Best Phone Pay Upi Apps

249+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated July 2026

Whether you're new to phone pay upi or looking for an upgrade, our curated collection of 249+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Phone Pay Upi 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
3BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoAug 2026
4Airtel App: Recharge & BankAirtel App: Recharge & BankFree4.2★ (16K)YesNoAug 2026
5iMobile: Loan, Cards & BankingiMobile: Loan, Cards & BankingFree4.8★ (66K)NoNoAug 2026
6rapid! Payrapid! PayFree4.5★ (188K)NoNoAug 2026
7Papaya: Securely Pay Any BillPapaya: Securely Pay Any BillFree4.8★ (118K)NoNoAug 2026
8Branch: A Better PaydayBranch: A Better PaydayFree4.8★ (67K)NoNoAug 2026

Top Picks for Phone Pay Upi

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

More Phone Pay Upi 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
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
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
7
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
8
Branch: A Better Payday
Branch: A Better Payday
Branch: A Better Payday
Your money—fast
Free

Access your earned wages instantly with flexible payout options. This app provides a free digital bank account and debit card, along with financial wellness tools to help you save, spend, and manage your money effectively.

Fast wage accessDigital bank accountDebit card
💰 Finance
(67K)
free with in-app purchases
9
Xpress Bill Pay
Xpress Bill Pay
Xpress Bill Pay
The trusted way to pay
Free

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.

Quick and secure bill paymentsPartnerships with local billing organizationsAuto-pay functionality
💰 Finance
(26K)
free
10
myCricket App
myCricket App
myCricket App
Manage & update your account
Free

Easily manage your wireless account from anywhere, anytime. Track payments, data usage, and plan details. Get support and even switch carriers seamlessly.

Account managementPayment processingData usage tracking
🔧 Utilities
(213K)
free
11
UPI Merchant - Mobile Receive
UPI Merchant - Mobile Receive
UPI Merchant - Mobile Receive
by Sinopay (Singapore) Private Limited
Free
💰 Finance
(0)
12
Vi: Recharges & Payments
Vi: Recharges & Payments
Vi: Recharges & Payments
Vi:Mobile Recharge,Data Top Up
Free

Manage your mobile services, recharge, and pay bills with this app. It offers exclusive benefits, entertainment options, and utility payments all in one place.

Mobile recharge and bill paymentsData top-up and net packsVi Caller tunes and Hello Tunes
🔧 Utilities
(29K)
free
13
Yono Lite SBI
Yono Lite SBI
Yono Lite SBI
SBI Mobile Banking App
Free

This mobile banking application allows State Bank of India customers to manage their finances conveniently on the go. It offers a wide range of features for account management, fund transfers, bill payments, and card management, accessible in multiple Indian languages.

Account management and mini statementsFund transfers (within SBI, third-party, inter-bank)Fixed and recurring deposit opening
💰 Finance
(1.6K)
free with in-app purchases
14
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
15
UnelmaPay
UnelmaPay
UnelmaPay
by Unelma Platforms
Free

This digital wallet facilitates secure and convenient online payments. It enables users to transfer funds between wallets, accept payments via major gateways, and manage utility bill payments. It's a comprehensive payment ecosystem for seamless transactions.

Online payment processingWallet-to-wallet fund transfersAccept payments via third-party gateways
💰 Finance
(1)
free
16
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
17
ShoPay UPI QR Maker
ShoPay UPI QR Maker
ShoPay UPI QR Maker
ShoPay UPI QR Code Maker
Free
🔧 Utilities
(0)
18
DivDat Mobile Payments App
DivDat Mobile Payments App
DivDat Mobile Payments App
by DivDat
Free

Pay local bills conveniently from your phone. Add municipalities, utilities, and more to a single platform. Supports credit card, debit card, check, and cash payments via kiosks.

Add local billersMultiple payment methodsPayment reminders
💰 Finance
(4.1K)
free
19
CUB Merchant UPI
CUB Merchant UPI
CUB Merchant UPI
MIS FOR UPI MERCHANT
Free
💰 Finance
(0)
20
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

FAQ about Phone Pay Upi

What are the best phone pay upi apps for iPhone?
PhonePe: Secure Payments App tops our phone pay upi 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 upi 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 249+ phone pay upi 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.