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Send money, recharge & pay bills, find great offers at your favourite stores and more! Pay with PhonePe using UPI, Debit/Credit Cards & your PhonePe Wallet.

PhonePe (फोनपे) is a leading online payment app and a UPI enabled initiative that allows the users to make payments seamlessly in India. Use the app for instant money transfers with UPI, mobile recharge, DTH recharge, utility bill payments like gas, water & electricity. You can also pay your Insurance (car, health, bike, travel, life, accident) & broadband payments, invest in tax-saving mutual funds, or Gold. Make instant payments on favourite 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 any phone number to another phone number 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:
- Make online payments across different online shopping sites like Flipkart, Amazon, Myntra etc.
- Order your favourite foods online from Zomato, Swiggy etc.
Shop daily essentials like online grocery from Bigbasket, Grofers etc.
- Make travel bookings to your favourite destinations (domestic & international) through popular sites like Makemytrip, Goibibo etc.

Contactless Offline Payments at Local Store
- Offline Payments through cashless payments are made easier.
- Scan and 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 prime brands like Jio, Vodafone, Idea, Airtel etc.
- PhonePe is a leading DTH recharge app where you can make DTH recharges for top service providers like Tata Sky, Airtel Direct, Sun Direct, Videocon etc.

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

Utility Bill Payments:
- PhonePe is one of the leading utility bill payment apps through which you can pay for your gas and water bills.
- Pay landline and broadband bills across Airtel, BSNL, Tata DoCoMo
- Pay through the best electricity bill payment app across 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 and Debt, and plan for a brighter future with the preferred investment app across India
- Save your tax quickly and easily by investing in tax saving mutual funds app. Products Covered: Liquid Funds, Super Funds, Equity Funds, Debt Funds, Hybrid Funds and so on.

Buy and Sell Gold
- Build your Gold savings by buying and selling 24K Gold.
- Get the Gold stored in a 100% secure locker.
- Doorstep Gold Delivery across different locations in India

Buy or Renew Insurance:
- Car Insurance: Get full protection for 3rd Party damages through our car insurance app.
- Bike Insurance: Protect your two-wheeler with a bike insurance app.
- Health Insurance: Get assured cash daily on hospitalisation. Choose from plans offering up to Rs.5000 per day!
- Dengue & Malaria Insurance: Get covered against 6 mosquito-borne diseases for as low as Rs.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 and 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, please visit our website at www.phonepe.com

What’s New

Version 5.7.71

Trying to live a tension-free life?

Check out our new, no-hassle, easy to understand Health Insurance experience with Health@999. Build a plan that’s right for you and your family, in a matter of a few taps. Simply head over to the ‘Insurance’ tab and tap ‘Health@999’ to explore options.

Ratings and Reviews

4.7 out of 5
3.1M Ratings

3.1M Ratings

Hniks ,


I had bought gold of 10,000 rupees from phonepe app. The next day after 24 days I wanted to sell it, but they blocked my account and it’s been 15 days they have blocked it and taken my money. I don’t have a passbook but other evidences have been provided. These ppl are actually frauds stealing our money and they trick us by making us guilty and make us look as frauds. Even the customer care executives are losers with no experience they reply to us rudely and Wat ever the concern is they take bloody 5 days to resolve. After 5 days again they come up with some lame response and ask 5 days more . This has been continuously happening. Those who are seeing this review pls don’t buy anything from phonepe . They are bloody losers. The customer care is too too rude. And while we are talking they interrupt us and start their own story. They are not qualified enough for this job. I guess phonepe has hired some losers with low income and started this stupid service. These ppl should shut their company and better start begging instead of stealing our money. FRAUDS.

sunitaguddupu ,

Wrost and unsafe use

I need my amount. What will I make of your clarifications? If you don’t have any authority to safe our money then why are you mediating like that? Why are you providing such ambiguous and fake UIs, if you can’t take any responsibility of the transaction made with your user interface Haan ? And why didn’t you write a caution in big letters that “ we (PhonePe)are not responsible for any transactions you(stupid people who use this useless app) make via our gateway. Your amount may be deducted, confiscated and not be refunded, in such a situation you stupid people have to bear all the loss and to take it back, you guys have to put your head on merchant’s feet.” This is your moral duty to let people know beforehand all the impairment you have. Any fraudulent can control app’s notifications to fool us easily. And this app never take any responsibility for our loss occur due to its loose security system.

Developer Response ,

Hi Sunita, we apologize for the inconvenience caused. Request you to share the ticket ID here or you could reply to the same ticket raised via the app. We'll surely get this checked for you. Thanks. ∞JP

SwatCat B ,

Fraud -Must Read

Yesterday i got a call phone phone pay .. like they were saying i have got an cashback amount of 3499 from wohoo so they called me to redeem the benefit or the cashback amount i got. They ask me to open phone pay app go to the notification click on the first notification that they have send of reward of 3499 when i had clicked on this there is the only option of pay. they said me to click on pay button nd then to put the password of my phone pay, I did it just bcoz I have 0 balance in my account 😂 so it didn’t proceed, it came out as failed transaction then he ask me my account balance. I told him i have zero balance He wants to took details of my second bank account, I didn’t provide. so he told me to deposit at least 1000 rupees in my account so he can do fraud n cut down that .. i realised it soo late that it was a fraud call. the way he was talking kind ofBihari language nd so unprofessional couldn’t pronounce confirm well, so guys if u have balance in your account do not proceed on such call, they ask to pay that they were transferring it to our bank account but jis bank account me hame amount chaiye wahi bank account se pay option kaise aa skta h😂. So plz be aware. I have saved 3499 bcoz thank god mere account me zero balance thaa wrna wo mere hi account se deduct ho jate.

Developer Response ,

Hi there! We at PhonePe never call our users and ask for OTP to receive cashback. We are very particular about maintaining the safety and confidentiality of our users' data. Kindly refrain from sharing any OTP, CVV, Bank Details, BHIM UPI PIN, or accept cashback via unknown calls or requests. ^JP

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 based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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