List of 7 Best UPI Apps 2022 | Top Android, iOS UPI App for Online Payment

List of Best UPI Apps |iOS UPI App for Online Payment | What is UPI App And How It Works | Top Seven Best UPI Apps in India

The National Payments Corporation of India (NPCI) has created UPI (Unified Payments Interface), an immediate real-time payment system. Inter-bank transfers are made easier via the Unified Payments Interface. RBI (Reserve Bank of India, India’s central bank) regulates the interface. You will learn about the Best UPI Apps in India in 2022 in this article.

Best UPI Apps

On a mobile phone, you can rapidly transfer funds between two bank accounts. After India’s demonetization, digital payments are expanding every day. Do you want to know which UPI app offers the best payback in 2022? Most effective UPI app? Which UPI app offers money back? Which UPI app offers the most cashback? Then read the article below to get the answers to these questions.

About UPI

(UPI) is an acronym for “Unified Payment Interface.” It’s a mobile payment system with a single-window interface that brings together various banking features and services under one roof. This platform enables funds to be transferred immediately from one bank account to another via a mobile phone. Only a mobile device can be used to make real-time payments. UPI may be used to send money 24 hours a day, seven days a week.

Top Seven Best UPI Apps in India 2022

With so many UPI apps accessible in India, deciding on the best UPI app for India in 2022 can be difficult. We’ve produced a list of the top 7 best UPI apps in India to save you time.

UPI’s Advantages

The following are some of the advantages of using the Unified Payment Interface:

  • It is a quick and easy way to transfer money.
  • Money can be transferred at any time and from any location.
  • You can use a single app to manage many bank accounts.
  • There is no need to submit the account number, IFSC code, or other payment information.
  • Transactions must be completed with a cellphone number or a UPI ID.
  • Payment of your utility bills is simple.
  • There will be no transaction fee.
  • Funds transfer in real time.

UPI Transaction without Internet

Best UPI Apps Rating

UPI ApplicationRating on Google Play StoreRating on Apple App Store
Google Pay4.14.3
BHIMSBI Pay4.23.8
BHIM App4.24.3
Amazon Pay4.44.6

Top Android, iOS UPI App for Online Payment

Google Pay

Google Pay- Best UPI Apps

In India 2021, Google Pay, formerly known as Tez, is one of the greatest payment apps. Google Pay is merely a UPI application that does not include a wallet. Google Pay allows you to send and receive money quickly and easily. It is the greatest UPI cashback app and one of the most popular money transfers. As a result, it has surpassed many other payment apps, such as Paytm and PhonePe.It has a unique property in that it may be used in Hindi, Gujarati, Bengali, Tamil, Kannada, Telugu, and Marathi, among other Indian languages.

  • Earn scratch cards by using Google Pay to make payments or purchases.
  • It necessitates authentication for each and every payment.
  • Look for restaurants in the area.
  • Instead of your card number, it displays a unique Virtual Account number at the moment of payment.
  • Payments with QR code
  • For added security, the screen can be locked.


PhonePe- Best UPI Apps

PhonePe has been named one of the top five best UPI applications in India for the year 2021. It is an Indian company created by Burzin Engineer, Rahul Chari, and Sameer Nigam in December 2015. This is also one of the top cashback UPI apps. It has over 293 million registered users and is accepted in over 11,000 locations. Payments are accepted in over 19 million stores, websites, and apps. Using UPI ID, you may easily transfer money from your bank account to your Phonepe wallet and vice versa. On PhonePe, you can spend up to Rs.1 lakh for each transaction.

  • Send and receive money
  • Transferring money from an app to a bank account and vice versa
  • Checking your bank account balance
  • Access to a wallet
  • Option to pay with a credit or debit card
  • Payments through QR code


Paytm- Best UPI Apps

Paytm is the most popular and best UPI app in 2021. One97 communication limited owns Paytm, an Indian company. Vijay Shekhar Sharma launched the company in 2009. Its headquarters are in Noida, Uttar Pradesh. Paytm began simply as a mobile wallet, but as time went on, more and more functions were added. Paytm has now surpassed ICICI Bank as India’s largest digital bank. This software allows you to purchase theater tickets as well as invest in gold and mutual funds.

  • Receive and also pay funds
  • Recharge your DTH
  • Access to a wallet
  • Reservations for gasoline
  • Scanning QR codes
  • Mobile phone recharging
  • Payment of bills
  • Tickets for travel
  • Loans


BHIM App- Best UPI Apps

BHIM (Bharat Interface for Money) is an Indian application. This app was created by the National Payments Corporation of India (NPCI) (National Payments Corporation of India). It’s a Unified Payments Interface-based mobile payment app. On December 30, 2016, BHIM was introduced. This application is really simple to use.

BHIM is open to anyone with a bank account. You may send money to friends and relatives, as well as make payments at stores and online. Because it is an Indian government application, BHIM is quite safe to use.

  • Sending and receiving money
  • Scan the QR code and pay with it.
  • Use the account number and IFSC code to transmit money.
  • Bill Payments
  • Mobile phone recharging
  • Purchase plane tickets
  • Use a screen lock for safety.

Amazon Pay

Amazon Pay

One of the most rewarding UPI apps is Amazon Pay. This top UPI app provides a lot of cashback and discounts. Amazon Pay is an online payment processing business that Amazon owns. As a result, Amazon Pay was able to gather a lot of traction in a short amount of time. Amazon Pay does not have its own specialized application. The Amazon Shopping app has a feature called Unified Payment Interface. Funds transfer, bill payments, recharge, gift cards, and more functions are available through Amazon Pay. Amazon Pay is a safe and secure method of payment.

  • Receive and send payments
  • There are a lot of cashback rewards available.
  • Mobile phone recharging
  • Payment of bills
  • Insurance, travel, and more
  • Gift certificates
  • Scanning QR codes



One of the greatest BHIM UPI apps for fund transfers is BHIMSBI Pay. It was created by the State Bank of India, which has an excellent reputation in the market. For managing Unified Payment Interface requirements, SBI has developed this app for Android and iOS users. This application has a simple UI that makes it simple to use even for new users. You can effortlessly transfer and manage your funds with this app. BHIMSBI provides numerous incentives and rebates, making it an excellent pick. You may also check the balance of your bank account with only a few clicks.

  • Sending and receiving money is the first step.
  • Recharge your phone
  • Discounts and cashback
  • Payment of the electric bill
  • Perform a balance check
  • Payment of utility bills
  • Ticket reservations

Related SBI Searches



MobiKwik is one of the finest cashback UPI Apps in India since it offers fantastic Supercash discounts. It is a corporation that provides financial services. In the year 2009, it was formed by a couple. MobiKwik includes all of the functionality you’d expect from a good UPI app. MobiKwik has a one-of-a-kind feature: you can acquire a loan of up to Rs.5 lakh without having to fill out any paperwork. You may create your UPI-powered personal payment links with Mobikwik. You can receive money from other Unified Payment Interface apps using this URL.

  • Access to a wallet
  • Payment link for individuals
  • IMPS (International Money Transfer Service)
  • Mutual fund investments
  • Payment of bills
  • Expense manager
  • Insurance 

Best UPI Apps Requirements

To use the UPI system, the bank must have the following information maintained with the account.

  • You should have a mobile number associated with your account.
  • You should be able to use the same phone number.
  • A debit card is also required for UPI registration.

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