Best Phone Pay Apps

248+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated July 2026

Looking for free phone pay apps? 20 of our 248+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Phone Pay Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PhonePe: Secure Payments AppPhonePe: Secure Payments AppFree4.7★ (167K)NoNoAug 2026
2Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (39K)YesNoAug 2026
3WhatsApp MessengerWhatsApp MessengerFree4.7★ (18M)YesYesAug 2026
4Airtel App: Recharge & BankAirtel App: Recharge & BankFree4.2★ (16K)YesNoAug 2026
5InstagramInstagramFree4.7★ (29M)YesYesAug 2026
6Gmail - Email by GoogleGmail - Email by GoogleFree4.7★ (2.4M)YesYesAug 2026
7BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoAug 2026
8YouTubeYouTubeFree4.7★ (48M)YesYesAug 2026

Top Picks for Phone Pay

PhonePe: Secure Payments App#1

PhonePe: Secure Payments App by PHONEPE PRIVATE LIMITED

UPI, Bills, FASTag, Recharge
Editor's Choice
💰 Finance
4.7😐(167K ratings)
Free
PhonePe: Secure Payments App screenshot 1
PhonePe: Secure Payments App screenshot 2
PhonePe: Secure Payments App screenshot 3
PhonePe: Secure Payments App screenshot 4
PhonePe: Secure Payments App screenshot 5
PhonePe: Secure Payments App 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
WhatsApp Messenger#3

WhatsApp Messenger by WhatsApp Inc.

Simple. Reliable. Private.
Worth Considering
🌐 Social Networking
4.7😊(18M ratings)
FreeAdsIn-App Purchases
#2in Social Networking
WhatsApp Messenger screenshot 1
WhatsApp Messenger screenshot 2
WhatsApp Messenger screenshot 3
WhatsApp Messenger screenshot 4
WhatsApp Messenger screenshot 5

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.

What We Love

  • 💬 Great communication tool
  • 🌍 Connects people globally
  • 🔒 Secure and private messaging
  • 📱 Versatile features (calls, video, groups)

Room to Improve

  • 🐛 Bugs and glitches (freezing, crashing, notification issues)
  • 🔒 Privacy concerns with data sharing
  • 🙈 Lack of customization and control (status, groups)

More Phone Pay apps to explore

4
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
5
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
6
Gmail - Email by Google
Gmail - Email by Google
Gmail - Email by Google
Secure, fast & organized email
Free

This application provides a secure and efficient email experience with advanced features like spam blocking, smart replies, and multi-account support. It integrates with other Google services for enhanced productivity and collaboration.

Robust security & spam blockingReal-time notificationsMultiple account support
📊 Productivity
(2.4M)
free with in-app purchases
7
BHIM Bharat's Own Payments App
BHIM Bharat's Own Payments App
BHIM Bharat's Own Payments App
Bharat Interface for Money
Free

This UPI payment app simplifies digital transactions for all Indians with an intuitive interface and advanced security. It offers features like expense tracking, bill payments, and the ability to manage family payments.

Intuitive UIFamily payment managementExpense monitoring
💰 Finance
(1.4K)
free
8
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
(48M)
free with in-app purchases
9
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
(105K)
free with in-app purchases
10
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
(3.7M)
free with in-app purchases
11
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
12
Meesho: Online Shopping
Meesho: Online Shopping
Meesho: Online Shopping
Lowest Prices, Best Quality
Free

Discover a wide range of quality products from fashion to home essentials at the lowest prices. Enjoy free delivery, cash on delivery, and easy returns for a simple and fun online shopping experience. You can also start selling your own products and reach millions of customers.

Quality products at affordable pricesFree delivery on every orderCash on Delivery available
🛍️ Shopping
(12K)
free with in-app purchases
13
Truecaller: Premium Caller ID
Truecaller: Premium Caller ID
Truecaller: Premium Caller ID
Spam & Scam Phone Call Blocker
Free

Identify unknown callers and block spam calls and texts. This app uses AI and community data to screen calls, identify callers, and offers an AI assistant for call screening. Premium features include ad removal, unlimited lookups, and profile insights.

Identify unknown callersBlock spam calls and SMSAI-powered call screening
🔧 Utilities
(252K)
free with in-app purchases
14
My3
My3
My3
by Hutchison Telephone Company Limited
Free

Manage your mobile account with ease. Check data and voice usage, pay bills, renew contracts, and apply for services. Access exclusive discounts and promotions for members.

Check data and voice usageSettle billsRenew contract
🌟 Lifestyle
(3)
free
15
Tap to Pay - Card Payments
Tap to Pay - Card Payments
Tap to Pay - Card Payments
Accept Credit Card Payments
Free

Transform your iPhone into a mobile payment terminal to accept contactless card and mobile wallet payments instantly on-site. Eliminate the need for separate hardware and get paid faster, improving cash flow and professionalism for mobile businesses.

Accept contactless card payments on iPhoneNo EFTPOS machine or card reader neededInstant on-site payment processing
💼 Business
(1)
free
16
Skent | Cheap Data & Bills Pay
Skent | Cheap Data & Bills Pay
Skent | Cheap Data & Bills Pay
by NECE LABS LTD
Free

Easily top up airtime and data bundles, or convert airtime to cash at competitive rates. This platform offers a fast, reliable, and user-friendly way to manage your mobile services and save money.

Instant airtime top-upsSubscribe to data bundlesConvert airtime to cash
💼 Business
(1)
free
17
Remitly: Send Money & Transfer
Remitly: Send Money & Transfer
Remitly: Send Money & Transfer
Fast international payments
Free

Send money internationally with a secure and reliable service. Supports over 170 countries and 100 currencies, with various delivery options including bank accounts, mobile wallets, and cash pickup. Offers business services for international payroll and payments.

International money transfersSupport for 170+ countriesMultiple delivery options
💰 Finance
(2.7M)
free with in-app purchases
18
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
(4.9M)
free with in-app purchases
19
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts
💰 Finance
(188K)
free
20
Tap to Pay POS: Small Business
Tap to Pay POS: Small Business
Tap to Pay POS: Small Business
Accept Card Payments Instantly
Free

Transform your iPhone into a mobile payment terminal to accept card and mobile wallet payments instantly on-site. Streamline transactions, reduce administrative tasks, and enhance your professional image with this secure and easy-to-use solution for mobile businesses.

Accept contactless card payments via iPhoneNo external card reader or POS hardware neededInstant on-site payment processing
💼 Business
(2)
free

FAQ about Phone Pay

What are the best phone pay apps for iPhone?
PhonePe: Secure Payments App tops our phone pay apps ranking as of July 2026, with a 4.7-star average from 167K App Store ratings, and it's free to download.
Yes — 20 of the top phone pay apps we rank are free to download, including PhonePe: Secure Payments App and Paytm: Secure UPI Payments.
PhonePe: Secure Payments App has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 248+ phone pay apps on the iOS App Store as of July 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.

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