Top 5 best UPI apps in market in 2019

Have you ever given a thought to the concept where a mobile wallet serving as your bank? How about a situation where you will use your smartphone as a counter at the bank to make payments? That is where a UPI app comes to the fore. Let us check out the top five UPI apps popular in the market in 2019.

The Government of India introduced UPI as the real-time online payment system way back in 2016. Three years down the line, the concept has taken a really grand shape and we have several popular UPI based apps that made life simple for millions of bank customers. The focus on digital transactions has made it possible for the mobile payment apps receive a huge impetus.

After the launch of UPI platform, a host of banks and financial institutions launched their own UPI apps for the benefit of banking customers. These apps make use of the UPI platform to facilitate payments from and to the bank account of the customers directly without having to divert them to the mobile wallets like PayTM.
We will check out the top 5 best UPI apps you can use in India in 2019. But before that, we will have a look at what exactly UPI stands for.

The Top UPI Apps in 2019

Like we stated already, UPI platform has been a game changer and there are several UPI apps launched by different payment platforms. There are over 40 different banking institutes - both private and government that have been participating in the UPI platform. The revolution has been so huge that even the messaging platforms and social media networks have been releasing the compatibility through their apps. Truecaller should be a good example.
Having noted it down, here is our top pick for the best UPI apps in India you can trust in 2019.

Google Pay

Initially launched as TEZ, the payment solution from Google launched specifically for India has become a popular option of late. It is indeed one of the most innovative options and unique in its own right.
Google pay
It also carries the distinction of being the first UPI based platform to feature NFC communication. In fact, it has revolutionised the technology using Audio NFC wherein any smartphone can be enabled to use the functionality. Currently, the technology is supported in the cash mode only.

You can use Google Pay for a variety of purposes including making online payments, recharges or even sending payments. It completes the transactions to the bank through UPI as well as through the combination of the Account Number and IFSC code.

The features that the app offers you include
  • NFC technology for CashMode transactions.
  • No need to deposit money into a wallet. Debits and credits directly into the bank account.
  • It offers you multiple layers of security for enhanced protection.
  • The best reward programs that have become an industry standard. You can get rewards for almost every transaction you do.
  • User-friendly interface that has no steep learning curve.


Launched by a Bangalore based startup, PhonePe has now been acquired by Flipkart. Launched in 2016, the company has partnered with Yes Bank for providing the payment services. It handles almost every task you may think of with respect to handling your money.
Making bank to bank transfers, recharges and other transactions, the app works all through the country and supports payments up to Rs. 1 lakh per transaction. Inspired by Google Pay, the app has recently announced rewards in the form scratch cards for your select transactions. PhonePe also offers digital mobile wallet services akin to PayTM or Mobikwik.
Some features worth mentioning can be
  • Once click payment using your mobile number.
  • One of the popular UPI apps used before Google Pay forayed onto the scene, it offers a streamlined service.
  • Transactions amount up to Rs. 1 Lakh per transaction.
  • Personalised language support with the language of your preference.
  • It integrates with several other mobile wallets and lets you use the funds from those wallets as well.
  • You can access multiple bank accounts.

PayZapp from HDFC

This is UPI cum Digital Wallet app from HDFC bank. The app went popular when launched as it offered regular cashback and other offers on multiple online stores and recharge facilitators like PayTM. It also lets you link other bank accounts as well in addition to HDFC bank.

The app comes with the following advantages -
  • It offers you Virtual debit cards for your online transactions. This provides enhanced security
  • Proximity payments will be launched quite soon. This will be equivalent to the NFC or Audio NFC technology used on Google Pay.
  • PayZapp payment option is available on all major merchant sites.
  • It supports VPA ID and QR code mode of payment through UPI platform.
  • You can even opt for the PayZapp Business account for creating a merchant account.


BHIM is the official app for UPI based payments. Secure your money with the help of smartphone across UPI and a host of banks that have participated in the UPI platform. In fact, if you have BHIM app, you will not need any other specific UPI app for any of the banks you have maintained your account with.

The BHIM app can register all your bank accounts irrespective of the bank or branch you have your account with. The only prerequisite would be to ensure that you have registered the same bank account with all the bank accounts you want to associate with and us the same number with the BHIM app on your smartphone.
A few features that should make it one of the prime choices include
  • Pay to any bank account with just the mobile number, or the account number/ IFSC number combination.
  • You can even pay by using the QR code. This can be helpful for making payments to merchants using the UPI mode of payment for receiving the payments.
  • Check out and transact with all your bank accounts at one single place - provided you have registered a single mobile number with all the banks and financial institutions.

Pockets App

Pockets is the UPI app powered by ICICI bank. The app serves as both a digital wallet and UPI payment app in one. It should be needless to say that ICICI has been one of the prominent and innovative banking service providers in the private sector.
Pockets is indeed one of the best and innovative UPI apps that offers you an extensive service in the realm of UPI payments and similar allied services. A few extensive features that the app offers you include
  • The digital wallet option that lets you convert your account into savings account as well.
  • You also gets you access to virtual debit card options for use at online stores without the need to use your physical debit card.
  • It can also be accessed through the Internet banking service of ICICI bank.
  • It offers you access to make payments through VPA ID and QR code using the UPI platform.
  • Easy to use interface that provides you a One-Click functionality to work with your transfers.
  • The payment app also supports contactless and NFC payment.
  • It also offers you several rewards and cashback options through online merchant stores.

In Conclusion

UPI has indeed been a revolution in the realm of Indian financial sector. The technology has been making inroads into the newer innovations and thus making the existing UPI apps introduce newer concepts and functionalities.
The popularity and usability of the platform are evident in the fact that the even the messaging platforms like WhatsApp and Truecaller have been introducing the UPI payments option through their interface.
That was our formidable list of best UPI apps you can check out and use in 2019. If you think we have missed any of the good alternative options in this compilation, do share your thoughts with us. However, please note that we have only focussed on the UPI apps, and not the Mobile wallets for the sake of this post.


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