Top 5 Best UPI Apps in India in 2022!
Which are the Best 5 UPI apps in India in 2022

Top 5 Best UPI Apps in India in 2022! Can you guess

Here Is list of 5 Best UPI Apps in India in 2022: With the return of PM Modi 2.0 in 2019, digital India has continued to make new progress. UPI payments have played a big role in this movement. Moreover, the nationwide lockdown due to COVID-19 in 2020, led to a massive increase in the number of people opting for online financial payments.

In this time period, the value of UPI transactions soared by 105 percent in 2020. In this article, we will discuss the best UPI Apps in India for easy and fast transactions. But, before we start, let’s first understand what exactly is a UPI? UPI means Unified Payments Interface. UPI payments have taken a substantial march ahead and nowadays, the mobile app store is flooded with new and innovative UPI apps in India.

Briefing about UPI, it is an instant real-time payment system developed by NPCI which stands for National Payments Corporation of India which helps in inter-bank transactions by instantly transferring funds between two bank accounts on a mobile or web platform. Because of this advancement in UPI payments, money can now be sent to anyone across the nation within no time.

Anyway, not all apps listed on the play store are equally good for making UPI payments. Many times, the interface of some of these UPI apps in India may be hard to understand initially. Therefore, in this post, we have handpicked the best UPI apps in India that are easiest to use and definitely worth checking out.

PhonePe stands first in our list of best UPI apps in India. It is a revolutionary app that made the Indian population start trusting and moreover making online mobile payments. PhonePe not only helps in making UPI payments but users can also recharge, make online bill payments, order food, shop, etc. all in just one app. As of November 2020, Phonepe has 868.40 million transactions in volume with Rs 1,75,453.85 Cr in transaction value.

PhonePe also provides various offers, rewards, and cashback to its customers. Having one of the simplest interfaces with the safest and fastest online payment experience in India, PhonePe is definitely one of the best payment app in India and better than most of the other UPI payment apps or internet banking services.

Download PhonePe (Android | iOS)

Google Pay, formerly known as Tez App, stands the biggest and best app in our list of best UPI apps in India. This app has accumulated a huge customer base in India within a small time frame. And obviously, having a big brand name of ‘Google’ has helped this app to build trust among the new and existing customers.

As of November 2020, Google pay has 960.02 million transactions in volume with Rs 1,61,418.19 Cr in transaction value. Using Google Pay, users can send money to friends, pay their bills, shop online, recharge, or pay at the nearby café, etc. through secure payment by Google.

Another most enjoyable part of using Google Pay is the “Scratch cards”. Whenever the users make a new transaction, they are awarded a gift card in the form of a scratch card. After scratching the card, users can earn a gift in the form of money which directly gets credited into the registered bank account.

Anyways, you won’t earn a Scratch card on every transaction as there are a minimum value and number of transactions predefined by the app. However, if you’re lucky, you may get a reward of up to Rs 1 lakh.

Download Google Pay (Android | iOS)

Paytm is a quite well-known mobile payment app in India. Along with Paytm Mall, it also offers Paytm Wallet and Paytm UPI (which was introduced in the year 2017). In simple words, we can call it a mega store due to the variety of products and services provided by this app.

Paytm users can perform almost each and every activity related to online payments on its app. And that’s why it is certainly the most used payment app and is third in our list of best UPI apps in India. As of November 2020, Paytm has 260.09 million transactions in volume with Rs 28,986.93 Cr in transaction value.

From making online Payments to buying household items, groceries, IRCTC train ticket booking, bus & flight booking, movie tickets, LIC premium payment, metro card recharge, buying gold, making loan payments, paying e-challans & more, everything can be done on this app.

Download Paytm (Android | iOS)


As of November 2020, Amazon pay is the fourth biggest app used for making UPI transactions. Amazon pay got 37.15 million transactions in volume with Rs 3,624.51 Cr in transaction value in this month.

