Top 10 Popular UPI Apps in India in 2021

Gone are the days when transferring money would need you to visit banks. And going to banks means you would need to take at least a half-day leave. These days, transferring funds is possible at the tip of your fingers. You do not even need to install the mobile banking app of your bank. All that you need is a payments app that is UPI-enabled. Now the only thing that you need to find is the UPI-enabled app that can make the money transferring process smoother. These apps will not only enable you to transfer money to other accounts but you can also use them to clear the restaurant bills, shopping bills, grocery bills, etc. You can basically use these apps just like a digital debit card. So, let us discuss some of the top UPI apps that are available in India, and quite popular in 2021.

Airtel Thanks App

Airtel Thanks App is one of the UPI-enabled apps that allow you to make payments for your bills and carrying out recharges. The App comes with additional safety features including the Airtel Safe Pay. Upon installing the App on your smartphone, you can even explore Wynk Music and listen to several genres of songs without paying any extra charges right from the Thanks App. As the recharges are concerned; you can receive cashback on Prepaid recharge, whether you are doing it on an Airtel number or from a different service provider.  Airtel Thanks App can be downloaded from Google Play Store or iOS App Store and installed on your smartphone.

Google Pay

Earlier known as Tez, the app later got rebranded as Google Pay. As per NPCI’s recent figures, in December 2020, 854.49 million customer transactions worth Rs.1,76,199.33 crores were processed by the app. Google Pay is a wonderful app through which you can recharge phone numbers, make bill payments, send and receive money, etc.


This is yet another popular UPI app that is used by many people across the country. With the help of PhonePe, you can recharge your phone, do online shopping, pay credit card bills, book gas cylinder, health insurance, etc.


Ever since Paytm was launched, it never looked back. This is also one of the most successful UPI-enabled apps that lets you make cashless transactions, recharge phone numbers, make bill payments, etc. The app is also user-friendly and anyone can use it.


BHIM is a government-owned UPI-enabled app through which you can send and receive money, request money, and make bill payments. BHIM even lets you locate the nearby shops that support UPI standards from the app.


Freecharge is another name in the list of UPI-enabled apps that you can trust. From UPI transactions to mobile and DTH recharges, and even Google Play top-ups, etc., you can do all of them through Freecharge.

Jio Pay

With Jio Pay, you can make UPI payments. The other things you will be able to do are QR code scanning, bill payments, and a passbook.  The passbook will help you to keep track of all the transactions that you do through the app.


It is a feature-rich UPI app through which you can recharge phone numbers and make bill payments. You can also make credit card bills.  The app enables users to generate UPI-powered personal payment links to effortlessly receive money from various other UPI app users.

BHIM Axis Pay

The BHIM Axis Pay from Axis Bank can even be used by users who are not customers of the bank. The features of this app include online mobile and DTH recharge, and credit cards, which are especially for Axis Bank customers.

Amazon Pay

You can use Amazon Pay to send as well as receive payments. In addition to this, you can also carry out mobile recharge, make other bill payments, gift cards, etc. However, it is not a dedicated UPI app but the UPI functionality within the Amazon Shopping app can be used.

You can choose any one from these apps and go as cashless as you want. All that you need is high-speed internet connectivity while using these apps.


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