UPI has completely changed how we make payments in India. Whether it’s splitting a bill, paying for groceries, or sending money to friends, UPI makes it fast, secure, and simple.
But with so many apps available: PhonePe, Google Pay, Paytm, BHIM, and more, it’s hard to decide which one to use.
In this guide, we’ll break down the best UPI apps in India in 2025, ranking them based on features, safety, ease of use, and charges so you can choose the one that suits your needs.
What is UPI?
UPI (Unified Payments Interface) is a system developed by NPCI (National Payments Corporation of India) that allows instant money transfer between bank accounts using your mobile phone.
All you need is a UPI ID and a smartphone. No need to remember bank account numbers or IFSC codes.
Quick Overview: Top UPI Apps Ranked
| Rank | App | Best For |
| 1 | PhonePe | Overall features and user experience |
| 2 | Google Pay | Clean UI and cashback offers |
| 3 | Paytm | Wide utility payments and wallets |
| 4 | BHIM | Government-backed and basic use |
| 5 | Amazon Pay | Integrated with Amazon shopping |
| 6 | CRED Pay | UPI for credit card users |
| 7 | Mobikwik | Recharge and bill payments |
Let’s explore each one in detail.
1. PhonePe – Best Overall UPI App
Why it’s great:
PhonePe is one of the most used UPI apps in India. It offers seamless payments, bill splitting, mobile recharges, mutual fund investments, and even insurance.
Top Features:
- Fast and reliable UPI payments
- Recharge, electricity, DTH, and broadband payments
- Gold purchase and investment options
- QR code scanning for merchants
- Easy wallet-to-bank transfers
Safety:
Strong security with MPIN, OTP verification, and fraud alerts.
Charges:
Free for all UPI transfers.
Best For:
Anyone looking for an all-in-one payment and finance app.
2. Google Pay (GPay) – Best UI and Rewards
Why it’s great:
Google Pay has a clean, minimalist design and is incredibly easy to use, especially for new users.
Top Features:
- Fast UPI transfers directly from bank
- Cashback scratch cards and seasonal offers
- Bill payments and recharges
- Easy integration with Google accounts
Safety:
Built-in fraud detection, app lock support, and bank-grade security.
Charges:
No charges for UPI payments.
Best For:
People who prefer a smooth and clean app experience with rewards.
3. Paytm – Best for Utility Payments
Why it’s great:
Paytm started as a wallet app but now supports full UPI features. It’s great for utility bills, shopping, and more.
Top Features:
- UPI payments and wallet use
- Metro card recharge, FASTag, train/bus ticket booking
- Insurance and gold investment
- Paytm Postpaid option for credit
Safety:
Trusted by millions, but some users report more promotional notifications.
Charges:
UPI payments are free. Wallet-to-bank transfers may attract charges.
Best For:
Users who want both UPI and a full-service wallet.
4. BHIM – Best for Simplicity and Government Support
Why it’s great:
BHIM is the official UPI app from the Government of India. It’s simple, light, and secure.
Top Features:
- Basic UPI transfers
- Request money feature
- QR code payments
- Supports multiple languages
Safety:
Highly secure with no frills. Ideal for those who want a basic app without distractions.
Charges:
Free for all UPI payments.
Best For:
People who want a minimal and trusted app with no ads or extras.
5. Amazon Pay – Best for Amazon Users
Why it’s great:
Amazon Pay integrates with your Amazon account and supports UPI payments. It’s handy if you frequently shop on Amazon.
Top Features:
- UPI payments and refunds
- Bill payments and recharges
- Fast checkout on Amazon purchases
- Regular cashback offers
Safety:
Amazon-grade encryption and secure UPI linking.
Charges:
Free UPI transfers.
Best For:
Amazon shoppers who want a payment app integrated with their purchases.
6. CRED Pay – Best for Credit Card Payments
Why it’s great:
CRED Pay allows you to pay via UPI while managing credit card payments, rewards, and offers.
Top Features:
- Credit card bill payments
- UPI for purchases on CRED partner sites
- Cashback and reward points
Safety:
High-level encryption and verification systems.
Charges:
UPI is free. CRED offers additional features which are optional.
Best For:
People who use credit cards and want premium features.
7. Mobikwik – Best for Recharge and Wallet Users
Why it’s great:
Mobikwik is useful for quick recharges, bill payments, and basic UPI needs.
Top Features:
- Recharge and bill pay
- Wallet for quick payments
- BNPL (Buy Now, Pay Later) services
- UPI transfers
Safety:
Good security, but interface is slightly dated compared to top players.
Charges:
Free for UPI. Wallet withdrawals may incur charges.
Best For:
Users who still use wallets for small transactions.
Important Safety Tips for Using UPI Apps
- Never share your UPI PIN with anyone
- Don’t click on unknown links or scan suspicious QR codes
- Always verify the UPI ID before sending money
- Use app locks or phone biometric protection
- Regularly check transaction history to spot any unusual activity
Final Verdict: Which UPI App Should You Use?
| Use Case | Recommended App |
| Best all-in-one option | PhonePe |
| Best user experience | Google Pay |
| Best for utility and ticket payments | Paytm |
| Best government-backed app | BHIM |
| Best for Amazon shoppers | Amazon Pay |
| Best for credit card users | CRED Pay |
| Best for wallet lovers | Mobikwik |
If you’re new to UPI, start with PhonePe or Google Pay. They’re the most user-friendly and widely accepted. If you’re a privacy-conscious person, BHIM is a clean and secure option backed by the government.
Frequently Asked Questions
Q. Are UPI apps safe to use?
Yes, as long as you use trusted apps and follow safety practices.
Q. Are there any charges for UPI transfers?
No. UPI transfers are free for individuals in most cases.
Q. Can I use more than one UPI app with the same bank account?
Yes, you can link the same bank account to multiple UPI apps using different UPI IDs.
Q. What happens if I send money to the wrong person?
You need to contact your bank or the recipient. Always double-check the UPI ID before sending.
If this guide helped you, share it with your friends or family who are looking to simplify their digital payments.
