Best UPI Apps in India 2025

Imagine you're at the checkout counter, ready to pay for your shopping, but your wallet is surprisingly empty. No cash, no cards, what now? Panic? Not quite! With the best UPI apps in India, you can make payments anytime and anywhere.

All you need to make this payment is your mobile and internet connection. Isn’t that great? Not only that, but you can also link any of your bank accounts to the UPI app and make payments. With the best UPI app, you can access your funds without the need to carry the cash and while using your credit cards smartly.

Whether splitting bills, paying for groceries, or settling utility payments, the top UPI payment app handles it easily, securely, and quickly. So, let us understand what these apps are and how they can help ease your transactions. Also, let us find the top 10 UPI apps in India that you can use.

Understanding UPI Apps

Before we explore the top 10 UPI apps in India, it is important to know what these apps are.

The Unified Payments Interface known as UPI, is a simple system that let you handle online payments from your mobile phone. You can add several bank accounts to one app, which makes it easy to manage your money without needing to log into different bank apps.

Using the best UPI apps will allow you to:

• Perform cashless transactions

• Check your balance quickly

• Make instant payments by scanning a QR code

• Keep track of all your spending in one place

• Use multiple bank accounts in one app. 

This simplifies how you access and spend your money, making it a go-to for efficient financial planning and management.

Now that you know the basics of the UPI apps in India, let us explore the top choices available.

Top 10 UPI Apps in India 2025

Which UPI app is best? This is a very typical question indeed. That is why we have listed the best UPI app in India here. These are based on features and transactions. All these apps allow you to manage your digital payments with ease.

Here is the list of the best UPI apps for you.

Overview of Best UPI Apps in India

Here is a detailed view of all the top 10 UPI apps in India.

1. PhonePe

Launch Year: 2016

Ratings: 4.2 stars

Reviews: 1.20 Cr.

Downloads: Over 50 Cr+

PhonePe is the best UPI app in India. This is a leading fintech app that helps you unlock the easy flow of money. This is one of the apps that offers you speed, reliability, and security. Using this, you can access your best bank account anywhere with just a click.

Being one of the best UPI apps in India, this allows you to avail yourself of various financial services anytime. The features that make this stand apart from the rest of UPI apps are:

• User-friendly interface.

• Multiple language options are available for the user.

• Instant money transfers, bill payments for utilities, and recharges.

• Investment options in mutual funds and insurance.

• QR code scanning for easy payments.

• Merchant payments and cashback offers.

2. Google Pay

Launch Year: 2011

Ratings: 4.4 stars

Reviews: 1.06 Cr.

Downloads: Over 100 Cr+

Google Pay is one of the most secure payment apps that offers benefits for every transaction you make. In fact, this is one of the best cashback UPI apps that you can use for your financial needs. It was initially started under the name of Google Wallet, and it was again renamed Android Pay in 2015. Finally, in 2018, the Google Pay emerged.

One of the most unique UPI apps, this comes with multiple features, including:

• Ease of making payments to merchants, billers, recharges, and more.

• Tracking and managing transactions to know your monthly spending at a glance.

• Benefits like vouchers, scratch cards, coupons, and cashback on every transaction.

• Ease of use for all Google services.

• User-friendly interface that makes it easy to use.

• Secured and safe with password and authentication.

• Linking multiple bank accounts is easy.

3. Paytm

Launch Year: 2010

Ratings: 4.6 stars

Reviews: 2.70 Cr.

Downloads: Over 50 Cr+

Considered to be a pioneer, Paytm is indeed one of the best UPI apps in India. With over 20 million merchants and 300 million customers using its services, this app offers seamless services for all your financial needs. It provides a seamless experience for users who wish for effective financial management services.

The main aspects of this best UPI app for cashback that help it to stand out are as follows:

• Allows you to make payments online with ease.

• You can use the app to make ticket bookings as well.

• Facility to buy insurance or cards is also available.

• QR code payments and P2P transfers.

• Wallet integration for added convenience.

• Exclusive deals are offered for various platforms.

• Separate section for services to business.

4. Navi

Launch Year: 2023

Ratings: 4.2 stars

Reviews: 1.20 Cr.

Downloads: Over 50 Cr+

Navi is a new-age application that combines UPI transactions and financial services. Known for its user-friendly design and innovative features, Navi appeals to a broad user base eager for straightforward financial solutions. With its intuitive interface, Navi provides a streamlined experience for users managing their finances and executing transactions with ease.

