Digital payments are on the rise as time is changing. With the rise of digital payments, the UPI method has also been growing in India. Whether you want to pay your restaurant bill, electricity bill, or pay at a grocery store, UPI has made it very easy. It enables effortless, secure, and fast payment options. In this blog, I have mentioned the 7 best UPI apps in India to send and receive money in India. Stay tuned till the end of the blog to know all about these UPI apps and their features.
Table of Contents
What are UPI apps?
UPI apps allow users to do transactions using UPI technology. UPI stands for Unified Payment Interface. It is a real-time payment technology that enables users to link their bank account with the UPI app and send or receive money to anyone.
7 Best UPI Apps to Send and Receive Money in India
These are the top UPI apps that you can use to do your daily transactions from personal to business. But, before we get into the details of these UPI apps here, I have put together a quick list of these top UPI apps. Please, let’s take a look at this quick table:
| # | Name | Benefits | Rating | App Link |
|---|---|---|---|---|
| 1 | Google Pay | Convenient and secure transactions, rewards program | 4.4/5 | get the App |
| 2 | PhonePe | Seamless UPI transactions, bill payments | 4.4/5 | get the App |
| 3 | Paytm | Digital wallet, versatile bill payments | 4.5/5 | get the App |
| 4 | BHIM | Simplified UPI-based transactions, QR code payments | 4.4/5 | get the App |
| 5 | Amazon Pay | Streamlined online and offline payments | 4.1/5 | get the App |
| 6 | Mobikwik | Quick and secure digital wallet, cashback offers | 4.3/5 | get the App |
| 7 | Freecharge | Instant mobile recharges, exclusive deals | 4.3/5 | get the App |
Let us now know in detail about these UPI apps. I have discussed these apps’ top features, benefits, UI, pros and cons, and many more. By reading about each UPI app in detail, you can decide which one you should use for your transactions.
1. Google Pay
This app is the official app of Google. Initially, when this app was launched its name was Tez. The most important thing about Google Pay is that you can transact with it by following very easy steps. It is very fast and secure. While doing large transactions, it asks for your location for added security. You can use it to send money, recharge, pay bills, invest in many things, and do other finance. You can pay your friend using a UPI ID, UPI-linked mobile number, Direct Bank Transfer, and QR Code.
Key features
- Very easy and fast
- Get rewarded on every payment
- View Transaction History
- Add multiple payment methods
- It reminds you about your bills and you can reschedule
Price: Free
Get the App: Download Google Pay on Google Play Store
2. PhonePe
PhonePe is one of the most used UPI services today. The company was started in December 2015 by Sameer Nigam, Rahul Chari, and Burzin Engineer. You can do most of the financial activities like sending money, recharge, rent payment, bill payment, investment, flight and train ticket booking, and many more using this app. The user interface of this app is very clean and its functionality is also very simple, so it can be used by everyone, even if they do not have much technical knowledge.
Key features
- Split bills and expenses with friends.
- Real-time payment and support
- Offers and discounts on transactions
- Supports multiple local languages
- Personal and Business payment options in a single app
Price: Free
Get the App: Download PhonePe on Google Play Store
3. Paytm
Paytm is the app that revolutionized digital payments in India. Paytm company was started by Vijay Shekhar Sharma in 2010 as a recharge app. Over time, many more features were added to it. At this time you can use Paytm for Recharge, Bill Payment, Shopping, Investment, Flight, Train, and movie Ticket Booking, Loan Payment, Tax Payment, Credit Card Bill Payment, and many other finance activities.
Key features
- Fast and easy-to-do payments
- One-stop payment for daily usage
- Rewards and points on almost every transaction
- Very safe and secure
- Works on every QR code
Price: Free
Get the App: Download Paytm on Google Play Store
4. BHIM
BHIM (Bharat Interface for Money) is the most popular UPI app in India. It is managed by NPCI, a government body. You can add your multiple bank accounts in this app. This app allows you to check back account balance, and send and receive money. Since it is an app run and managed by a government body, it is more reliable than other UIPI apps.
Key features
- Trustworthy because managed by government bodies
- Multiple languages supported.
- Transact money without any charge.
