Best Upi App

206+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated June 2026

With an average user rating of 4.2★, the upi app category is one of the App Store's strongest. Browse all 206+ apps we track, sorted so the most loved ones surface first.

Top Picks for Upi App

Paytm: Secure UPI Payments#1

Paytm: Secure UPI Payments by PayTM Mobile Solutions Private Limited

UPI, Recharge & Pay Bills
Editor's Choice
💰 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
PhonePe: Secure Payments App#2

PhonePe: Secure Payments App by PHONEPE PRIVATE LIMITED

UPI, Recharges, Bills Payments
Strong Contender
💰 Finance
4.7😐(164K ratings)
FreeAds
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

More Upi App apps to explore

4
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
5
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
(1.2K)
free with in-app purchases
6
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
7
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
8
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
9
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
(196)
free
10
GPAY
GPAY
GPAY
by Grameenphone Limited
Free

This mobile wallet allows users to recharge Grameenphone numbers, pay utility bills, and buy train tickets. Registration is available via the app or a USSD code. Funds can be added through linked bank accounts or MobiCash outlets.

Mobile recharge for GrameenphoneUtility bill paymentsTrain ticket purchases
💰 Finance
(47)
free
11
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
(63K)
free
12
OmniCard: UPI, Card & Rewards
OmniCard: UPI, Card & Rewards
OmniCard: UPI, Card & Rewards
Your Daily Payments UPI App
Free

This app simplifies business expense management for employees by allowing them to track, categorize, and submit expenses digitally. It offers UPI payments, corporate cards, and fund requests, all without needing a traditional bank account. Enjoy quicker reimbursements and streamlined administrative tasks.

UPI payments without a bank accountCorporate card for business expensesExpense tracking and receipt uploads
💰 Finance
(41)
free
13
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
14
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
(98)
free
15
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
(103K)
free with in-app purchases
16
HDFC Bank App: Banking & Cards
HDFC Bank App: Banking & Cards
HDFC Bank App: Banking & Cards
App being gradually introduced
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
(10K)
free
17
Axis Bank Mobile Banking
Axis Bank Mobile Banking
Axis Bank Mobile Banking
by Axis Bank Limited
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
(7.3K)
free
18
Rediff: UPI, Mail & News App
Rediff: UPI, Mail & News App
Rediff: UPI, Mail & News App
Rediff Mail, News & Payments
Free

This app combines email, news, and payment services into a single platform. Manage your inbox with advanced spam filters, stay informed with breaking news and trending stories, and make fast, secure payments for recharges and bills.

Spam-free email inboxReal-time news updatesVisual web stories
💰 Finance
(5)
free
19
Cash Book - Balance & Expense
Cash Book - Balance & Expense
Cash Book - Balance & Expense
Cashflow, Einnahmen & Ausgaben
Free

This app simplifies financial management for individuals and businesses. Track income, expenses, and cash flow with digital registers, generate reports, and manage staff salaries or debts. It offers features like data backup, bill attachment, and search/filter options for easy record-keeping.

Unlimited cash book creationGenerate and export reports (Excel, PDF)Attach bill images to entries
💼 Business
(2.3K)
free with in-app purchases
20
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
(80)
paid

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