HomeFintechBest UPI Apps List in 2024

Best UPI Apps List in 2024




  • We came to know about the UPI Apps List.
  • It is convenient for bill payments and mobile recharges.
  • Take a look to learn more about the key features and benefits of each UPI app. 

Best UPI Apps List in 2024

Unified Payments Interface (UPI) has changed the way of advanced installments in India. UPI makes payments steady and temporary. There are different UPI applications are available, which provide easy digital solutions to users. However, selecting the right UPI app can improve your money-related strategy and regular payments. This blog will present you with information about the top few best UPI apps in India along with their features and advantages.

The emergence of UPI applications has brought a paradigm shift in the manner we manage cash. UPI applications provide a secure, speedy and simple method for completing installments, money exchange, and managing cash. From billing payments to online purchasing and from wire cash to friends to loved ones, UPI applications are making the procedure straightforward and easy. There is a huge number of UPI applications are available in India, in this article, we will see the complete list of UPI apps available in India along with their features and advantages.

What is UPI?

UPI is a real-time payment system designed to facilitate interbank transactions by instantly transferring funds between two bank accounts on a mobile platform. UPI brings together various bank accounts into one mobile application that combines financial aspects such as real-time money control and merchant payments in one cap. It also supports “Peer to Peer” group work which can be planned and paid for at convenience.

Key Highlights of UPI

  • Instant Money Transfer: UPI allows customers to send money immediately from one account to another using a mobile device anytime anywhere 24/7.
  • Instant Money Transfer: Using a mobile device, UPI has facilitated the immediate movement of money across two bank accounts 24×7.
  • Multiple Bank Accounts “: For simpler financial management, customers can add multiple bank accounts in one UPI app.
  • Single Touch Two-Factor Authentication: To make secure transactions, use something you know (PIN) and something you have (your phone).
  • Virtual Payment Address (VPA): Customers can use VPA to make payments instead of sharing their account details for additional safety.
  • Charge Installments and More: Separated from exchanging cash, UPI can be utilized for paying bills, recharging mobiles, booking tickets, and more.

How UPI Works

  • Step 1: Install the UPI app of your bank/third-party provider (Google Pay/ PhonePe/ Paytm).
  • Step 2: Sign up using your mobile no. being associated with your bank account. 
  • Step 3: Add a Virtual Payment Address (VPA) or UPI ID (eg: youname@bankname) to the payment details. 
  • Step 4: Link your bank account(s) to the UPI app 
  • Step 5: Secure UPI Stick for payments. 
  • Step 6: Use the app to transfer money from one account to another, pay bills, or request money using the recipient’s VPA/UPI ID.

Advantages of UPI

  • Convenience: Rearranging installments and swapping them for a couple of touches on the phone.
  • Security: Uses two-factor authentication to eliminate the need for sharing bank information.
  • Interoperability: Works with various banking and financial systems, providing an integrated platform.
  • Cost-Effective: UPI transactions are often free of cost thereby making it a cost-effective option for customers.

List of UPI Apps in India

Google Pay

One of the most popular UPI apps is Google Pay, which is known for being easy to use, having an extensive payment system.


  • Smooth Money Transitions: Instantaneously transfer money by using UPI.
  • Bill Payments: Settle your bills quickly, recharge your mobile, etc.
  • Rewards and Cashback: Earn cash back for making transactions.
  • Security: Different layers of security to save your monetary data.


PhonePe is not just a UPI app because it offers a wide scope of financial services.


  • Multi-bank support: Connect several bank accounts for easy access to your funds.
  • Consumer Bills Payments: Settle utility bills, top-up mobile airtime, and much more.
  • Insurance and Investments: Buying insurance plus investing in mutual funds.
  • Gold Purchase: Buy or sell gold securely through the app.


Paytm integrates UPI payments with various other financial services thus providing a consolidated platform for managing your finances.


  • UPI Payments: Prompt and secure UPI transactions.
  • Wallets and Banking Services: Use Paytm wallet or bank services for other financial needs
  • Bill Payments and Recharges: Conveniently pay bills and recharge your phone.
  • Shopping & Entertainment: Do online shopping as well as book movie tickets and passes to events.

BHIM (Bharat Interface for Money)

The National Payments Corporation of India (NPCI) developed BHIM, a simple and straightforward UPI app designed for ease of use.

Also Read: How to use Google Pay Wallet


  • User-Friendly Interface: Easy to navigate and operate.
  • Fast Transactions: Fast money transfer.
  • Language Support: Supports various Indian languages.
  • High Security: Ensures safe transactions with strong security protocols.

Amazon Pay

Amazon Pay is part of the Amazon shopping app hence it would be advantageous to consumers who already visit the site regularly


  • Easy Payments: Use UPI to send money and make bill payments within seconds.
  • Amazon Integration: Use your Amazon Pay balance while buying on Amazon.in platform
  • Rewards: Get cashback and rewards on each transaction made throughout the year
  • Secure Transactions: Assorted security features that protect your information.


UPI apps have revolutionized digital payments in India, ensuring convenience, safety, and accessibility to customers. Clients can pick the app that best fits their needs and preferences because there are plenty of options like Google Pay, PhonePe, Paytm amongst others. These apps offer an uninterrupted way of transferring money as well as paying bills, recharging mobiles and so on thereby making everyday transactions seamless. UPI has continued to expand and gain popularity thereby becoming a major part of the digital landscape that is playing a significant role in driving cashless transactions within the country.


What is UPI?

Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI) that enables instantaneous transfer of funds between bank accounts via mobile devices.

Which is the finest UPI app in India?

Your choice of the finest UPI app will depend on your specific requirements. The all-rounder ones include Google Pay and PhonePe while Paytm suits those who want integrated financial services.

How do I utilize a UPI app?

To use a UPI app, download it from either the App Store or Google Play; register with your mobile number; link your bank account; and create a UPI Pin. You will be at that point begin making transactions.

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