Here are the key features of Navi UPI that distinguish it in the competitive landscape:

• Unified payment platform.

• Allows you to make multiple bill payments.

• Offers investment options like mutual funds.

• Allows you to purchase health insurance from Navi Health Insurance.

• User-friendly dashboard for account management.

• Availability of various loan products.

• Allows you to use financial calculators for better financial planning. 

5. CRED

Launch Year: 2018

Ratings: 4.8 stars

Reviews: 24.80 L.

Downloads: Over 5 Cr+

Though this is a new addition to the list of the best UPI apps, CRED has gained a name for its simplicity and features. It is primarily known for rewarding users who pay their credit card bills on time. Its focus on rewarding responsible financial behavior makes it unique among payment apps.

Additionally, CRED runs exciting promotions where users can win 100% cashback on their payments, enhancing the overall user experience. The primary features of this app that you must know of are as follows:

• Rewards program for timely credit card payments.

• UPI transactions for easy money transfers.

• Investment options in various financial products.

• Bill payment services are integrated into the app.

• Simple to use and easy navigational features.

6. Amazon Pay

Launch Year: 2019

Ratings: 4.2 stars

Reviews: 1.20 Cr.

Downloads: Over 50 Cr+

Amazon is the retail giant that needs no introduction. The platform is not only known for offering various products to its customers but also payment and entertainment services. Amazon Pay is one of the best UPI apps for teenagers as it allows you to fulfill multiple purposes with ease.

It integrates seamlessly with the Amazon shopping platform, allowing users to make payments easily while shopping online or at partner merchants. It provides a secure way to handle transactions without leaving the Amazon ecosystem. The features of this UPI app are as follows:

• Convenient payments during Amazon purchases.

• Supports bill payments and recharges via UPI.

• Cashback offers on transactions made through the app.

• Integration with various online merchants.

• Multi-language support is available.

• Secure transaction processing, ensuring user safety.

7. WhatsApp Pay

Launch Year: 2020

Ratings: 4.2 stars

Reviews: 20.20 Cr.

Downloads: Over 500 Cr+

An app that combines messaging, video calling, sharing, and even payments, now WhatsApp is great. WhatsApp Pay is quite new and is integrated with the WhatsApp messaging app only. This means you are not required to download any additional app for this.

It makes this a convenient app for peer-to-peer transactions among friends and family without switching apps. The USPs of this app are as follows:

• Direct money transfers within WhatsApp chat.

• Simple setup by linking bank accounts via UPI.

• Secure transactions with end-to-end encryption.

• No additional fees for sending money.

• User-friendly interface familiar to WhatsApp users.

• Backed by BHIM UPI for a high degree of safety.

8. BHIM

Launch Year: 2016

Ratings: 4.1 stars

Reviews: 16.80 L.

Downloads: Over 10 Cr+

BHIM is one of the UPI apps in India that is backed by the government. It facilitates seamless and instant bank-to-bank transactions through the UPI. It aims to promote cashless transactions and financial inclusion. This app is widely accessible to multiple users across India.

The facilities and features offered by BHIM are as follows:

• Instant money transfers directly to anyone’s bank account.

• Transfer through UPI ID or mobile number.

• User-friendly and great for users of all ages.

• Multiple language support for diverse populations.

• Secure transactions with strong security measures.

• QR code payments for convenient transactions by scanning or generating codes.

9. FreeCharge

Launch Year: 2010

Ratings: 4.2 stars

Reviews: 14.10 L.

Downloads: Over 5 Cr+

FreeCharge is a powerful financial digital application that can handle multiple transactions at once. It offers a wide range of services powered by Axis Bank. This makes it one of the most trusted UPI payment apps to use.

Here are the aspects and properties that you must know:

• Instant mobile recharges both prepaid and postpaid.

• Send and receive money using UPI.

• Pay and schedule all your bills with a click.

• Get rewards for certain transactions.

• Look for added features like investment and loans.

10. Mobikwik

Launch Year: 2009

Ratings: 4.4 stars

Reviews: 28.80 L.

Downloads: Over 10 Cr+

Mobikwik is a powerful digital payment application that facilitates smooth and secure transactions. It is quite versatile. It also offers the Pocket UPI. This allows users to make UPI payments without linking to a bank account. This adds to the overall convenience and flexibility.

