Just from the occurrence of demonetization in India by our honourable Prime Minister Shree Narendra Modi, we have seen a big spike on the graph which shows us India is slowly adopting the digital transactions and going towards a digital economy. But to go digital, we also need reliable technology so that people don’t think about the security when they transfer money digitally or make payments online. That’s why the Indian government soon introduced Unified Payments Interface (UPI Apps) which allow multiple banks to provide all the necessary options to send and receive money under a single platform.
And at the same time, we saw several private corporations too, who are on the way to launch there own UPI apps, where people can add their bank accounts regardless of whatever bank it is and then transfer funds between any bank accounts seamlessly and fast. But, as there are a lot of UPI apps available in the market now, we are going to tell you the best 7 UPI apps in India for digital payments. So, without any further due, let’s get started!
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7 Best UPI Apps In India For Digital Payments
Below, I will talk about the 7 best UPI apps that are available for use in India to transfer money between different as well as same bank accounts easily using the smartphone. These are the best in terms of their offerings, reliability and user interface. But remember that, all of these apps are based on Unified Payments Interface, so all of these are almost same when it comes to add your bank accounts, create UPI account and transfer funds. And once you are done with creating your own UPI account, you can use any of these apps to access your same UPI account and transfer funds.
BHIM UPI App
This is the first app comes to mind because this app is developed and maintained by NCPI (National Payments Corporation of India) which is a government-owned corporation. So, this is the most trusted UPI app among all. To use this app you need to first link your bank account and then set a UPI PIN. I have personally used this BHIM app too, and I was surprised at how fast it transfers the money, and there are no charges you need to pay for the transactions as of now. But, I also had a bad experience with BHIM app which is, this app may sometime crash or show you just a white screen when you open it. And for this issue, I moved to the next UPI app on our list which is PhonePe.
PhonePe is the easiest to use UPI app available right now, and it is owned by India’s most popular online shopping store Flipkart. It’s easy to use options, and simple user interface gives it an edge over others. This amazing UPI app also provides you with some of the coolest features too. Apart from using the UPI account, you can also recharge your phone, DTH, pay bills online, book movie tickets and do a lot of extra stuff online using this PhonePe app.
This app lets you transfer up to Rs 1 Lakh per transaction in 24 hours. Plus, it also gives you cashback for using its services. And if you are an avid online shopper, then there is good news for you as well. You can avail extra discounts and cash backs if you use your PhonePe wallet balance or use PhonePe to make payments online on the Flipkart website. It also comes in different major Indian languages such as Hindi, Bengali, Tamil, Kannada, Malayalam, Gujarati, Assamese and Marathi. Even more, languages are on the way to be on-boarded with the PhonePe app.
Google has become a symbol of trust for its dominance and amazing user experience in the field of technology. And now, Google has made it’s own UPI platform which is Google Tez. It lets you pay directly from your bank account. You can conveniently pay bills for DTH, utilities; mobile recharges, data cards, broadband, electricity and many more. It also comes with Cash mode which is used to send money to nearby peoples without having their details. Apart from that, Google Tez app also provides Tez Scratch cards by which, you can win up to Rs 1,000 on eligible money transfers. Initially, it also offered it’s users Rs 51 for referring friends and who installed via someone’s referral also got Rs 51 as sign up bonus. So, overall, Google Tez app is a great UPI app with lots of amazing and unique features.
SBI Pay UPI App
SBI Pay is a UPI app developed and launched by the State Bank of India. This UPI app also offers all the basic functions of UPI which are offered by other UPI apps. But, additionally, with SBI Pay app, you will get local deals. It will notify you about the latest deals available across your city. You may end up getting a good discount on buffets, spa and salons, weekend activities and many more services available to you.
Axis Pay UPI App
This app is very similar to the previous app. The Axis Bank Limited has introduced this app. Axis Pay offers the basic UPI functions too. There are no additional features which are not available in other apps. You can send/receive money, recharge your mobile, DTH, data card, broadband, pay your electricity, gas bills, etc.
Chillr UPI App
This app is again by a private corporation which is solely focused on the UPI system. Some of the features of this UPI app are safe money transfers, multiple language support, split your bills, utility bill payments and recharges, view bank account balance, transaction statements, store payments, unified payment interface and immediate payment service (IMPS). It also ensures the best security possible while you are transferring your money using Chillr UPI app.
Pockets UPI App
This is very similar to the Chillr app. ICICI Bank Limited develops pockets app. You can shop anywhere using Pockets UPI app using it as a VISA card. It also provides you different options for payments such as UPI, NFC, Touch & Pay, mVISA and Bharat QR Code. This amazing UPI app also comes with several special deals which you can see inside the Pockets UPI app.
So, these were the 7 best UPI apps available in India for digital payments. If you have any query regarding the same, please leave in the comments section below.