Best Android UPI Apps You Must be Using

upi apps android

Thanks to the Android UPI apps, many people don’t have to worry about logging into Internet Banking to send or receive payments. These UPI-compatible apps for Android make the money management process easier. To make India digital in every possible way, the Digital India movement is introducing UPI services. Various online platforms now accept UPI payments for almost all services, such as hotel booking, train ticket booking, plane booking, etc. And there have been Android UPI apps, facilitating money transactions with a single click on their phone. Yes, you read that right, you don’t have to take a lot of money all the time. All you need is your Android smartphone.

UPI stands for Unified Payments Interface, it is a real-time payment system. The National Payments Corporation of India (NPCI) developed the UPI payment system. NPCI is a web platform that allows you to instantly make interbank transactions. However, you can find a variety of Android UPI apps on the Internet. You may find it difficult to choose among the best. So today we will see some of the best UPI apps for Android.

Why should you use Android UPI?

Right after demonetization, e-wallets dominated the market. The UPI system, however, succeeded in beating e-wallets and took the motive for demonetization to a whole new level. Well, all of this is due to the fact that Android UPI apps are much easier to use for providing peer-to-peer transactions. Another good thing is that it requires no KYC. You can transact like any other Internet banking transaction. Above all, the Android UPI applications allow you to send or receive money easily. They also work well in terms of security, providing good confidentiality to all of your data. Nowadays, with the advancement of the UPI system, you can also carry out international transactions seamlessly.

List of the best Android apps UPI 2020

UPI applications are definitely a must if you want to make digital payments. They are fast, secure and make the money management process much easier. Here are some great UPI apps that you can install on your smartphone.


Google Pay, formerly known as the Tez app, is one of the best Android UPI apps. This Android UPI app comes with an easy user interface and a bunch of fun features. You can send or request money from your friends with a few clicks. Monetary transactions can take place directly between two bank accounts. It is the only application to have introduced proximity functionality. When it comes to security, Google Pay again offers you the best security features available. One of the best things about this app is that it offers rewards on your transactions. It has a good rating of 4.4 on the Google Play Store.


Phone Pe UPI for Android

Another very popular UPI application is the PhonePe app. This application was developed in 2016 and is based in Bangalore. Phonepe allows you to process small and huge quantities up to 1 Lakhs in one transaction. You can transfer money to third parties, pay electricity bills, mobile phone bills, postpaid landline, etc. Phonepe also allows you to facilitate your transactions by linking your Phonepe wallet to other popular wallets. It is well known for its cash back and also allows you to split bills, which can be useful when you are in a group. It has a rating of 4.5 on the Google Play Store.


Paytm UPI for new user

Paytm is another popular digital wallet service provider. They even launched a Paytm payment bank for UPI transactions. Most importantly, it is accepted in most parts of the country. Paytm also presented its physical debit card which is linked to the Rupay debit card. However, you must first complete your KYC to use its features. It is also the best UPI application in terms of cashback offers. You can easily pay electricity bills, water and gas bills, movie tickets and much more.

Bhim UPI App

configure the BHIM UPI application for Android

BHIM stands for Bharat Interface for Money developed by the National Payments Corporation of India (NPCI). This app has developed as an initiative to make India truly cashless. It is one of the most secure UPI applications available on the market. Unlike other Android UPI applications, BHIM UPI also offers you several features such as money transfer, invoice splitting, modification of UPI PIN codes, etc.

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It also has a one-click money transfer option. You can also set payment reminders. In addition, this UPI application is promoted by the government, which adds another reason for users to trust this service. It comes with a clean interface and is fairly easy to use.

Free charge

Free Android UPI Payments

Freecharge is the latest UPI Android app on our list today. This app is very popular for providing incredible deals on completion of transactions. It has an impressive rating compared to other UPI applications. You can create a UPI identifier and make your payments using the UPI code. The user interface is very simple and also easy to understand and use. You can use it for shopping, booking tickets, etc. and also offers various discounts and cashback. In addition to that, Freecharge also allows you to make investments with SIPs and mutual funds.


The only thing you need to take care of is your phone. As all of these UPI applications are mobile platforms, it becomes important for you to apply proper security to your phone. In case you lose your phone, you just have to block the number so that no one else can use your UPI account registered with the number in question. Lock your smartphone with a password or secure PIN code and remember not to share your UPI PIN code.

Read more: 10 best personalization apps for Android

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