Top 10 Best UPI Apps for Instant Payment on Android


UPI stands for Unified Payments Interface that is the fastest transferring or payment method of money. This plays a key role to settle payments for a bank to bank, run by National Payments Corporation of India. The main aim of Digital India Planning to start UPI transfer is to make money transfer possible each and every day. Using UPI you can transfer money even on holidays or at mid of the night as there are no time or day restrictions. There is no need to carry cards as you can transfer money with the help of UPI. But to use UPI transactions you must have one of the best UPI apps installed in your smart mobile to make the transfer or to receive money.

UPI is a great relief to the users as there is no need to enter account details. On using a UPI ID which is in the form of Gmail or Facebook or Hotmail id is enough to perform all your transactions.

We have gathered top 10 best UPI apps. So, there is a number of UPI apps available in the online market. You will also get confused which are safe, trustworthy, more features and user-friendly.  Pick one of the best UPI apps from the list and have happy transactions.

Best 10 UPI Apps

  1. Google Pay

Google pay (old name – Tez) is the only UPI application with the simple and good user interface. In addition, it has the reward program to keep the user engaged. Moreover, Google pay is the only UPI that is allowing the payment and receiving of money from nearby devices like shareit sharing.

How To Start

  • Download the application into your mobile through play store for Android mobile or app store for iPhone mobiles or Microsoft store for Microsoft windows mobiles.
  • You must have the mobile number attached to the bank account in the same mobile to start the procedure.
  • Follow on-screen instructions to add your bank account to the Google pay and create UPI ID.


  • You can set up a screen lock separately for the app or can use the same screen lock of the mobile.
  • Stores with NFC payment terminals will support Google Pay.
  • Accepts multiple payment options like QR code, UPI ID or through bank details.
  • You can pay utility bills like recharge, broadband, DTH, gas, water, electricity, movie tickets, travel tickets, and many more.

Rating: 4.4 / 5 stars from 4,76,481 ratings

App Size: 8.1 MB but varies with device

Available On: Android, iOS, Microsoft Windows

  1. Paytm

Paytm is one of the most commonly used applications for transactions of money in India. As this is convenient and user-friendly interface making it one of the best UPI apps. The RBI has permitted virtual banks like Paytm. That can send and receive money but cannot provide debit or credit cards.

How To Start

  • You have to install the app from the respective stores of your mobile.
  • Open the app, create an account as we generally do for any app using mobile number and email ID. You have to create a password to it.
  • Later have to do the physical KYC done. Without KYC you can only recharge, pay utility bills, and can receive money, and can pay for a merchant. On doing KYC, you can send paytm wallet money to the bank, can send money to friends using mobile number, and many more.
  • You can attach the bank account after creating the account by going through the menu options.


  • Normally, in banks you have to maintain a minimum balance, paytm doesn’t require any minimum balance. You can use paytm bank with zero balance.
  • It doesn’t charge for online transactions like UPI, IMPS, or Neft.
  • For every transaction or recharge, you make an SMS alert is received. There are no charges for using the SMS alerts.

Rating: 4.4 / 5 stars from 44,49,442 ratings

App Size: Varies with device

Available On: Android, iOS

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  1. PhonePe

The PhonePe is also one of the finest and best UPI apps as it allows the user to transact about 1 lakh in a single transaction. You will get instant refunds in case of canceling the purchase from the merchants from the PhonePe. This has the one of the best features of transferring money within your own bank accounts instantly.

How To Start

  • Initially, download app from the respective stores of your mobile.
  • Open the app and verify your mobile number that should be same as your bank registered mobile number.
  • Provide all the details like name, email address, and set four digit password to activate your account.
  • Create new Virtual Private Address (VPA). Link you bank account and confirm the details to start using for sending and receiving money.


  • The PhonePe is providing 24 x 7 customer care services to make the customers to clear their queries and issues immediately.
  • PhonePe wallet for storing money for the immediate transaction of money.
  • This is supporting UPI payments upto 1 lakh per transaction. Also supports credit/debit card powered by Techprocess services limited payments.

