10 Best UPI Apps in India 2024
Unified Payments Interface (UPI) has revolutionized the payment industry in India since its launch in 2016. Developed by the National Payments Corporation of India (NPCI), UPI has emerged as a powerful tool enabling seamless, instant, and secure money transfers. Today, it powers everything from peer-to-peer (P2P) payments to merchant transactions, making it an indispensable part of India’s digital economy.
The convenience of linking multiple bank accounts, QR code scanning, and rewards programs make UPI apps an essential tool for modern financial management. Moreover, the increasing adoption of UPI among businesses has amplified its utility, as users can now pay bills, recharge phones, and even shop online—all within a single app.
According to reports, UPI transactions crossed 10 billion monthly transactions in 2024, with over 350 million active users! With such staggering numbers, it’s clear that UPI apps are at the forefront of digital innovation. But how do you choose the best app for your needs?
Let’s unravel the features, benefits, and unique aspects of the top 10 UPI apps in India 2024 and why they’re the preferred choice for millions of users.
Best UPI Apps in India 2024
| App Name | Key Features | Best For | Unique Selling Point |
|---|---|---|---|
| Google Pay | Simple interface, fast UPI transactions | Everyday payments | Cashback and rewards programs |
| PhonePe | Business payments, request money feature | Business owners | QR code support for merchants |
| Paytm | Long-standing brand, utility bill payments | Versatile usage | Additional wallet feature |
| Amazon Pay | Online shopping, bill payments | Online shoppers | Exclusive Amazon discounts |
| Jupiter | Savings account integration, rewards | Budget-conscious users | Expense tracking features |
| Fi Money | UPI payments, savings account | Young professionals | AI-driven financial insights |
| Pop UPI | Partner brand offers, UPI rewards | Offer-seekers | Unique partner brand promotions |
| MobiKwik | Credit solutions, UPI payments | Credit seekers | Pay Later options |
| BHIM | Personal transactions, direct bank linkage | Simplicity seekers | Government-backed security |
| ICICI iMobile Pay | Comprehensive banking and UPI | Bank-integrated experience | One-stop banking app |
| BharatPe | Merchant-centric features, loans | Small businesses | Business-centric solutions |
10 Best UPI Apps in India 2024
1. Google Pay: Simplifying UPI Transactions with Rewards
Google Pay, one of the most popular UPI apps, is known for its seamless user experience and robust security. Its rewards system, offering scratch cards and cashback, makes it a favorite among users.
Key Features
- Instant UPI transfers.
- Wide acceptance across merchants.
- QR code scanning for easy payments.
- Rewards for transactions.
Why Choose Google Pay?
Google Pay’s simplicity and trustworthiness are unmatched. Whether paying friends, businesses, or utility bills, it’s the go-to app for millions.
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2. PhonePe: A Comprehensive Solution for Payments and Beyond
PhonePe combines UPI payments with services like investments, insurance, and business solutions. It’s versatile and user-friendly.
Key Features
- UPI transfers in multiple languages.
- Merchant-friendly QR code systems.
- Investment options for mutual funds and insurance.
- Request money feature.
Why Choose PhonePe?
Perfect for both individuals and businesses, PhonePe ensures reliability and ease of use.
3. Paytm: The Veteran in Digital Payments
Paytm has been a staple in India’s digital payment space for over a decade, evolving into a multi-functional app.
Key Features
- Integrated wallet and UPI services.
- Loan and credit options.
- Ticket booking for travel and entertainment.
- Investment tools like stocks and gold.
Why Choose Paytm?
Its versatility and reliability make Paytm a household name for digital transactions.
4. Amazon Pay: Ideal for Online Shoppers
Amazon Pay offers a seamless payment experience, especially for those regularly shopping on Amazon.
Key Features
- Pay utility bills and recharge phones.
- Rewards and cashback for Amazon users.
- Hassle-free UPI transactions.
Why Choose Amazon Pay?
