SOLUTIONS PRIVATE LIMITED

UPI Wallet for Tourists & NRIs
Worth Considering
💰 Finance
4.6😐(556 ratings)
Free
Mony - UPI for Tourists & NRIs screenshot 1
Mony - UPI for Tourists & NRIs screenshot 2
Mony - UPI for Tourists & NRIs screenshot 3
Mony - UPI for Tourists & NRIs screenshot 4
Mony - UPI for Tourists & NRIs screenshot 5
Mony - UPI for Tourists & NRIs screenshot 6

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.

What We Love

  • 🚀 Convenient UPI payments
  • 🔒 Secure transactions
  • 👍 Easy to set up
  • 👍 Helpful customer support

Room to Improve

  • 🐛 KYC verification delays
  • 🐛 Unreliable transactions
  • 💰 High fees and commissions

More One Upi apps to explore

4
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
5
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

This banking app provides over 400 services, including loans, savings accounts, fund transfers, and card management. It allows users to manage investments, make payments, recharge services, and book travel. Features include budgeting tools, rewards, and 24/7 chatbot assistance.

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards
💰 Finance
(66K)
free
6
PNB ONE
PNB ONE
PNB ONE
by PNB
Free

Manage all your banking needs from a single platform. Transfer funds, view statements, invest, and manage cards securely. Offers a user-friendly interface with features like fingerprint login and bill payments.

Interactive dashboardAccount statement viewingFund transfers (NEFT/IMPS/UPI)
💰 Finance
(557)
free
7
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
8
PayZapp UPI, Pixel Credit Card
PayZapp UPI, Pixel Credit Card
PayZapp UPI, Pixel Credit Card
Bill Payment, Recharge, Wallet
Free

Manage your finances with a digital credit card, UPI payments, and bill recharges. Link your existing cards, shop with vouchers, and earn rewards. Offers instant digital card access and secure payment options.

Digital credit card application and managementUPI payments and money transfersBill payments and mobile recharges
💰 Finance
(1.3K)
free with in-app purchases
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
HDFC Bank App: Banking & Cards
HDFC Bank App: Banking & Cards
HDFC Bank App: Banking & Cards
UPI, Payments, Loans & Offers
Free

Manage your bank accounts, UPI payments, fund transfers, and credit cards securely and conveniently. Enjoy fast logins, instant approvals, and easy bill payments. Access loans and manage deposits all within one trusted digital banking app.

Secure account access with fingerprint/facial recognitionOne-tap block/unblock for banking servicesTwo-step verification for faster transaction approvals
💰 Finance
(13K)
free
11
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
12
Angel One: Stocks, Mutual Fund
Angel One: Stocks, Mutual Fund
Angel One: Stocks, Mutual Fund
Demat, Stock Market Investment
Free

Invest and trade in stocks, mutual funds, and more with a user-friendly platform. Offers seamless trading, portfolio analysis, and access to various financial instruments. Open a free Demat account online to start your investment journey.

Free Demat account openingStock market tradingMutual fund investments
💰 Finance
(2.3K)
free with in-app purchases
13
Jupiter: Cards, UPI, Banking
Jupiter: Cards, UPI, Banking
Jupiter: Cards, UPI, Banking
Save & Invest
Free

Manage your finances with a digital banking app offering a lifetime free credit card with significant cashback, UPI payments, expense tracking, and investment options like mutual funds and digital gold. It also provides access to personal loans and mini loans.

Lifetime free credit card with high cashbackFast and secure UPI paymentsExpense tracking and budgeting tools
💰 Finance
(328)
free
14
IDFC FIRST Bank: MobileBanking
IDFC FIRST Bank: MobileBanking
IDFC FIRST Bank: MobileBanking
Savings, Payments, and Loans
Free

Manage your finances with a comprehensive mobile banking app. Perform instant payments, track expenses, build wealth through investments, and access loans and insurance. Enjoy zero-fee banking services and personalized offers.

One-Swipe Banking for account managementInstant payments and UPI transfersZero fee banking services
💰 Finance
(2.9K)
free with in-app purchases
15
Cheq:UPI for Foreigners & NRIs
Cheq:UPI for Foreigners & NRIs
Cheq:UPI for Foreigners & NRIs
Transcorp
Free

This app provides a seamless digital payment experience in India for foreign nationals and NRIs. It allows for fast and secure UPI transactions, online payments, and easy fund top-ups using international cards. Designed for convenience, it enables users to transact like locals.

Fast and secure UPI paymentsScan QR codes to pay merchantsOnline payments with UPI handle
💰 Finance
(95)
paid
16
Flipkart - Online Shopping App
Flipkart - Online Shopping App
Flipkart - Online Shopping App
by Flipkart Internet Private Limited
Free

Discover a vast selection of products from mobiles to groceries, with exclusive discounts and rewards. Enjoy rapid delivery of essentials in minutes and explore fashion trends, personal loans, and immersive shopping experiences.

Wide product selectionFast 10-minute deliveryGen-Z fashion hub
🛍️ Shopping
(106K)
free with in-app purchases
17
Axis Bank Mobile Banking
Axis Bank Mobile Banking
Axis Bank Mobile Banking
by Axis Bank Ltd
Free

Manage your finances with a comprehensive mobile banking app. Open new accounts, track transactions, make payments, and access loans and investments. Enjoy personalized features and secure access to all your banking needs.

Open digital savings accounts onlineCustomizable dashboard for financial overviewSecure MPIN for transactions and login
💰 Finance
(7.4K)
free
18
Fi Money: Open Account Online
Fi Money: Open Account Online
Fi Money: Open Account Online
Track Expenses & Invest Money
Free

This app allows you to open a zero-balance savings account online and manage your finances. It offers expense tracking, automated payments, investment options in mutual funds, and a personal finance assistant. The platform aims to help users build wealth and develop better money habits with a secure and user-friendly interface.

Open zero-balance savings account onlineTrack expenses automaticallyAutomate UPI payments
💰 Finance
(148)
free with in-app purchases
19
UPoint
UPoint
UPoint
by United Alliance LLC
Free

This app is a unified loyalty program that rewards loyal customers with points for purchases. Collect points from participating businesses and redeem them for discounts or special offers. Access exclusive deals, coupons, and challenges directly through the application.

Earn points on purchasesRedeem points at partner businessesExclusive discounts and coupons
🌟 Lifestyle
(48)
free
20
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

FAQ about One Upi

What are the best one upi apps for iPhone?
BHIM Bharat's Own Payments App tops our one upi apps ranking as of May 2026, with a 4.4-star average from 1.4K App Store ratings, and it's free to download.
Yes — 20 of the top one upi apps we rank are free to download, including BHIM Bharat's Own Payments App and PhonePe UPI, Payment, Recharge.
BHIM Bharat's Own Payments App has no ads and has no in-app purchases, according to its App Store listing as of May 2026.
We track 68+ one upi apps on the iOS App Store as of May 2026, ranked by rating, recency, and analysis of real user reviews.
BHIM (Bharat Interface for Money) is a UPI payment app developed by the National Payments Corporation of India (NPCI). It is designed to make digital transactions easier, safer, and faster for all Indian users with an intuitive interface and advanced security features.
Key features include a refreshed intuitive UI, Family Mode for managing payments, Spend Insights for expense monitoring, UPI Lite for small PIN-less payments, RuPay Credit Card on UPI, Credit Card on EMI options, UPI Circle for payments without a bank account, seamless bill payments, and light/dark mode options. It also allows for easy expense splitting with friends.