Nowadays, it is easy to manage your money with UPI apps. You can send money, pay bills, and do more with your phone. But with so many apps to choose from, which one is the best? This guide will introduce you to “7 Best UPI Apps”.
These apps are like money management superheroes. Whether you are a student, a business owner, or anyone else, these apps can make your financial life easier. Let’s delve deeper and find out which UPI apps are best for you.
Table of Contents
7 Best UPI Apps
Here you will find the list of the 7 best UPI apps and you can download it from here
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PhonePe is one of the most popular UPI apps in India, started in 2015 offering a seamless and secure way to make payments. It supports multiple languages, has a user-friendly interface, and offers many features such as bill payments, money transfers, and more.
With its simple and intuitive design, Google Pay has gained immense popularity. It allows users to send and receive money, pay bills, recharge mobiles, and even make payments at offline stores using QR codes.
Paytm is not just a UPI app but also a digital wallet, making it a versatile option. It offers various cashback and rewards, in addition to features like mobile recharges, bill payments, and online shopping.
BHIM (Bharat Interface for Money) is a UPI app developed by the National Payments Corporation of India. It is known for its simplicity and ease of use, making it a popular choice among users.
Amazon Pay allows users to make seamless UPI transactions, in addition to offering a wide range of products and services. It is especially convenient for those who frequently shop on Amazon.
Yes Bank is not just a UPI app but also a digital wallet that offers various cashback and discounts. It is known for its secure and fast transactions, making it a reliable choice.
CRED is a UPI-based payment app that offers Secure and fast transactions with Cashback and rewards. CRED users can check their credit scores for free and track their progress over time.
Click here to learn more about UPI, UPI ID, whether UPI is safe or not, and How to Register UPI
How to Use UPI Apps?
Here you will find, How to use these 7 Best UPI Apps
Step 1: Download the App
- Visit your device’s app store (Google Play Store or Apple App Store).
- Search for your chosen UPI app.
- Click “Install” to download the app.
Step 2: Registration and Verification
- Open the app and follow the registration process.
- Verify your mobile number and link your bank account.
- Set a secure UPI PIN.
Step 3: Link Bank Account
- Add your bank account by selecting your bank and entering your account details.
- The app may require additional verification steps.
Step 4: Set Up Beneficiaries
- Add the details of the beneficiaries to whom you wish to send money.
- Verify their details for accuracy.
Step 5: Start Making Transactions
- Your UPI app is now ready for use.
- Send money, pay bills, and make transactions with ease.
Remember to keep your UPI PIN confidential and avoid sharing it with anyone.
UPI Transaction Limit
Government Bank UPI Transaction Limit
| Sr. No. | Bank Name | Per Transaction Limit | Per Day Limit |
| 1 | Bank Of Baroda | ₹1,00,000 | ₹1,00,000 |
| 2 | Bank Of India | ₹1,00,000 | ₹1,00,000 |
| 3 | Bank Of Maharashtra | ₹1,00,000 | ₹1,00,000 |
| 4 | Canara Bank | ₹1,00,000 | ₹1,00,000 |
| 5 | Central Bank Of India | ₹1,00,000 | ₹1,00,000 |
| 6 | IDBI BANK | ₹1,00,000 | ₹1,00,000 |
| 7 | Indian Bank | ₹1,00,000 | ₹1,00,000 |
| 8 | Indian Overseas Bank | ₹50,000 | ₹1,00,000 |
| 9 | Oriental Bank Of Commerce | ₹1,00,000 | ₹1,00,000 |
| 10 | Punjab and Sind Bank | ₹1,00,000 | ₹1,00,000 |
| 11 | Punjab National Bank | ₹1,00,000 | ₹1,00,000 |
| 12 | State Bank Of India | ₹1,00,000 | ₹1,00,000 |
| 13 | UCO Bank | ₹1,00,000 | ₹1,00,000 |