Price: Free
Get the App: Download BHIM on Google Play Store
5. Amazon Pay
This is a payment service from Amazon. In Amazon Pay, you can link your multiple bank accounts and create multiple UPI IDs. The best thing is that you do not have to install any app to use it, but you can use it inside the Amazon Shopping app itself. In this, you can do mobile recharge, bill payment, ticket booking, fee payment, and many other financial activities.
Key features
- Pay at partner merchants and avail discounts.
- Book flights and movie tickets.
- Seamless integration with Amazon services.
- Cashback rewards on transactions.
Price: Free
Get the App: Download Amazon Pay on Google Play Store
6. Mobikwik
Mobikwik is another popular UPI app in India. The company was founded in 2009 by Bipin Preet Singh. Earlier it started as a simple recharge company but over time other services like a digital wallet, other payments, money transfers, and loan buying were also added to it. Mobikwik also provides a digital payment gateway system and many other financial services.
Key features
- Quick and secure digital payments.
- Personalized recommendations and deals for you.
- Mobile recharges, bill payments, and ticket bookings.
- Cashback discount offer on every transaction.
- Convenient expense management features
Price: Free
Get the App: Download Mobikwik on Google Play Store
7. Freecharge
Freecharge is one of the popular payment apps in India. Freecharge was founded by Kunal Shah and Sandeep Tandon in 2010 in Gurgaon. Later in 2015, it was acquired by Snapdeal. Initially, you could only recharge it but now you can do almost all financial activities on it. Currently, you can do recharges, bill payments, invest in digital gold, buy loans, pay insurance premiums, and many more transactions.
Key features
- Instant mobile recharges and bill payments using multiple payment methods.
- Attractive deals and discounts on almost every transaction.
- Pay at partner merchants and avail cashback.
- Secure platform for digital payments.
- Multiple investing and bill payment options.
Price: Free
Get the App: Download Freecharge on Google Play Store
Importance of the UPI Apps
UPI (Unified Payments Interface) applications have become an indispensable way of conducting financial transactions quickly and conveniently in our digital age. They have revolutionized how we handle digital payments by offering cashless alternatives that fit easily in our pockets.
UPI apps boast user-friendly interfaces and advanced security features to provide a safe platform to link bank accounts and perform various transactions such as transferring money between accounts or paying bills and shopping online.
How to Choose a Good UPI App
When selecting a UPI app, it’s essential to keep several factors in mind that can ensure an easy and safe digital payment experience.
Here are 5 key points that you should consider when choosing a good UPI app:
- Security and Data Protection.
- User-Friendly Interface.
- Pricing & Fee.
- Customer Support and Reliability.
- Integration with Other Apps.
Conclusion
In this article, we explored the best UPI apps in India for secure and seamless money transactions. Consider factors like security, user interface, pricing, customer support, and app integration when choosing a reliable UPI app. Explore Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, Mobikwik, and Freecharge to find the app that suits your needs.
Prioritize robust security, user-friendly interfaces, competitive pricing, and reliable customer support. Simplify your financial transactions, enjoy cashback rewards, and experience the convenience of digital payments with these top UPI apps. Choose wisely and embark on a seamless digital journey today.
FAQ
1. Can I link multiple bank accounts to these UPI apps?
Yes, most of these UPI apps allow you to link and manage multiple bank accounts within the app. This feature enables you to choose the desired bank account for making transactions conveniently.
2. Are there any transaction limits for sending and receiving money through these apps?
Yes, each UPI app has its own transaction limits, which may vary based on factors like the user’s bank, transaction type, and account verification level. These limits are set by the National Payments Corporation of India (NPCI) and are subject to periodic revisions.
3. How secure are these UPI apps in terms of protecting my personal and financial information?
These UPI apps prioritize the security of your personal and financial information. They use encryption and advanced security measures to safeguard your data. Additionally, features like two-factor authentication and secure PIN verification add an extra layer of protection to ensure secure transactions.
4. Do these apps offer cashback rewards or discounts on transactions?
Yes, many of these UPI apps provide cashback rewards, discounts, and exclusive offers on transactions. These incentives are designed to encourage users to make more transactions through the app. Cashback rewards can be in the form of direct money back or in-app rewards that can be redeemed for various services.
5. Can I transfer money from my UPI app to a non-UPI bank account?
Yes, most of these UPI apps allow you to transfer money from your UPI app to non-UPI bank accounts. They provide options to enter the recipient’s bank account details, including the bank account number and IFSC code, enabling you to make transfers to any bank account within India.
