Best UPI Apps in India (2024 Reviews)

Looking for the best UPI app in India? Here in this article, I’ve listed all the best UPI apps in India for paying and transferring money online. But before going to have a look at UPI applications, let’s learn more about UPI.

What is UPI?

UPI stands for Unified Payments Interface. Well, UPI or Unified Payments Interface is a quick money transfer framework that quickly transfers the funds between the two bank accounts through mobile devices. This idea was initiated by the National Payments Corporation of India and is constrained by the RBI (Reserve Bank of India) and IBA (Indian Bank Association).

Best Features of UPI Apps

The important features of best UPI apps are:

  • Send Money to any user or Bank Account 
  • Request Money to your UPI
  • Scan and Pay to Seller, Family or Friend
  • Transactions & Order History
  • Profile Management
  • Bank Account 
  • Multiple Language 
  • Privacy 

What are the Best UPI Apps in India?

Best UPI apps in India are:

1. Cred

The Indian fintech startup Cred, had introduced CRED Pay, a feature that enables users to make UPI payments directly through the CRED app. CRED Pay allows users to settle credit card bills using UPI, making the payment process more convenient and efficient.

With CRED Pay, users can link their bank accounts, including those from different banks, and perform UPI transactions seamlessly within the CRED app. This feature not only simplifies bill payments but also enhances the overall user experience. Additionally, CRED offers rewards to users who utilise CRED Pay for their credit card bill payments and paying through UPI.

Considering the above features like easy to use, rewards on payment, credit card payment vis UPI, Cred stand at first position in our Best UPI Apps in India list.

2. Paytm

Paytm gained a large number of users when it has launched the wallet service in India and soon became the best UPI app in India.

Users can add money to their Paytm wallet and withdraw it to their linked bank account. Also, users can send cash from Paytm UPI to any UPI Users or any bank within a couple of moments.

Users also can do a lot of things on Paytm Application like Shopping, Movie Booking, Bus booking, Police Challan, etc.

3. Google Pay

Google Pay is another best UPI app in India, created by the tech giant Google itself.

Just like Paytm, Google Pay allows users to pay online for things like buying on shops, online portals, and other point-of-sale those accepting Google Pay.

In addition to that, on the Google Pay Application we can do Mobile Recharges, Bill Payments, Tickets, and a lot more things.

4. Phonepe

PhonePe is one of the best online UPI Payment and wallet app that was launched in December 2015. The Phonepe gives an online payment solution dependent on Unified Payments Interface (UPI), propelled by the National Payments Corporation of India (NPCI).

Users can do different kinds of transactions on the Phonpe UPI app like Recharge, DTH Bills, Postpaid Bills, Electricity Bills, Credit Card Bills, etc.  Also, Phonepe also started offering services like Buying Gold, Order Food from Swiggy, Dominos, Fassos; Book your Hotel, IRCTC Trains, etc.

5. BHIM India

Bharat Interface for Money (BHIM) is an online UPI App that lets users make straightforward money transferring utilizing Unified Payments Interface (UPI). Users can make direct bank transactions to anybody on UPI utilizing their UPI ID or scanning their QR codes with the BHIM application. Users also can request money through the application from their UPI ID.

Spearheaded and created by the National Payments Corporation of India (NPCI), BHIM has been considered and propelled by the Hon’ble Prime Minister of India, Narendra Modi on 30th December 2016 to get Financial Inclusion to the country and a carefully engaged society. It is no doubt that BHIM India is one of the best UPI apps ever made for a smartphone in India.

6. Amazon Pay

Yup, Amazon, a name that we are all familiar with. However, Amazon is no longer an ordinary online marketplace. It has expanded its service to an online virtual wallet “Amazon Pay”. By using Amazon Pay, you will actually get the best of security while performing online money transactions.

Amazon India currently began UPI on Amazon India application to their client and now you can utilize Amazon Pay UPI to do move your cash to your Friends and Family part. From Amazon Pay UPI you can do pay Postpaid Bills, Electricity Bills, DTH, And now you can do shopping to and get Rs.50 Cashback on your first shopping.

Must Read: Best Credit Card

Summary – Best UPI App in India

So, those are the Best UPI Apps in India. They all have their own uniqueness and may fit several people. You need to choose one as well in order to make things easy to manage. However, make sure you choose the one that suits you the most.


Which UPI apps is best?

The best UPI app in India are listed above in this article and some of them are Paytm, Google Pay, BHIM, Phonepe and Amazon Pay.

Does UPI is safe to use?

Yes, UPI is safe as bank accounts. Also, all UPI transactions are regulated by the Reserve Bank of India.

Which is the safest UPI app in India?

All apps are listed in this article are considered safe as all are regulated by the RBI and IBA.

What is the difference between UPI and Wallet?

UPI is a platform for transacting between bank accounts via a unique ID and Wallet is a mobile application based on UPI that holds money into it.

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