Top 10 Best UPI Apps In India for Safe Online Payments

upi apps in india

With the way India is progressing day by day in keeping with technology, why should India lag behind in money transfers? So India introduced a payment method called UPI to keep itself ahead of this development. Various organizations in India have launched some of the Best UPI Apps in India to take this technology forward.

Although the name UPI may sound small, it is a very powerful money transfer method. Where any person can send money directly to another person’s bank account by just scanning a QR code or taking their mobile number. Here no banking information is required for money transfer. Not only this, sending money through UPI is so accurate that it takes away the possibility of mistakenly transferring money to someone else’s account.

On 11 April 2016, the National Payments Corporation of India launched this technology first in India. And since then this provision has become one of the most popular means of money transfer in India. But earlier this UPI app was used only for personal transfers. Then gradually you will be able to make payments through this UPI app in all small and big shops.

However, after the launch of this technology in India, more than a hundred companies launched their own UPI payment apps. But most of them are not very secure when it comes to payment transfers. That’s why in this article I have given complete information about the Best Secure UPI Apps In India. I am sure that after reading this article to the end you will find the right UPI App as per your requirement.

List of the 10 Best UPI Apps In India:-

Here I have given information about the top 10 Best UPI Apps In India selected from my experience. Not that the apps at the top of the list here feature the most or the most secure payment transfers. Each of these apps has its own unique features and each one is secure in terms of payment transfers. Feel free to use whichever one you need.

1. Google Pay

Google Pay is a UPI app developed by Google. But when the company first launched this app, it was called Tej. It was later renamed to Google Pay. Currently, Google Pay is one of the most used UPI apps in India.

On March 3, 2021, Google LLC launched this Google Pay app. This Google Pay app has a 4.0 rating on the Google Play Store and more than 500 million downloads. Google Pay ranks first among the most used and most downloaded UPI apps in India.

With this app, you can make payments by scanning the QR code at any shop or restaurant. One of the best features of this Google Pay app is that you can create groups with some people and send and receive money for trips, dinners, bills, rent, and more in that group.

You can recharge Mobile, DTH, and Broadband through the Google Pay app. You can also make credit cards, insurance, gas cylinders, municipal, EMI, and hospital payments. And with this payment, you will get some rewards in this app.

2. PhonePe

The second most used UPI app in India is PhonePe. Not only this, this PhonePe app is the oldest UPI app in India. PhonePe company launched this app on 14 October 2016. This PhonePe app has a 4.3 rating on Google Play Store and more than 100 million downloads.

As per my experience, the user interface of this PhonePe app is much simpler and neater than all UPI apps on the list. Any new user can easily understand all the features of this app. Also, when you open this PhonePe app, you will realize that all the payment options are provided on your home screen.

Through this PhonePe app, you can also make all types of recharges, bill payments, and direct QR code payments. Not only that, you can transfer money directly to someone else’s or your own bank account through this UPI app. And in this PhonePe app also after payment, you will get cashback or small reward coupons through which you will get discounts during some other purchases.

3. Paytm

Paytm is one of the most popular payment transfer apps in India. On April 30, 2012, a company called One97 Communications Ltd launched the Paytm app. This Paytm app has a 4.6 rating on Google Play Store and more than 100 million downloads. But at the time of launch, it was not a UPI app. This Paytm app was popular for mobile recharge, Fastag recharge, DTH recharge, Movie Tickets, and Postpaid bill payment.

Later after the launch of UPIAI technology, One97 Communications Ltd company brought UPIAI technology to the Paytm app since then this app came under the UPI app. Apart from the UPI feature, this app also has a banking feature.

You can create your own savings account through the banking feature of this app. And you can deposit money through this savings account and send money to any other account. You can also make payments by scanning any QR code through the UPI feature of this Paytm app. Also, any person can make a payment to his bank account through his mobile number.


BHIM is a UPI app owned by the Government of India. The National Payments Corporation of the Government of India launched the UPI technology through the BHIM app. Currently, this BHIM app is one of the Best UPI Apps In India.

National Payments Corporation first launched this BHIM app on 30 December 2016. Currently, this BHIM app has a 4.4 rating and more than 50 million downloads on Google Play Store. This app was the first step taken by the Government of India to make India Cashless.

Like other apps, this BHIM app also lets you make payments through QR codes. And any BHIM UPI app user can make payments through a mobile number to any person. Also through this BHIM app, you can make any type of recharge, or bill payment.

