The transition from traditional payment methods to UPI payments might be slow, but still, the country is under a remarkable economic revolution. The reason being not all the people are aware of this digital payment gateway, mainly because its new.
A simple search on Google Play will produce several UPI apps, but not all of them are good and thoroughly secure. To help you out, we are going to discuss some of the highly trustworthy and efficient apps that can be on your smartphone.
Here are 5 Best UPI Apps in India that are best suitable for digital payments:
1. BHIM UPI App
Backed by the government, BHIM was developed and created by NPCI. With just a few clicks, you can transfer money from one bank account to another. There are three ways to transfer money - mobile number, QR code, and VPA. To make a transaction, you just need a mobile number and PIN.
The BHIM app also has a feature which allows users to request money. Earlier, the app was available on Android only, but recently it has been made available for iPhone users as well.
2. SBI Pay
Developed by the State Bank of India, the app wins the trust of users mainly because it is government backed and has a very simple interface. The virtual payment address or Aadhaar number is used as the payee address to make the transfer.
3. HDFC UPI App
Among all the existing UPI apps, HDFC UPI Pay truly has the cleanest interface. HDFC is available on all platforms, including Android, iOS, and Windows. Secured with the four-digit app password; the transaction experience is easy and seamless for users.
4. ICICI UPI
ICICI UPI is another great addition to the list of best UPI apps. Developed and maintained by ICICI Bank, the app lets you transfer money using Virtual Payment Address. The UPI feature is available for both iMobile and Pockets. Users can easily create VPA, transfer money, and collect money.
5. PhonePe App
Flipkart recently launched its mobile wallet called PhonePe in partnership with YES Bank. After BHIM, it is the most popular app that you can have on your list. When you log in to the app, you will find attractive colour combination, along with a captivating interface, and of course the app has many useful features as well.
The app supports 8 languages and you can use it to send and request money. To make the transfers you need to have your number registered with UPI. The easy interface lets you check the balance, change UPI PIN, and generate the QR code.
You can pick any of these five apps and your digital transactions will automatically become a whole lot easier. While each app is great in its own way, the right one will depend on your requirements and demands. For instance, if you already have a bank account with SBI, HDFC, or ICICI, then it would be best to stick to their own UPI apps. If not, you can go for BHIM or PhonePe.
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