Top 10 Best UPI Apps in India For Secure Transactions 2021: Unified Payments Interface commonly known as UPI is an instant payment system that works in real-time, designed and developed by the National Payments Corporation of India facilitating inter-bank transactions. 

The UPI  interface is regulated by the Reserve Bank of India (RBI) and works by instantly transferring funds between two same or different bank accounts on a mobile platform.

After the release of UPI it instantly became successful and now it has more than 100 million active users and various dedicated applications.

10 Best UPI Applications in India 2021

1. Google Pay

Google Pay

Google Pay is a UPI-based digital payment platform developed by Google to power in-app, online, and in-person contactless purchases on mobile phones and tablets. One can pay and receive money from anyone directly to the bank account using UPI in the Google Pay application.

The application is available on both Android and iOS mobile platforms. Apart from fund transfer, one can also pay various bills like credit card bills, telecom bills, electric and gas bills, etc. Marchant payment is also available on this platform.

Google Pay has a quite nice and simple user interface for faster payments with fewer advertisements, the only limitation is that it has no wallet facility, making it one of the best UPI apps in India in 2021 for secure online payments.



BHIM, Bharat Interface for Money is the original UPI app developed by the National Payments Corporation of India (NPCI). The app was released on 30 December 2016 to encourage cashless transactions after the demonetization.

The application supports all the major banks in India and uses the IMPS platform to instantly transfer funds between two bank accounts. BHIM is available on both Android and iOS platforms.

Unlike other digital wallets like Paytm or Mobikwik, BHIM does not have any wallet system to store money and only employs it as a medium for money transfers between two banks.

It has a clean and nice easy-to-use user interface and is backed by India’s government, making it one of the best UPI apps in India for secure online transactions.

3. Paytm


Paytm is arguably one of the best UPI and online payment apps in India in 2021. It has a nice user interface, a fast and secure server for online payment, and one of the oldest companies in this business.

The company was founded in August 2010. The app is available in 11 languages and users can do mobile recharges, pay utility bill payments, travel, movies, and events bookings and various other activities.

Paytm has a wide range of merchants and supports payment in various methods. Also, the Paytm app has fewer advertisements and promotional content compared to other UPI apps.

4. PhonePe


PhonePe is an India based digital payment and financial service mobile application available on both Android and iOS platforms. PhonePe is owned by Flipkart and as of now, it has more than 280 million active users.

PhonePe was founded by Sameer Nigam, Rahul Chari and Burzin Engineer in December 2015. The payment app is available in over 11 Indian languages.

Using the application, users can send and receive money via UPI mode, recharge mobile, DTH, data cards, make utility payments, pay at shops and invest in various mutual funds.

PhonePe app is user friendly and fast but the only limitation is the advertisements, which is irritating enough to ignore this application.

5. Amazon Pay

Amazon Pay

Amazon INC owns Amazon Pay, a UPI payment and processing mode integrated with the Amazon shopping application. Although there is no separate application for Amazon Pay, the user can still use Amazon App.

Like other UPI apps on this list, you can easily use Amazon Pay to send and receive payments. Other than that you can also do mobile recharge, bills, travels, insurance, gift cards, and more. Amazon Pay is one of the top rewarding apps with adequate cashback and discount offers. 

6. Freecharge


Freecharge is a UPI based application where you can do UPI transactions, mobile and DTH recharge, Google Play top-ups, and many more activities.

It is one of the leading UPI based payment apps in India in 2021. Freecharge is owned by one of the largest private banks in India, Axis bank.

Furthermore, Freecharge powered by Axis Bank enables its users to invest in mutual funds and get easy credit through the Freecharge EMI offer. backed by a powerful bank it is one of the best UPI apps in India for secure online transactions in 2021.

7. Mobikwik


Mobikwik is quite a good option as you can use this feature-rich UPI app to transfer funds, bill payments, paying credit card bills, and much more. One unique feature of Mobikwik is that you can create UPI-powered personal payment links for receiving money from other UPI app users.

Mobikwik also offers the flexibility of recharge and other activities. Mobikwik app also has an expense manager to help you track all your spending and get a transaction history without relying on other apps.

8. Airtel Thanks

Airtel Thanks

Airtel Thanks app has actively integrated itself with the UPI mode to provide a hassle-free transaction of funds. Using this app, the users will be able to create VPAs and link their individual bank accounts.

Besides, the main advantage is the Airtel Payments Bank is that you can access payments both online and offline methods.

Airtel network users can easily use their Airtel Thanks mobile application and navigate to the Airtel Payments Bank to perform UPI transactions.

It is all in one app to do recharges, make payments, and manage all your Airtel connections from anywhere, anytime, making it one of the best UPI apps in India for secure online transactions. 

9. Jio Pay

Jio Pay

As the name suggests, Jio Pay is an online payment solution by Reliance Jio owned by Reliance Industries Limited. The application is available within the MyJio app, Jio Pay offers UPI payments, bill payments, and a passbook to keep track of your transactions and many more.

Reliance Jio users can use the Jio Pay app and use all its features seamlessly. It is one of the best UPI applications available in India in 2021 for secure online transactions.

10. WhatApp Pay

WhatApp Pay

WhatsApp Pay is a digital payment platform by Whatapp and in India, it uses UPI payments methods for digital transactions.

The application is an in-chat payment feature that allows users to make payments via WhatsApp to their contact list. To use WhatsApp Pay, the users have to initiate a payment to a contact. Once the request is received, the users can set up their UPI account on the WhatsApp application.

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