Rating: 4.5 / 5 stars from 19,79,413 ratings

App Size: 7. 5 MB

Available On: Android, iOS

  1. BHIM

BHIM stands for Bharath Interface For Money is developed as a part of Digital India initiative by NPCI (National Payment Corporation of India). This is an initiative taken to make a solution to make India true cashless. It is the simplest application for UPI mode transaction. As it has the least options, so there is no scope for confusion.

How To Start

  • Install the application from the respective mobile store.
  • Later, open the app and choose your language. On the next step, the app prompts for verification of mobile number using an SMS.
  • After verification, you have to set a passcode. You have to select the bank and next to the details are automatically taken by the app using your mobile number.


  • You can transact the money through UPI or verified BHIM mobile numbers.
  • There is also an option of requesting money to the registered BHIM mobile number.
  • QR scan option is available to pay or transfer money using barcode that can be decoded by smartphone or tablet.

Rating: 4.2 / 5 stars from 4,00,000 ratings.

App Size: 6.1 MB

Available On: Android, iOS

  1. Mobikwik

Initially, Mobikwik is started as a recharge portal. But, later on, it got digital wallet rights in 2013 and UPI service provider rights in 2017. It is one of the user-friendly app for most of the old and new userswith their easy to use features. This comes with a super cash feature that is a system to score cash backs, discounts, and other more offers.

How To Start

  • Download the app, after completion of installation, finally launch it.
  • Register mobile number and enter the received OTP.


  • It supports the entire debit and credit cards like mater card, amex, discover, diner’s, rupay, and visa.
  • This has the multiple checkout options as you can transfer money to either like mobikwik wallet, payzapp, oxigen, or icash.
  • You can collect or transfer money to the other users with the UPI payment without any integration with ease.
  • It allows easy EMIs payment options attached with many banks like ICICI, KOTAK, SBI, AXIS, HDFC, HSBC, and Induslnd bank.

Rating: 4.1 / 5 stars from 1 million ratings

App Size: 18.36 MB

Available On: Android

  1. FreeCharge

Initially, freecharge started as a recharge app. But later on, it has added a wallet and now allowing UPI transactions. This is one of the best UPI apps with all in one feature like recharge, pays utility bils, accepts & sends money through UPI ID.

How To Start

  • Initially, you have to register using, name, email ID, mobile number, and password.
  • After opening the app, click on UPI registration, select the sim for mobile number verification. On the next screen, freecharge gives you the available UPI ID. Next, click on link bank account option and select your bank. The app automatically takes your account details.
  • You have successfully added your bank and created UPI ID. Start sending and receiving money.


  • You can transfer money using UPI ID or bank account + IFSC code, request money, on scanning QR codes, and can request money from other freecharge users using UPI ID.
  • It allows to pay mobile recharges, utility charges, metro card recharges, Google play recharges, donate, mutual funds, cashless payments, and many more.
  • The freecharge is having many more deals, cashbacks, and discounts that saves money.
  • Freecharge has transaction history to look after the past transactions. The help center helps you to clarify your doubts and queries related to the app.

Rating: 4.3 stars from 1 million ratings

App Size: 14.14 MB

Available On: Android, iOS

  1. BHIM SBI Pay

BHIM SBI pay is the UPI app of SBI bank that is allowing any bank customer to send or receive money. It is a simple app that is allowing to recharge, bill payments, food orders, and to pay local deals.

How To Start

  • Initially, download the application on your mobile.
  • Launch the app, enter the mobile number, and name.
  • On the next screen, select bank name, enter an account number, and create VPA.
  • Next, create app pin, enter the email id or alternate mobile number, and create security question with an answer.
  • If you have a promo code enter else directly sign-in.


