Best Upi Payment App India

40+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated June 2026

The best upi payment app india on iPhone average 4.4★ across 40+ titles — we've ranked them by what real users actually keep on their phones. Updated June 2026.

Compare top Upi Payment App India (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PhonePe UPI, Payment, RechargePhonePe UPI, Payment, RechargeFree4.7★ (169K)NoNoAug 2026
2Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (39K)YesNoAug 2026
3Airtel App: Recharge & BankAirtel App: Recharge & BankFree4.2★ (16K)YesNoAug 2026
4iMobile: Loan, Cards & BankingiMobile: Loan, Cards & BankingFree4.8★ (66K)NoNoAug 2026
5BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoAug 2026
6PayZapp UPI, Pixel Credit CardPayZapp UPI, Pixel Credit CardFree4.8★ (1.3K)NoNoAug 2026
7Mony - UPI for Tourists & NRIsMony - UPI for Tourists & NRIsFree4.6★ (556)NoNoAug 2026
8YONO SBI:Banking and LifestyleYONO SBI:Banking and LifestyleFree3.3★ (2.9K)NoNoAug 2026

Top Picks for Upi Payment App India

PhonePe UPI, Payment, Recharge#1

PhonePe UPI, Payment, Recharge by PHONEPE PRIVATE LIMITED

FASTag, Credit Card, Gold SIP
Editor's Choice
💰 Finance
4.7😐(169K ratings)
Free
PhonePe UPI, Payment, Recharge screenshot 1
PhonePe UPI, Payment, Recharge screenshot 2
PhonePe UPI, Payment, Recharge screenshot 3
PhonePe UPI, Payment, Recharge screenshot 4
PhonePe UPI, Payment, Recharge screenshot 5
PhonePe UPI, Payment, Recharge 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
Airtel App: Recharge & Bank#3

Airtel App: Recharge & Bank by Bharti Airtel Ltd.

Bill Payment, Recharges, UPI
Worth Considering
🌟 Lifestyle
4.2😞(16K ratings)
FreeAds
Airtel App: Recharge & Bank screenshot 1
Airtel App: Recharge & Bank screenshot 2
Airtel App: Recharge & Bank screenshot 3
Airtel App: Recharge & Bank screenshot 4
Airtel App: Recharge & Bank screenshot 5
Airtel App: Recharge & Bank screenshot 6

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.

What We Love

  • 🚀 Easy to use
  • ⚡ Quick payments
  • 👍 Intuitive interface
  • 🔒 Secure transactions

Room to Improve

  • 🐛 Frequent app crashes
  • ⚠️ Inaccurate data usage tracking
  • 🤔 Confusing navigation

More Upi Payment App India apps to explore

4
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
5
BHIM Bharat's Own Payments App
BHIM Bharat's Own Payments App
BHIM Bharat's Own Payments App
Bharat Interface for Money
Free

This UPI payment app simplifies digital transactions for all Indians with an intuitive interface and advanced security. It offers features like expense tracking, bill payments, and the ability to manage family payments.

Intuitive UIFamily payment managementExpense monitoring
💰 Finance
(1.4K)
free
6
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
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
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
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
(106K)
free with in-app purchases
10
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
11
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Debit card, savings, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
💰 Finance
(6.3M)
free with in-app purchases
12
IDFC FIRST Bank: MobileBanking
IDFC FIRST Bank: MobileBanking
IDFC FIRST Bank: MobileBanking
Savings, Payments, and Loans
Free

Manage your finances with a comprehensive mobile banking app. Perform instant payments, track expenses, build wealth through investments, and access loans and insurance. Enjoy zero-fee banking services and personalized offers.

One-Swipe Banking for account managementInstant payments and UPI transfersZero fee banking services
💰 Finance
(2.9K)
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
(239)
free
14
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
(95)
paid
15
IRIS by YES BANK - Mobile App
IRIS by YES BANK - Mobile App
IRIS by YES BANK - Mobile App
by Yes Bank Limited
Free

Manage your finances with a comprehensive mobile banking app offering over 150 features. Perform instant payments, check credit scores for free, and open accounts digitally. Securely manage savings, credit cards, loans, investments, and insurance all in one place.

Instant UPI and Bill PaymentsFree Credit Score CheckDigital Account Opening
💰 Finance
(554)
free
16
Union ease - Mobile Banking
Union ease - Mobile Banking
Union ease - Mobile Banking
Union Bank of India
Free

This digital banking app provides a unified platform to manage all your accounts, offers personalized deals, and simplifies payments. It features a redesigned interface for easy navigation, profile updates, and access to support services.

Unified account managementPersonalized offers and nudgesCentralized payment hub
💰 Finance
(61)
free
17
WhatsApp Messenger
WhatsApp Messenger
WhatsApp Messenger
Simple. Reliable. Private.
Free

Connect with friends and family globally through private messaging and high-quality calls. Share moments, documents, and stay in touch across devices, even on slow connections. Your conversations are secured with end-to-end encryption.

End-to-end encrypted messagingHigh-quality voice and video callsGroup chats and calls
🌐 Social Networking
(18M)
free with in-app purchases
18
digibank by DBS India
digibank by DBS India
digibank by DBS India
by DBS Bank Ltd.
Free

This banking app offers a seamless and intuitive digital banking experience. It provides tools for managing investments, making international transfers, and controlling debit card features. Users can also access UPI payments, personal loans, and insurance solutions.

Mutual fund investmentsOverseas money transfersDebit card control
💰 Finance
(109)
free with in-app purchases
19
DigiLocker
DigiLocker
DigiLocker
Simple &Secure document wallet
Free

A secure digital wallet for citizens to store and access important documents and certificates. This platform aims to reduce the need for physical paperwork by enabling digital issuance and verification.

Secure document storageDigital certificate issuanceDocument verification
📊 Productivity
(183)
free
20
Axis Bank Mobile Banking
Axis Bank Mobile Banking
Axis Bank Mobile Banking
by Axis Bank Ltd
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
(7.4K)
free

FAQ about Upi Payment App India

What is the best upi payment app india for iPhone?
PhonePe UPI, Payment, Recharge tops our upi payment app india ranking as of June 2026, with a 4.7-star average from 169K App Store ratings, and it's free to download.
Yes — 20 of the top upi payment app india we rank are free to download, including PhonePe UPI, Payment, Recharge and Paytm: Secure UPI Payments.
PhonePe UPI, Payment, Recharge has no ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 40+ upi payment app india on the iOS App Store as of June 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.