The USPs of this app are as follows:

• Instant mobile recharges for all major telecom operators.

• Easy and secure UPI transactions.

• Quick and reliable bill payments for utilities.

• Exciting cashback rewards and discounts.

• Options to invest directly through the app.

• Get funding and apply for cards as well.

Benefits of Using UPI Apps 

Why should you use the UPI apps as compared to the NEFT or RTGS transactions? UPI payment has various benefits compared to other kinds of financial payment transactions.

The primary benefits of using the UPI apps differ based on their user. So, here are the main benefits to know:

Benefits for Payers

• Instant Transactions: UPI allows for immediate fund transfers. This ensures that payments are completed in real-time without delays.

• 24/7 Availability: Users can initiate transactions anytime. The service is available to all its users around the clock.

• User-Friendly Interface: UPI apps typically have simple and intuitive designs. This makes the UPI apps quite simple to use.

• Multiple Payment Options: Consumers can pay using various methods. You can make payments by scanning the QR code, mobile number, or UPI ID.

• Secure Transactions: UPI employs multi-factor authentication and encryption. This ensures that transactions are safe. Without a password, a transaction of high value cannot be confirmed. This offers higher safety.

Benefits for Receivers 

• Faster Settlements: UPI ensures quick settlements, often within seconds. This helps manage business transactions and cash flows effectively.

• Enhanced Security: The best UPI apps in India are backed by strong safety features. This includes two-factor authentication (2FA). This protects merchants from unauthorized access and fraud.

• Improved Customer Satisfaction: The speed and convenience of UPI transactions are top-notch. The transactions are done in seconds, which improves the service quality. This results in a satisfied customer base and growing business with regular repeats.

• Ease of Integration: UPI payments can be easily used with the existing system. There is no need for a new setup, which saves cost and time.

• Access to Digital Transactions: UPI enables merchants to accept payments digitally. This allows you to avoid the use of cash a lot, which makes management better.

Overall, the UPI apps provide a seamless payment experience that benefits both consumers and merchants by enhancing convenience, security, and efficiency in financial transactions.

Key Things to Know While Using UPI Apps

Using the best UPI apps effectively requires you to analyze their features well. You should know how to use them and what all the things you must keep in mind. The basic points that you must know while using the UPI apps are as follows:

• You can do standard transactions of up to Rs.1 lakh in a day.

• No more than 20 UPI transactions can be performed in a single day.

• For specific high-value transactions, the limit can be increased to Rs.5 lakh per transaction.

• Transactions linked to capital markets, insurance, collections, and foreign inward remittances have a daily limit of Rs.2 lakh.

• Individual banks may impose their limits, ranging from Rs.25,000 to Rs.1 lakh for standard transactions.

Tips for Using UPI Apps

• Ensure you have a PIN that is strong and unique. 

• Get the app from verified sources only.

• Enable two-factor authentication to increase protection.

• Regular updates are a must to get the best features.

• Avoid conducting transactions over unsecured public Wi-Fi networks.

• Ensure that your PIN, details, IDs, and others are never shared with others.

• Track your transactions regularly to know your spending and avoid fraud.

• Log out of your UPI app after completing transactions to prevent unauthorized access.

• Before you confirm any transaction, check for the reference details.

• When paying through a QR code, double-check for authenticity.

Conclusion

The best UPI apps provide a seamless payment experience, benefiting consumers and merchants by enhancing convenience, security, and efficiency in financial transactions. These apps' evolution has transformed how money flows in the economy, making financial transactions instant, almost effortless, and more transparent. As these platforms continue to innovate, they'll likely introduce more features to integrate financial services into our daily lives.

FAQs

Q. Which UPI app is the government?

The BHIM (Bharat Interface for Money) is one of the best UPI apps in India, which was developed by the National Payments Corporation of India (NPCI).

Q. Is BHIM better than Google Pay?

BHIM is simpler and focused on direct bank transfers, making it user-friendly. Google Pay offers more features like rewards and bill payments, which may appeal to users looking for additional functionality.

Q. Which UPI app is best?

The best UPI app varies by user needs. BHIM is great for basic transactions, Google Pay offers rewards, PhonePe has a wide range of services, and Paytm provides extensive wallet features.

Q. Is Paytm better than GPAY?

Paytm is better for users who want a comprehensive digital wallet with shopping and investment options. Google Pay is great for ease of use and is the best UPI app for cashback. Your choice depends on your specific needs.