Top 15 Best UPI Apps (Android/iPhone) 2023

After demonetization in India in December 2016, India wanted a cashless way of monetary transactions. UPI came as a revolution in cashless transactions. There is no need to carry your debit or credit card or any cash amount. Everything is on your phone. Just a single tap, and your payment completes. Here we bring you the best UPI Apps Android/ iPhone 2023.

 Best UPI Apps Android & iPhone



Best UPI Apps Android & iPhone

Paytm is the best UPI App Android/ iPhone 2023 and is the most popular digital wallet and UPI app in India and is accepted by the most number of merchants. It has the highest number of features. Paytm can be used as Online Payments App, a mobile recharge app. For postpaid& utility bill payments, bus & flight booking, electricity bill payment, UPI payments, DTH recharges, IRCTC train ticket booking, online shopping, movie tickets, LIC premium payment, bank to bank money transfer, metro card recharge, buying gold, making loan payments, paying e-challans& more. Paytm Payments Bank allows you to score interest on the money you have kept in your wallet. PaytmPostpaid is another feature added recently which functions similar to credit cards. You can buy things and pay later for them, just like credit cards.


Best UPI Apps Android & iPhone

PhonePe is another best UPI App Android/ iPhone 2023 and is one of the leading UPI apps in India. PhonePe is a subsidiary of Flipkart. And recently, Walmart became the owner of Flipkart. That is why Flipkart was among the first websites to support PhonePe transactions. With this app, you can transact up to Rs.1 lakh per transaction, 24*7. You can get instant refunds and cashbacks from partner merchants into your PhonePe wallet. Cashback cannot be withdrawn. You are allowed to redeem cashback for mobile recharges, bill payments and used it for merchant payments where PhonePe has been integrated as a payment option. Phonepe Provides One-click payments using your PhonePe account at any of the merchant partner locations. It can transact in the language of your choice. English, Hindi, Tamil, Bengali, Telugu, Kannada, Malayalam, Assamese, Gujarati, and Marathi.



UltraCash UPI Payments App uses Audio NFC Technology. With this app, you are allowed to pay your bills just by simply connecting your smartphone with another NFC device. Why UltraCash? With this app, you can pay without the Internet using UltraCash’s patent-pending Audio NFC technology. You can save upto 40% on Recharges with Recommended packs & subscribe to multiple packs with a single tap in ultrafast. You can also recharge Mobile, DTH, or pay Utility bill payments such as BESCOM, BSNL Landline, etc. In ultra cash, there is no need to enter an account number and transfer money. No IFSC is needed in Ultrafast.




It is just a UPI app and doesn’t have a wallet. But you can pay for almost every transaction which supports UPI. You can Pay and receive money directly from your bank account. There’s no need to worry about reloading wallets, and In Google Pay, you don’t need to do additional KYC. It provides multiple layers of security from your bank, UPI, and Google. Even those without having Google Pay Starting a payment is as simple as starting a new conversation with someone in your Google Pay contacts or entering anyone’s UPI id or bank details U can get Google Pay Scratch Cards (TM) and get a chance of winning up to ₹1,000 with each eligible transaction. Chat and Request Payment—This is another unique Google Pay feature that lets you chat with the recipient before any transactions. Users can also request payment. Using this feature, you can also send an invoice before requesting the payment. The other party is also allowed to inquire if required.

 Bhim Axis Pay UPI

Best UPI Apps Android & iPhone

This is one of the best UPI apps, iPhone 2023, and With this app, you can explore all local deals in one place. You can get notifications of the latest deals. You can get discounts on Buffets, Spa & salons, weekend activities & more. You can Toggle between Consumer & Merchant modes. With this app, you can collect payments as a Merchant, or you can also make payments as a Consumer by simply using the toggle switch from the Menu icon at the top left.

HSBD Simple Pay

Best UPI Apps iPhone

You can make fund transfers, recharge mobile, pay bills and invest as well. You can buy insurance on this app, the best platform to buy insurance. They give you the best term life insurance, cyber insurance & best accidental insurance plan.


 Best UPI Apps Android & iPhone

Go cashless with this app and with it, you can Pay directly through your bank accounts or add money to wallet & simply scan QR codes at nearby stores for sabse tez payments by simply linking to UPI. This will gives you the facility of the wallet as well. You can keep money in the bank Wallet for faster transactions.


