Best Upi Lite Apps

237+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated July 2026

Looking for free upi lite apps? 20 of our 237+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Upi Lite Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (39K)YesNoAug 2026
2PhonePe: Secure Payments AppPhonePe: Secure Payments AppFree4.7★ (167K)NoNoAug 2026
3BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoAug 2026
4Yono Lite SBIYono Lite SBIFree3.7★ (1.6K)YesNoAug 2026
5BHIM SBIPayBHIM SBIPayFree3.0★ (98)NoNoJul 2026
6UPI Amount QR GeneratorUPI Amount QR GeneratorFreeNoNoMay 2026
7Mony - UPI for Tourists & NRIsMony - UPI for Tourists & NRIsFree4.6★ (556)NoNoAug 2026
8Apple WalletApple WalletFree4.8★ (6.7M)YesNoAug 2026

Top Picks for Upi Lite

Paytm: Secure UPI Payments#1

Paytm: Secure UPI Payments by Paytm Mobile Solutions

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, Bills, FASTag, Recharge
Strong Contender
💰 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

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
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
6
UPI Amount QR Generator
UPI Amount QR Generator
UPI Amount QR Generator
Fixed amount UPI QR codes
Free
💼 Business
(0)
7
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
8
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
9
HDFC Bank App: Banking & Cards
HDFC Bank App: Banking & Cards
HDFC Bank App: Banking & Cards
UPI, Payments, Loans & Offers
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
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
11
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
12
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
13
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
(220)
free
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
(66K)
free
15
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
(40)
free
16
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
17
FedMobile
FedMobile
FedMobile
by Federal Bank
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
18
UPI CROPSCIENCE
UPI CROPSCIENCE
UPI CROPSCIENCE
OFFICE OF PUBLIC PLATFORM
Free
💼 Business
(0)
19
Rediff: UPI, Mail & News App
Rediff: UPI, Mail & News App
Rediff: UPI, Mail & News App
UPI Payments, Email & News App
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
20
ShoPay UPI QR Maker
ShoPay UPI QR Maker
ShoPay UPI QR Maker
ShoPay UPI QR Code Maker
Free
🔧 Utilities
(0)

FAQ about Upi Lite

What are the best upi lite apps for iPhone?
Paytm: Secure UPI Payments tops our upi lite apps ranking as of July 2026, with a 4.7-star average from 39K App Store ratings, and it's free to download.
Yes — 20 of the top upi lite apps we rank are free to download, including Paytm: Secure UPI Payments and PhonePe: Secure Payments App.
Paytm: Secure UPI Payments shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 237+ upi lite apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Paytm is a digital payments app built for India, offering secure UPI payments, mobile and DTH recharges, utility bill payments, and online shopping. It supports international UPI payments in several countries, making it convenient for Indian travelers.
Key features include secure and private UPI transfers with personalized UPI IDs, international payments, PIN-less payments with UPI Lite, RuPay credit card on UPI, UPI AutoPay for recurring payments, mobile/DTH recharges, utility bill payments, rent payments, and spend analytics.