Best Upi Lite Apps

168+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated June 2026

Looking for free upi lite apps? 20 of our 168+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Upi Lite Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoJul 2026
2Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (39K)YesNoJul 2026
3PhonePe: Secure Payments AppPhonePe: Secure Payments AppFree4.7★ (165K)YesNoJul 2026
4Yono Lite SBIYono Lite SBIFree3.7★ (1.6K)YesNoJul 2026
5GPAYGPAYFree3.6★ (47)NoNoJul 2026
6BHIM SBIPayBHIM SBIPayFree3.0★ (98)NoNoJul 2026
7Apple WalletApple WalletFree4.8★ (6.7M)YesNoJul 2026
8Airtel App: Recharge & BankAirtel App: Recharge & BankFree4.2★ (16K)YesNoJul 2026

Top Picks for Upi Lite

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
PhonePe: Secure Payments App#3

PhonePe: Secure Payments App by PHONEPE PRIVATE LIMITED

UPI, Recharges, Bills Payments
Worth Considering
💰 Finance
4.7😐(165K 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 Lite apps to explore

4
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
5
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
6
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
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
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
9
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
(13K)
free
10
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
11
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
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
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
14
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
(64K)
free
15
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
(204)
free
16
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
17
UPI Amount QR Generator
UPI Amount QR Generator
UPI Amount QR Generator
Fixed amount UPI QR codes
Free
💼 Business
(0)
18
FedMobile
FedMobile
FedMobile
by THE FEDERAL BANK LIMITED
Free

This mobile banking application consolidates banking, bill payments, and UPI services into a single platform. Users can manage accounts, transfer funds, make payments, and access investment and loan services. It also offers account management features and service requests for a comprehensive banking experience.

Account management and transaction viewingOnline fund transfers (UPI, IMPS, NEFT, RTGS)Recharge and bill payments
💰 Finance
(1.4K)
free
19
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
(552)
free
20
PSB UnIC
PSB UnIC
PSB UnIC
PSB UnIC
Free

Manage your bank accounts, transfer funds, and invest in schemes. This app offers features like debit card management, cheque services, and instant payment options. Access exclusive banking services conveniently from your mobile device.

Fund transfers (UPI, NEFT, RTGS, IMPS)Account details and statement generationInvest in term deposits and social security schemes
💰 Finance
(4)
free

FAQ about Upi Lite

What are the best upi lite apps for iPhone?
BHIM Bharat's Own Payments App tops our upi lite apps ranking as of June 2026, with a 4.4-star average from 1.4K App Store ratings, and it's free to download.
Yes — 20 of the top upi lite apps we rank are free to download, including BHIM Bharat's Own Payments App and Paytm: Secure UPI Payments.
BHIM Bharat's Own Payments App has no ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 168+ upi lite apps on the iOS App Store as of June 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.