 Best UPI Apps Android & iPhone

With BHIM, your smartphone becomes your bank. It is a great initiative to enable secure, fast, reliable, and cashless payments through your mobile phone. Fund transfers by BHIM are done both via VPA or QR code. You can also block a user in BHIM

Pockets by ICICI Bank

Best UPI Apps Android & iPhone

It protects your money with a world-class security system that helps detect fraud and prevent hacking. With this app, you each transaction will be secured with your UPI PIN, and you will also get power to safeguard your account with a device-lock method, such as your fingerprint. U can Pay anyone.


Best UPI Apps Android & iPhone

MobiKwik isn’t an app flooded with features like Paytm, but it has its own set of valuable features. With this app, you will also get the Life Insurance feature and buy life insurance powered by ICICI Lombard &Aegon Life. This app will also offer you Accidental Insurance, and you can Buy personal accidental Insurance on MobiKwik. Accidental Insurance begins from Rs 20 & provides cover options of 5 lac. It also secures you with cyber Insurance, and you can Secure your online transactions with MobiKwik beginning from Rs 99. It’s against cyber fraud & cyber theft. It also has the feature of MUTUAL FUND. They have mutual funds, offering you a simple way of investment. Invest in ELSS, SIP. They give 10% higher returns than FD. This app will also provide you the feature of DIGITAL GOLD. You can buy digital gold on MobiKwik. You are also allowed to sell your digital gold Caratlane to buy gold jewelry. You can also trade Gold in MobiKwik. This app will keep your perfect EXPENSE MANAGER Track, and in this app, All your expenses & get expense summary on a daily, monthly & weekly basis from your SMS data. This app will offer you a SMALL AND INSTANT PERSONAL Loan. They offer instant personal loans. You get easy loans and instant cash loans. So now you can avail small loans via this instant personal loan app for all your need


Best UPI Apps Android & iPhone

State Bank of India has designed this app which is specially launched for managing UPI requirements. It should be noted that, the prime advantage of SBI Pay is focused on its usage. Candidates who don’t even possess an account with SBI can access the app for sending and receiving money via VPA.


Best UPI Apps Android & iPhone

In BOB UPI App, you can transfer money to any VPA or bank account number. Along with this, you can also transfer funds to an aAadhaar number and mobile number. Baroda MPay is easy to use, but it is also stylish in its design with a white and orange theme. Customers of Bank of Baroda and other banks can enjoy this interface for carrying out banking services on their android mobiles. In This app, fund transfers are instant, 24*7, 365 days and free of cost, and take place in a completely safe and secure way.



It gives all retailers, shopkeepers, shop owners, professionals, service providers, SMEs to start accepting customer payments from anyone, anywhere, in real-time. Bharat has a Smart Accounting feature called ‘Invoices’ that manage your Supplier & Buyer Invoices & Payments in 1 place. It has 2-Way Sync that ensures both your & your Suppliers’ books are updated in real-time. It is Free–Zero Commission, No MDR on BHARATPE transactions. From any Payment App (Paytm, PhonePe, GooglePay, WhatsApp, Amazon Pay & 150+ bank apps). The SMS is automatically marked as Udhar in the BahiKhata against the customer & gets automatically updated when the customer pays. You can also share your business card using WhatsApp to request payments without sharing bank a/c details or IFSC Code.


 Best UPI Apps Android & iPhone

Bharat Interface for Money (BHIM) has been created by NCPI (National Payments Corporation of India). The app is famous because of its simplicity, and it will provide you a protected interface. With BHIM, your smartphone becomes your bank. It is an initiative to enable secure, fast, reliable, and cashless payments through your mobile phone. Fund transfers by BHIM are done both via VPA or QR code. You can also block users in BHIM.


 Best UPI Apps Android & iPhone

Freecharge is also a top-rated UPI money transfer app in India for several cashback and in-app discounts and offers. Axis Bank now acquires this Gurgaon-based Fintech startup. This app is among the highest-rated money transfer UPI app. You can get codes GooglePay code on Freecharge. You can get amazing discounts and cashbacks when you transact using Freecharge.


SO these are best UPI Apps Android/ iPhone 2023 with which you can go for cashless and very easy payment with your UPI wallet. Please like, sahre and comment on which UPI app you like the most!
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