5 Best UPI Wallet Apps In India To Send or Receive Funds Conveniently

After the revolutionary step of Demonetization, lot of controversies happens in India but one of the major benefits of Demonetisation is the changes occur in the field of Cashless Economy, Now more and more people use digital payment methods irrespective of traditional ones like giving cash for day to day payments etc and Recently launched UPI ( Unified Payment Interface ) system make the task more easier.

It is an initiative of National Payment Corporation of India (NPCI ) and the best thing about using this method  is that there is no need to load money into wallet or to fill debit/credit card details again and again to complete any transaction, Also there is no minimum purchase limit which means you can even transact for  Re 1 .I bet most of you already use Indian government official UPI wallet app “BHIM” and now Search Engine Giant “Google” also launched their first UPI app  “Tez” in India. This article is going to cover “Top 5 UPI wallets available in India” through which you can easily send or receive money by filling VPA (virtual payment address), IFSC, Account number or Mobile number without any trouble. So without any further ado, let’s get started.

Top 5 UPI Wallet Apps available in India

1. Google Tez app:

Google-owned UPI app Tez  grabs top position in the list, I personally like its easy interface and “Cash mode” transaction feature which allows you to send or receive money to other Tez user without sharing any beneficiary details, it basically works on “Audio QR” technology which means when both “Payer” and “Recipient” present at same place then their device connects wirelessly using audio signals and allows them to complete transaction.

According to me, it is one of the secure ways to pay at shops or to transfer or receive money to anyone whom you do not know personally.If you don’t want to use cash mode feature then you can simply transact by filling phone number, bank account details, UPI Id or even by scanning QR code.

Also Read: How to setup UPI payment in Google’s Tez app

Not only this, by taking part in promotional offers you can also earn money up to Rs 9,000. The process is very simple you just need to refer your friends and colleagues, when they download Tez app using a link and do their first UPI transaction then both of you rewarded with Rs 51. Tez is one of the fastest growing UPI wallet app in India that receives over 5 million downloads on play store in few weeks.

Link to download


2. PhonePe:

India’s biggest E-commerce website “Flipkart” introduced one of the most popular UPI wallet app called as “Phonepe”, which is known for its nice UI and fast service. It has over 10 million downloads and 4.4 rating out of 5 on Google play store which shows its popularity.

So if you want to get exciting cashback offers on utility bills, movie or travel tickets etc, then I definitely say “Phonepe” is the best option for you. However, there are also some additional options like split bills and add reminders which is quite beneficial for all of us.

To use the service you just need to download and create an account to “Phonepe” using the same mobile number that is registered with a bank account and after that confirm account details to get started.




BHIM app was launched by Honorable Prime Minister Narendra Modi on 30 December 2016, it is backed by an Indian government such that there is no need to worry about security features.

BHIM app has some additional advantages over others, the user can even send money from one bank account to other without internet connectivity, by dialing *99#, it also includes three level of authentication which makes it more reliable and secure.



4.  Pockets by ICICI:

As we know, ICICI owned “Pockets “app is one of the most popular E-wallet in India, now it also includes UPI  option in their app which helps you to send or receive money directly through a bank account , there is just need to select desired option whether you prefer to pay using VPA, Account or Aaadhar number, surely it is one of the most secure and convenient app to use.


Download: Pockets

5. SBI pay:

State bank of India launched their UPI app called as ” SBI Pay“, The best thing is that the Non-SBI account holder can also use the app without any restriction. The users can easily create their own VPA address using suffix @sbi which allows them to send or receive funds. It is highly secure for payments and functioning is very similar to BHIM app.


DownloadSBI pay

Also ReadHow to use UPI option in Paytm app

Don’t forget to mention which one of the above UPI wallets you used a most and comment below regarding any query.

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