Best Upi Apps

240+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated October 2026

The best upi apps on iPhone average 4.2★ across 240+ titles — we've ranked them by what real users actually keep on their phones. Updated October 2026.

Compare top Upi Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (40K)YesNoOct 2026
2PhonePe: UPI, Gold, InsurancePhonePe: UPI, Gold, InsuranceFree4.7★ (174K)NoNoOct 2026
3BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoOct 2026
4PayZapp UPI, Pixel Credit CardPayZapp UPI, Pixel Credit CardFree4.8★ (1.4K)NoNoOct 2026
5Mony - UPI for Tourists & NRIsMony - UPI for Tourists & NRIsFree4.4★ (671)NoNoOct 2026
6UPI Amount QR GeneratorUPI Amount QR GeneratorFree—NoNoSep 2026
7YONO SBI: Banking, UPI & PayYONO SBI: Banking, UPI & PayFree3.3★ (2.9K)NoNoOct 2026
8Apple WalletApple WalletFree4.8★ (7.4M)NoNoOct 2026

Top Picks for Upi

Paytm: Secure UPI Payments#1

Paytm: Secure UPI Payments by Paytm Mobile Solutions

UPI, Recharge & Pay Bills
Editor's Choice
💰 Finance
4.7😞(40K 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
  • 🐛 Buggy app and transactions
  • 📱 Horrible user experience
  • 🔑 KYC issues
PhonePe: UPI, Gold, Insurance#2

PhonePe: UPI, Gold, Insurance by PHONEPE PRIVATE LIMITED

Pay Bills, Mutual Fund SIP
Strong Contender
💰 Finance
4.7😐(174K ratings)
Free
PhonePe: UPI, Gold, Insurance screenshot 1
PhonePe: UPI, Gold, Insurance screenshot 2
PhonePe: UPI, Gold, Insurance screenshot 3
PhonePe: UPI, Gold, Insurance screenshot 4
PhonePe: UPI, Gold, Insurance screenshot 5
PhonePe: UPI, Gold, Insurance 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
  • 🚀 Fast and convenient

Room to Improve

  • 🐛 Transactions failing or pending
  • 🔍 Lack of customer support
  • 🔍 Difficult to resolve issues
  • 🔍 Unreliable service
  • 🔍 Inconsistent performance

More Upi apps to explore

FAQ about Upi

What are the best upi apps for iPhone?
Paytm: Secure UPI Payments tops our upi apps ranking as of October 2026, with a 4.7-star average from 40K App Store ratings, and it's free to download.
Yes — 20 of the top upi apps we rank are free to download, including Paytm: Secure UPI Payments and PhonePe: UPI, Gold, Insurance.
Paytm: Secure UPI Payments shows ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 240+ upi apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.

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