10 Best UPI (Unified Payments Interface) Apps For Android

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Written By Larious

Larious is the Executive Editor of LowkeyTech. He is a tech enthusiast and a content writer. 





Last Updated on June 22, 2020 by Larious

If you are searching for the best UPI apps for Android, then you have landed on the right page. Check out the 10 best UPI apps for payments.

Well, if we look around, we will discover that the digital paperless cash is slowly replacing other payment options like cash, cheque, etc. The previous year, the Indian govt has initiated several measures to boost digital payment solutions. One of those is known as UPI which stands for Unified Payment Interface.

For those who don’t know, UPI is an immediate real-time payment system that helps in instant transfer of funds between two bank accounts. It’s really fast, and you can avoid the extra cost of IMPS. Soon after the implementation of UPI, several Indian banks and third-party companies have introduced mobile payment apps.

10 Best UPI (Unified Payments Interface) Apps For Android

So, here in this article, we are going to share some of the Payment apps which integrate UPI platform. You can use these apps to send and receive money between the UPI linked accounts. So, let’s explore the list of 10 best UPI Payments apps in India in 2020.

1. Google Pay

Google Pay
Google Pay

It is one of the first UPI apps made for Android and iOS devices. The great thing about Google Pay is that it supports most of the Indian bank accounts. Indian users can use any backs for the back-end transaction. What’s more important is that Google Pay has a reward program in which users can earn after making a payment.



Well, if you rely on multiple apps for making payments, then you need to use BHIM UPI App. Guess what? With BHIM UPI App you can manage all your bank accounts & payments from one place. As the name of the app says, BHIM UPI App works on Unified Payments interface, which means you can access all bank accounts from one single app. Not just that, but with BHIM UPI App you can also check the account balance, set payment reminders, etc.

3. PhonePe


It is another best UPI based Android app on the list which can change the way you make payment. Just like Google Pay, PhonePe also offers cashback, coupons, etc. for making payments. With PhonePe, you can pay postpaid landline, mobile bills, Datacard bills, electricity bills, etc. Not just that, but you can also send and request money to your friends.

4. FreeCharge


It’s one of the best and top-rated Android app on the list which could help you go cashless. This is a UPI based app that lets you pay mobile bills, electricity bills, broadband bills, etc. You can also invest in mutual funds with this app. Unlike all other UPI based apps, FreeCharge also gives you amazing discounts and cashback offers after completing a transaction.

5. Paytm


Well, Paytm is right now India’s largest digital wallet service provider. The great thing is that Paytm is not integrated with UPI. Users just need to link their bank account to create their BHIM UPI ID & UPI PIN. After creating an account, users can send and receive money. Apart from that, Paytm also have great deals on Movie tickets, Mobile recharges, etc.

6. Pockets


Well, Pockets from ICCI bank is another comprehensive mobile wallet app that you can use on your Android smartphone. The Android app has payments through UPI. That means Pockets can be used to send and collect money using UPI. Apart from that, Pockets can also be used for bill payments, mobile recharges, shopping at selected portals, etc.

7. MobiKwik


When it comes to the user interface, nothing can beat MobiKwik. Guess what? MobiKwik has the best user interface compared to any other apps listed in the article. Since MobiKwik follows the UPI protocol, it can be used to transfer money within the bank or to other banks. Apart from that, on MobiKwik, you can also buy digital gold, insurance plans, etc.

8. CANDI – Mobile Banking App

CANDI - Mobile Banking AppCANDI - Mobile Banking App
CANDI – Mobile Banking App

If you have a Canara Bank account, then you need to install this app right now. It’s a mobile banking app of Canara Bank which supports UTI. With this app, you can easily transfer funds via RTGS, NEFT, IMPS, UPI, etc. Apart from that, the app can also be used to open FD and RD accounts as well.

9. Payzapp


This app is backed by HDFC bank, and it can be used for recharge, Online Bill Payments, BharatQR Payments, etc. It’s a complete payment solution given you the power to pay in just one click. On Payzapp, you need to link your HDFC Bank account to make payments or purchase anything. Apart from that, Payzapp users can also avail of great offers at SmartBuy.

10. Axis Pay

Axis PayAxis Pay
Axis Pay

Well, Axis Pay from Axis Bank Ltd is another best UPI banking app that enables you to do instant money transfers, mobile recharges, DTH Recharges, etc. Just like all other UPI based apps, Axis Pay also allows users to transfer money by simply entering the UPI ID. The user-interface of Axis Pay is amazing and it’s one of the best free UPI apps for Android 2020 that you can use right now.

So, these are the 10 best UPI apps in India for Digital Payments. If you know any other such apps, let us know in the comment box below.


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