UPI App for Android

UPI (Unified Payments Interface) is an instant real-time payment system which facilitates inter-bank transactions nationwide. Presently, it is one of the most preferred methods for digital money transactions in India. After the shift towards digital payment methods, there are several banks which have merged with UPI to offer the customers a convenient banking experience with just a click of a button. Interestingly, UPI is also provided by different chat platforms, as well as mobile wallets active in India. Several UPI Apps for Android and iOS has been launched to cater to the digital transfer of funds.

Also Read: Unified Payments Interface

Apps with UPI Features in India

UPI payment system is a smart platform through which a user can send & receive funds using Virtual Payment Address (VPA). This implies that the funds will be straightaway debited from the user’s bank account. UPI App is available for both Android and iOS systems. Here is a list of some popular apps that have adopted the UPI system for catering a wide range of customers:

PhonePe

It is one of the most famous payment apps which permit users to manage transactions using the UPI facility. PhonePe was founded in 2015 and is backed up by Yes Bank. You can add funds to your PhonePe wallet using the UPI ID, together with other payment modes, such as net banking, debit/credit card, etc. Moreover, customers are also allowed to initiate money requests via PhonePe with the help of UPI.

Why should you use PhonePe

• It has an easy interface.
• The app can be used to pay to merchants whenever or wherever required.
• Is helpful for transferring funds instantly.
• Facility to recharge and pay bills.
• Earn cashback and rewards while making payments.
• Provides you with SWITCH service by getting all your favourite apps in one place.
• It gives you the facility to explore nearby stores by clicking on stores button.

BHIM App

Bharat Interface for Money or in short, BHIM, has been created by NPCI (National Payments Corporation of India). The app is popular for its simplicity and provides a protected interface. Funds transfers using BHIM are initiated both via VPA and QR code. Also, you can send/receive money with the help of IFSC code and bank account number.

Why should you use BHIM UPI

• As it is a government supported app, it is considered more secure and most reliable cashless payment option.
• The main feature of this app is that it works in a feature phone without internet. To perform this feature, you need to dial *99# from a mobile phone, and this will show a welcome screen with seven options.
• It makes money transfer easy as funds can be transferred using the mobile number.

MobiKwik

Considering the Indian payments system, UPI interface has joined hands with Mobikwik. Hence, all customers possessing this app can use UPI for adding funds to their respective wallets. This app already offers various services like fund transfer with debit/credit card, cash pickup, net banking, and cash deposit.

Why should you use MobiKwik

Users who are interested in cashback and rewards can use Mobikwik as it gives good deals in the form of Supercash on every transaction.

Airtel Payments Bank

Airtel Payments Bank app has actively integrated itself with the UPI system to provide hassle-free digital movement of funds. With the help of this app, the users get to created VPAs, as well as link their respective bank accounts. Furthermore, the prime advantage of Airtel Payments Bank is that you can access payments both online and offline.

Why should you use Airtel Payments Bank

• Airtel users can simply use their Airtel Thanks mobile application and navigate to the Airtel Payments Banks to perform UPI transactions.
• It is like a one stop portal where you can claim your rewards, do recharges, make payments, and manage all your Airtel connections from anywhere, anytime.
• Offers rewards that have been curated to match your needs.

Google Pay

This payment app has been designed by Google, a leading technological giant. With the Google Pay app, customers can access the UPI facility available at their finger touch. The unique feature about Google Pay is the presence of this app in several Indian languages like Telugu, Marathi, Tamil, Gujarati, Bengali, Kannada and Hindi. At present, it is the most commonly used UPI app for Android and iOS.

Why should you use Google Pay

• You can send or receive money without any charges.
• Recharge your phone and pay bills in a tap.
• Shop online or at store via Google Pay.
• Earn rewards and cashbacks on your transactions.

iMobile

You can access the UPI interface via iMobile and Pockets app made available for those having ICICI Bank savings account. Customers can download this app directly from Google Play store. For sending money using iMobile, you simply have to access the ‘Funds Transfer’ preference and select the UPI method.

Why should you use iMobile

• The app helps you to make payments instantly by scanning the QR code and you can send money to any UPI ID, bank account or self.
• It provides you banking at your fingertips.
• Apply personalised debit card through iMobile.
• Check status of all your pending transactions via this app.
• The application can be used to book tickets directly to any destination via trains, flight or bus.
• You can pay taxes in advance via iMobile.

Also Read: ICICI Bank UPI

Axis Pay

Axis bank users, as well as non-axis bank holders can use the service of Axis Pay app. With this application, users can process fund transfers quicky. There is no need for loading or adding money on the app as it enables the users to directly use their VPAs and send money through UPI.

Why should you use Axis Pay

• You can make easy and hassle-free payments.
• The app can be accessed 24×7 and 365 days round the clock.
• There is no transaction fee on fund transfers.

Read in Detail: Axis Bank UPI

SBI Pay

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

Why should you use SBI Pay

• Provides the flexibility of making payments at your convenience.
• You can do online bill payments, recharges and shopping, etc just by using your smartphone.
• No transactional fee involved while carrying out transactions.

Also Read: SBI UPI App

BOB UPI

Bank of Baroda has launched the BOB UPI app which can be directly downloaded through Google Pay Store. The app offers several advantages to the customers with the availability of additional features that aren’t included with other UPI supporting apps.

Why should you use BOB UPI

• Scan and pay facility.
• The app can be accessed 24×7.
• It is safe and secure.
• Send and receive money instantly.
• Avail easy access to complaint module.

How is UPI better than Other Payment Modules

• Allows users to process money transfers anytime and anywhere.
• Multiple bank accounts can be accessed with a single mobile application.
• Decent security with no need of providing Account no., IFSC code, etc.
• No charges on carrying out transactions.
• Utility payments over the counter payments are made easy.

Safety Concerns with UPI App

Since UPI is a mobile-based application, it is quite important for you to safeguard your device. In case if your mobile phone gets lost, you need to simply block the number so that no UPI-related action can be processed. Moreover, also be careful with the UPI pin that shouldn’t be shared with anyone. This is one of the prime requirements for accessing a transaction using the UPI app loaded on your smart mobile device.

FAQs

Q. If I change my UPI app is there a need to register again or I can carry the same virtual address?

Ans. In case you change your UPI app, you need to re-register and it needs to create a new VPA with the handle of the PSP.

Q. Can I use more than one UPI application on my mobile if the apps are linked to different bank accounts?

Ans. Yes, you can use as many UPI app as you want on your mobile phone and link all the accounts that you possess.

Q. What are the requirements to use UPI app?

Ans. To use UPI app, you need to have a bank account with a bank that allows you to use UPI facility and your mobile number must be registered with your bank account.

Q. What is the limit of fund transfer using UPI?

Ans. At present, the upper limit per UPI transaction is Rs. 2 lakh.

Q. How can I use UPI without internet?

Ans. You can access UPI without internet via UPI 123Pay. It is a service designed especially for feature phones and can be accessed even without an internet connection.