As this BHIM app is developed for the people of India, 20 local languages of India have been added to this app so that people of all states of India can use this app in their local language.

5. Amazon Pay

You must have heard the name Amazon more or less. Amazon is one of the largest shopping websites in the world. And India’s second-largest shopping website. But let us tell you that apart from shopping on Amazon’s website and app, there are many other features among which Amazon Pay is an important feature.

In 2007, Amazon added the Amazon Pay feature to its website and app for mobile recharges and bill payments. And on 14 February 2019, Amazon company also added the Amazon Pay UPI feature to this Amazon Pay feature.

As for other apps, the UPI feature can only be used in mobile apps. But you can use this Amazon Pay feature both on the Amazon website and the app. Amazon Pay also has a fraud protection feature to protect customers.

You can use Amazon Pay for all types of recharges, bill payments, and even train tickets. You can also order food and medicine.

6. MobiKwik

MobiKwik is an all-in-one yuppie app. I call this app one-in-one UPI because this app has multiple payment options and credit options along with UPI features.

On 25 August 2012, the app was launched on the Google Play Store by a company called One MobiKwik Systems Limited. And this app has a 4.3 rating and 50 million downloads on Google Play Store. But like the Paytm app, this app was also a popular app for recharge and bill payment after launch.

Then in May 2019 One MobiKwik Systems Limited company added the UPI payment system as a feature in the MobiKwik app. Like other UPI apps, this MobiKwik app also allows you to make mobile recharges, bill payments and make payments to any other person through your mobile number.

Also, any small or big shop can scan the QR code and make a payment. Also, this MobiKwik app has the facility of Zip Pay Later where you get credit up to Rs 60,000 and you can use it for any payment.

7. Freecharge

If you are looking for a simple UPI app then the Freecharge app will be the best for you. Because this app has a very simple user interface any new user can use this app very easily.

This app was launched by Freecharge company on 22 April 2013. This Freecharge app has a 4.3 rating and 10 million downloads on Google Play Store. This app was also initially used as a recharge and bill payment app. Later after the launch of the UPIAI technology, the Freecharge company added the UPIAI feature to the Freecharge app.

This app has multiple features like personal loans, credit cards,s and pays letters along with UPI feature. You can do all recharges and bill payments through this Freecharge app. You can also invest in mutual funds and digital gold. And can send money directly to any person through his mobile number.

8. Airtel Thanks

Airtel Thanks is a finance app from Bharti Airtel. If you are using Airtel mobile number then this app has some special benefits for Airtel users. For example, by logging in with your number, you will see all the information regarding the recharge, validity, and data usage of your mobile number. But even if you are not an Airtel user, you can use the Airtel Thanks app as a UPI app.

On 7 July 2016, Airtel company launched the Airtel Thanks app. The app has a 4.3 rating on the Google Play Store and over 100 million downloads. This is one of the popular Best UPI Apps In India.

But this app also did not have this UPIAI feature at the time of launch. Like Paytm, MobiKwik, or Freecharge, this Airtel Thanks app was also popular as a recharge and bill payment app. Later, Airtel company added the UPIA feature to the Airtel Thanks app.

In this app, you can transfer money instantly to any mobile number and to someone else’s bank account through UPI. You can also scan the QR code and make direct payments at any small or big shop.

9. PayZapp

PayZapp is an all in one payment app launched by HDFC Bank Limited. HDFC Bank Limited launched this app on 15 June 2015. This app also has over 1 million AC downloads on Google Play Store.

This PayZapp was used as a recharge and payment app after its launch. In 2022 HDFC Bank Limited added the UPI feature to the PayZapp app. Since then, users have continued to use this app as a recharge, bill payment, and UPI app.

You can also pay for online shopping, ticket booking, and online food delivery through this PayZapp app. Small and big shops and malls can also make payments by scanning the QR code.


YONO SBI is a banking app of the State Bank of India. You can use this app only if you are a State Bank of India customer. And YONO SBI’s UPI feature is also only for SBI customers.

But if you are a customer of SBI bank then this app will be very useful for you. You don’t need to install any separate app to use the UPI feature. In this one app, you can use all the features of State Bank internet banking as well as the UPI feature.

This YONO SBI app also has all the features of UPI. You can pay by scanning the QR code at any small or big shop. Also can do mobile recharge and DTH bill payment like other UPI apps. However, in this YONO SBI app, you can make bill payments in some limited cases. After recharge or bill payment like other apps cashback and reward features in this app but no such feature.

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