Having the big brand of Amazon definitely helped Amazon Pay to scale at such a fast pace in India within a small time frame. Moreover, having integrated with most shopping and payment gateways, along with awesome cashback rewards, Amazon pay has become the darling of the UPI payers lately.

Download Amazon Pay (within Amazon app) (Android | iOS)

BHIM app is the fifth most popular UPI apps in India. It is launched and managed by National Payments Corporation of India (NPCI), BHIM (Bharat Interface for Money) is a UPI enabled the initiative to facilitate safe, easy & instant digital payments through your mobile phone.

As of November 2020, BHIM App has 0.31 million transactions in volume with Rs 13.87 Cr in transaction value.

Download BHIM (Android | iOS)


Freecharge is another online payment mobile app in India that provides features like Mobile Recharges, bill payments, sending or receiving money through UPI– after creating BHIM UPI ID & linking the bank account. Moreover, because of its simple interface, everything seems quite easy for making UPI payments.

Besides, the Freecharge app also provides the facility to invest in Mutual Funds, making investments with SIPs, booking movie tickets, buying food, shopping, purchasing travel tickets, etc, and that too with an additional cashback and discounts.

Download Freecharge (AndroidiOS)


HDFC Bank PayZapp is the fifth app in our list of best payment app in India. It is a complete payment solution giving you the power to pay in just One Click.

PayZapp is used to make online Recharge, Bill Payments, BharatQR Payments, book travel tickets, Shopping, obtain movie tickets, buying groceries, and more. It supports payment by mVisa QR, MasterPass QR, and Rupay QR and is available to customers of all banks. Overall, PayZapp is a convenient, fast, and secure UPI payments apps in India and definitely worth checking out.

Download PayZapp (Android | iOS)

Here are a few other notable UPI apps in India that you can check out:

Download Mobikwik (Android | iOS)

Download BHIM SBI Pay (Android | iOS)

Download Kotak – 811 (Android | iOS)

Download Pockets ICICI (Android | iOS)

Download WhatsApp Pay (Android | iOS)

That’s all for this post. Let us know which one is your favorite UPI payment app in India in the comment section below. Have a great day. Cheers!

PhonePe is the best UPI app that is available in India in terms of total UPI transaction volume and usage. On Dec 21, Phonepe had total UPI transactions of Rs 3,94,566 Cr.  Further, it has a simple interface, is widely used, and is pretty safe too. There are a variety of transactions that can be completed with the help of the Phonepe UPI app and it offers various rewards and cashback to its customers.

According to the latest UPI transaction value of December 21, the best UPI payment app in India are Phonepe (Rs 3,94,566 Cr), Google Pay (Rs 3,02,990 Cr), Paytm (Rs 88,094 Cr), Cred (Rs 13,817 Cr), and ICICI Bank (Rs 8,922 Cr).

As per a report by the Ministry of Electronics and Information Technology (MeitY), the Paytm Payments Banks has secured the first position among top UPI Bank Performance with a higher UIP transaction rate. Paytm had a transaction volume of 926.17 million in Dec’21 and an approved rate of 98.79%. It is followed by the State Bank of India with a total volume of 664.89 million and 92.80% approved. Among others are Yes Bank 486.44 million volume, and ICICI Bank – 389.47 million transaction volume.

Yes, UPI is safe to use. All UPI platforms have to follow the guidelines that are set by the RBI. UPI is safe, but users need to verify whom they are sending payment to, keep their UPI pin confidential, and check the SMS received upon completing a transaction successfully. If there is an issue, users can contact the customer service of the platform that they are using.

PhonePe, Google pay, PayTm, BHIM UPI, Amazon Pay are the best ones among the safest UPI payment apps in India.

Both PhonePe and Google Pay are equally safe and follow the RBI guidelines for UPI payment. However, Phonepe has more UPI transactions and success rates. Furthermore, it also depends on the application consent that you give and the terms and conditions. You could limit the consent or permissions that you’ve given to an app if something troubles you.

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