| 14 | Union Bank Of India | ₹1,00,000 | ₹1,00,000 |
Private Bank UPI Transaction Limit
| Sr. No. | Bank Name | Per Transaction Limit | Per Day Limit |
| 1 | Axis Bank | ₹1,00,000 | ₹1,00,000 |
| 2 | Bandhan Bank | ₹1,00,000 | ₹1,00,000 |
| 3 | Catholic Syrian Bank | ₹1,00,000 | ₹1,00,000 |
| 4 | City Union Bank | ₹1,00,000 | ₹1,00,000 |
| 5 | DCB Bank | ₹1,00,000 | ₹1,00,000 |
| 6 | Dhanlaxmi Bank Ltd | ₹1,00,000 | ₹1,00,000 |
| 7 | Federal Bank | ₹1,00,000 | ₹1,00,000 |
| 8 | HDFC | ₹50,000 | ₹1,00,000 |
| 9 | ICICI Bank | ₹1,00,000 | ₹1,00,000 |
| 10 | IDFC | ₹1,00,000 | ₹1,00,000 |
| 11 | IndusInd Bank | ₹1,00,000 | ₹1,00,000 |
| 12 | Jammu and Kashmir Bank | ₹25,000 | ₹1,00,000 |
| 13 | Karnataka Bank | ₹1,00,000 | ₹1,00,000 |
| 14 | Karur Vysaya Bank | ₹1,00,000 | ₹1,00,000 |
| 15 | Kotak Mahindra Bank | ₹1,00,000 | ₹1,00,000 |
| 16 | South Indian Bank | ₹1,00,000 | ₹2,00,000 |
| 17 | The Lakshmi Vilas Bank Ltd. | ₹1,00,000 | ₹1,00,000 |
| 18 | The Ratnakar Bank Ltd. | ₹1,00,000 | ₹1,00,000 |
| 19 | YES Bank | ₹1,00,000 | ₹1,00,000 |
Other Bank’s UPI Transaction Limit
| Sr. No. | Bank Name | Per Transaction Limit | Per Day Limit |
| 1 | Aditya Birla Idea Payments Bank | ₹1,00,000 | ₹1,00,000 |
| 2 | Airtel Payments Bank | ₹1,00,000 | ₹1,00,000 |
| 3 | FINO Payments Bank | ₹1,00,000 | ₹1,00,000 |
| 4 | India Post Payment Bank | ₹25,,000 | ₹25,,000 |
| 5 | JIO Payments Bank | ₹1,00,000 | ₹1,00,000 |
| 6 | Paytm Payments Bank | ₹1,00,000 | ₹1,00,000 |
| 7 | Equitas Small Finance Bank | ₹1,00,000 | ₹1,00,000 |
| 8 | ESAF Small Finance Bank | ₹1,00,000 | ₹1,00,000 |
| 9 | Suryoday Small Finance Bank Ltd | ₹1,00,000 | ₹1,00,000 |
| 10 | Ujjivan Small Finance Bank Ltd | ₹1,00,000 | ₹1,00,000 |
NPCI limits your transfer amount to ₹1 lakh in 24 hours and you cannot transfer more than 10 times in 24 hours. These restrictions are for peer-to-peer fund transfers.
7 Best UPI Apps
These UPI apps are the best because they can do so much and are simple. Here are the reasons Why these UPI Apps are the best.
These UPI apps are exceptional because they have great features and are easy to use.
They focus on keeping your money safe by using strong security measures.
They ensure your transactions are hidden so no one can see your financial information.
Besides UPI payments, these UPI apps can also:
- Pay your bills
- Top up your mobile phone
- Buy tickets
- Shop online
- Invest in mutual funds or insurance
What are the Limits of UPI Apps?
Different UPI apps have different rules for how much money you can send or receive at one time.
These UPI Apps also set limits on how much you can use the app in a single day or week.
To find out these limits, you can check the app’s rules and guidelines.
If you are unsure about the limits or have questions, you can contact the app’s support team for help and clarification
UPI Apps FAQs
Which UPI app is the best?
Above mention 7 Best UPI Apps are enough to answer you but for your clear understanding, PhonePe is the Best UPI App. Phonepe has the maximum number of transactions with maximum volume.
Which is better GPay or Paytm?
Although all UPI apps are better GPay has an edge over Paytm. GPay is the second most used UPI app in India in terms of numbers or volume as per NPCI data. Paytm requires KYC for money transfers whereas GPay does not require KYC
is BHIM government UPI app?
Yes BHIM is a government UPI App, The BHIM UPI App was developed by the National Payment Corporation of India (NPCI) under guidance from the Reserve Bank of India.
Is UPI safe?
Yes UPI is completely safe under the guidance of NPCI and RBI, but you always verify your UPI id before entering your UPI PIN.
Which is safer UPI or a card?
UPI is safer because it is in your hand, no need to swipe like a card. It reduces the chances of Fraud.
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