It integrates perfectly with Amazon shopping, making payments quick and rewarding.
5. Jupiter: A Modern Banking Experience
Jupiter combines UPI functionality with savings accounts and expense tracking, making it ideal for budget-conscious users.
Key Features
- AI-driven financial insights.
- Reward programs for transactions.
- Easy UPI payments and QR scanning.
Why Choose Jupiter?
Its intuitive design and expense tracking features make it ideal for modern users.
6. Fi Money: Financial Intelligence at Its Best
Fi Money offers a blend of UPI and financial management tools, perfect for young professionals.
Key Features
- AI-based expense insights.
- Rewards for achieving financial goals.
- UPI and savings account integration.
Why Choose Fi Money?
Fi Money’s intelligent financial tools make managing money a breeze.
7. Pop UPI: Offers and Rewards Galore
Pop UPI focuses on delivering value through partner brand offers and exciting rewards.
Key Features
- Exclusive brand promotions.
- Instant UPI transfers.
- User-friendly design.
Why Choose Pop UPI?
Its rewards ecosystem is unmatched, making it a favorite among offer-seekers.
8. MobiKwik: Perfect for Credit Seekers
MobiKwik offers UPI payments alongside credit solutions, catering to those needing flexible payment options.
Key Features
- “Buy Now, Pay Later” feature.
- Easy UPI transactions.
- Quick loan approvals.
Why Choose MobiKwik?
It’s perfect for users seeking credit alongside UPI convenience.
9. BHIM: Government-Backed Simplicity
BHIM, developed by NPCI, is a straightforward app emphasizing secure transactions.
Key Features
- Direct bank integration.
- Simple and lightweight design.
- Highly secure transactions.
Why Choose BHIM?
For those valuing simplicity and security, BHIM is the go-to app.
10. ICICI iMobile Pay: Comprehensive Banking and Payments
ICICI Bank’s iMobile Pay blends banking services with UPI payments for an all-in-one experience.
Key Features
- Instant UPI and account management.
- Bill payments and loan services.
- Comprehensive banking features.
Why Choose iMobile Pay?
Its integration of banking and UPI makes it a favorite among ICICI customers.
11. BharatPe: A Merchant’s Best Friend
BharatPe offers UPI and a range of services tailored for small businesses and merchants.
Key Features
- Instant QR-based payments.
- Loan offerings for merchants.
- Utility and bill payment features.
Why Choose BharatPe?
Small businesses thrive with BharatPe’s robust features and support.
FAQs
- What is the safest UPI app in India?
All UPI apps are secure, but BHIM and Google Pay are highly trusted for their encryption and government backing. - Which UPI app is best for rewards?
Google Pay and PhonePe are known for offering cashback and exciting rewards. - Can I use multiple UPI apps on one device?
Yes, you can use multiple apps as long as they are linked to different UPI IDs. - Which app is best for small businesses?
BharatPe and PhonePe provide excellent merchant-centric features. - Are UPI payments free?
Yes, UPI transactions are generally free for users. - Which app offers the best customer support?
Paytm and Google Pay are known for responsive and reliable customer support. - Can I use UPI internationally?
UPI is mainly for domestic transactions, but some apps like Paytm offer limited international functionality. - What is the transaction limit for UPI apps?
The typical daily limit is ₹1 lakh, though it can vary depending on your bank. - Do I need a bank account to use UPI?
Yes, a bank account linked with a mobile number is mandatory for UPI. - Which UPI app has the most users in India?
Google Pay and PhonePe lead in user numbers due to their extensive features and user trust.
Conclusion
The rise of UPI has made digital payments seamless and secure for millions across India. Choosing the right UPI app depends on your specific needs—whether it’s rewards, business features, or simplicity.
From Google Pay’s rewards to BharatPe’s merchant-friendly features, each app has unique strengths. Explore the options above and pick the one that aligns with your lifestyle or business goals.