  • You can pay the utility bills like recharge mobile or DTH. Using it you can also pay electricity, gas, landline, and water bills. BHIM SBI pay allows more than 70+ popular bill payments.
  • It allows paying money through VPA of the beneficiary or IFSC & account number, or through the scanning QR code.
  • This has the option to view transaction history of past 20 transactions from the range of dates.
  • You can manage multiple accounts but can set a default account for your convenience.
  • It allows create and manage multiple VPAs.

Rating: 4.4 / 5 stars from 1,85,010 ratings

App Size: Almost 15.71 MB

Available On: Android, iOS

  1. Pockets

The Pockets is developed by ICICI bank is the easiest to use a mobile wallet to pay anyone. This is also an easy way to shop from anywhere and you can operate the bank with ease. It is also offering UPI, NFC, and QR barcode payments. You can instantly use the free virtual VISA card that you can use for shopping on online apps and websites.

How To Start

  • Download and install pockets app in your mobile through the respective store.
  • Next, swipe the options and offers available with the pockets. Later on, select the sim that is having the registered bank account.
  • Enter the passcode received in your mobile number.
  • Fill the details to create your account. On the next screen, set the Mpin.
  • Finally, select the bank and create the UPI. You have created an account with minimum KYC.
  • You change the appointment time and the representative will reach you at the scheduled time to complete full KYC of your pockets account.


  • You can transfer funds instantly to the bank accounts or mobile number using UPI or mobile number.
  • There is also an option of requesting funds from the other users of pockets wallet.
  • You can pay mobile, DTH, can book movie tickets, and many more utility payment features.
  • This also has regular fixed deposits to earn better interest rates.
  • You can also get a debit card to withdraw money from the ATMs.

Rating: 4.2 / 5 stars from 1,41,108 ratings

App Size: Approximately 19.68 MB

Available On: Android, iOS

  1. BHIM Axis Pay

The Axis pay is having the cleanest interface as the main screen contains send money or receive money options. You can see other all options inside the app but the home screen is simple and easy to understand without any complications. It also contains the QR code generation to pay or receive money using it.

How To Start

  • You have to download the BHIM Axis pay app from the store.
  • Launch the app and the mobile number authentication is done through SMS.
  • On the next screen, given the details and agree to terms and conditions.
  • You have to create the passcode for the app. Now, you are ready to get into the app.
  • Next, you have to add a bank account; go to manage accounts, select bank, and create VPA (Virtual Payment Address).
  • Finally, enter the debit card details and create Mpin.


  • You can recharge mobile and DTH.
  • This allows you to send, receive, and ask for money using UPI ID.
  • It has the ability to see the balance in your bank account.
  • You can now use the app in English and Hindi.

Rating: 4.2 / 5 stars from 40,237 ratings

App Size: 9.46 MB

Available On: Android, iOS

  1. Kotak Pay

The Kotak pay is the most inspired from BHIM UPI. This is also allowing instant payment with the scanning of the QR code. It is having secure payment anywhere and anytime using your mobile. You can pay to the merchant’s only just using UPI id.

How To Start

  • Download the app from the store and launch it.
  • Scroll and finally click on next button present on the upper right corner. Next, verify the mobile number.
  • Enter your first name and last name. Now, create an app password and create the account.
  • Create the VPA address with xxxx@kotak.
  • On the home screen, you can see options like send money, collect money, scan & pay, bank accounts, beneficiary management, and transaction history.


  • You can set or reset the UPI pin with ease.
  • It has the option to check transaction status that lets you know whether the money is sent or not.
  • If you have any issue, you can raise a query and it gets resolved as early as possible.
  • You can send, receive, or collect money using UPI ID.
  • It allows you to link all your bank accounts and VPA (Virtual Payment Address).

Rating: 3.6 / 5 stars from 2,000 ratings

App Size: 8.53 MB

Available On: Android

Wrapping It Up

The top 10 best UPI apps are available on the online mobile store market. If you have any queries or doubts regarding UPI apps, connect in the comment section. We will get back to you at the earliest possible.


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