PhonePe: Recharge & Investment 4+

UPI Online Payments, Insurance


    • 4.7 • 47.8K Ratings
    • Free

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PhonePe (फोनपे) is a leading online payment app & a UPI enabled initiative that allows users to make payments seamlessly in India. Use the app for instant money transfers with UPI, mobile & DTH recharge, & utility bill payments like gas, water & electricity. You can also get Insurance (car, health, bike, travel, life, accident) & make broadband payments, invest in tax-saving mutual funds, or Gold. Make instant payments on food, travel, grocery and shopping apps without downloading them.

Things you can do on PhonePe

Bank to Bank Money Transfer, BHIM UPI Payment App
- Instant Money Transfer using BHIM UPI from one phone number to another, or to bank accounts without using IFSC code.
- Save beneficiaries, check and manage multiple bank accounts across different banks like SBI, HDFC, ICICI bank & 140+ banks.

Easy Online Payments
- Pay online across different online shopping sites like Flipkart, Amazon, Myntra etc.
- Order food online from Zomato, Swiggy etc.
- Shop daily essentials online like grocery from Bigbasket, etc.
- Make travel bookings to your favourite destinations (domestic & international) via popular sites like Makemytrip, Goibibo etc.

Contactless Offline Payments at Local Store
- Make Cashless offline Payments.
- Scan & pay easily via mobile number or using QR code at local kirana, pharmacy, restaurant and bars, retail stores, etc.

DTH & Mobile Recharge App
- Recharge Prepaid Mobile Numbers from brands like Jio, Vodafone, Idea, Airtel etc.
- PhonePe is a leading DTH recharge app where you can recharge DTH of top service providers like Tata Sky, Airtel Direct, Sun Direct, Videocon etc.

Online Bill Payments
- Pay Credit Card Bills
- Fast and secured Credit card bill payments for Visa, Amex, MasterCard, RuPay & Diners in a few clicks!
- Never miss a bill payment! Set Autopay and opt for recurring monthly bill payments via your Credit card.

Utility Bill Payments
- PhonePe is one of the leading utility bill payment apps via which you can pay your gas and water bills.
- Pay landline & broadband bills across Airtel, BSNL, Tata DoCoMo
- Pay via the best electricity bill payment app to 180+ billers like BESCOM, BSES, IGL, TNEB, MSEDCL.

Investment & Mutual Funds App
- Online Investment Plans & Mutual Funds
- Grow your wealth with the right balance of Equity & Debt, & plan for a brighter future with the preferred investment app in India
- Save your taxes easily by investing in tax saving mutual funds. Products Covered: Liquid Funds, Super Funds, Equity Funds, Debt Funds, Hybrid Funds and so on.

Buy & Sell 24K certified Gold
- Buy 24K Gold with assured purity & best value.
- Store your Gold in safe bank-grade lockers.
- Get safe doorstep delivery of Gold coins & bars.

Buy certified Highest Purity Silver
- Get pure Silver coins & bars in one click.
- Highest purity assured with transparent pricing.
- Get doorstep delivery with utmost safety & security.

Buy or Renew Insurance
- Car Insurance: Get full protection for 3rd Party damages via car insurance.
- Bike Insurance: Protect your two-wheeler via bike insurance.
- Health Insurance: Get assured cash daily on hospitalisation. Choose from plans offering up to ₹5000 per day!
- Dengue & Malaria Insurance: Get covered against 6 mosquito-borne diseases for as low as ₹49/year.
- Coronavirus Insurance: Get special protection against COVID-19 related hospital expenses.
- Term Life Insurance
- Personal Accident Insurance: Insure yourself against accidents & disablement
- International & Domestic Trip Insurance: Secure your next trip at both domestic & international destinations. Get 24X7 support in 200+ countries!

Value-Added Features
- PhonePe Switch: Use your food, travel, shopping & grocery Apps on ‘PhonePe Switch’, without downloading them.
- PhonePe Gift Cards: Buy a PhonePe Gift Card for easy payments across 1 lakh+ leading offline and online outlets and across the app.

For more details, visit our website at

What’s New

Version 5.8.61

Here's a GOLDen update for you!
Gold SIP now on PhonePe. You can invest like a pro without any hassles!
Wondering how?
Simply set auto-pay on PhonePe and accumulate gold at regular intervals without having to manually do it.
Too good to be real, right? Start your Gold SIP on PhonePe.

Ratings and Reviews

4.7 out of 5
47.8K Ratings

47.8K Ratings

vighu11 ,

Can’t hit send on IPhone SE 2020

With the new update, we are not able to proceed with the normal transaction setup. Somehow we don’t get to checkout/send/transfer money to a designated account.

Fortunately, we were able to do money transfer by changing the transaction workflow by clicking on help at the transfer screen menu and then clicking back option. The send button appeared once we did the above procedure. Can anyone please fix this issue.

Thank you

vastav9 ,

Dual sim does not work

I have a dual sim iPhone with an international physical SIM card and Indian esim. This combination of sims in iPhone XR does not allow me to verify bank to add upi. It picks up correct number when I start adding a new bank account but after that when I click on continue to proceed and verify the phone number by sending SMS, it throws an exception that I am using an international Sim card or Turbo SIM card. which means that it is falling back to physical SIM card.

nandu manjrekar ,

Topping up-PhonePe Wallet

I could pay (1) Airtel Recharge (2) Jio Recharge And (3) Pharmacy Bill

But not -all the bills I desired to pay. Like (1)Credit Card bills(2) ElectricityBills (3) Mahanagar Gas Bill or any payments to Third Party for the services/value received.

Hence not advisable to block more funds in PhonePe wallet also because PhonePe does not pay any interest like Banks on saving bank accounts.

App Privacy

The developer, PHONEPE PRIVATE LIMITED, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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