PhonePe: Secure Payments App 4+

UPI, Recharges, Bills Payments


    • Free

iPhone Screenshots


Send money to any mobile number or bank account. Get exciting offers on recharges & bill payments. Buy insurance and pay at any online and offline outlet.

PhonePe is a payments app that allows you to use BHIM UPI, your credit card and debit card or wallet to recharge your mobile phone, pay all your utility bills and to make instant payments at your favourite offline and online stores. You can also invest in mutual funds and buy insurance plans on PhonePe. Get Car & Bike Insurance on our app.
Link your bank account on PhonePe and transfer money with BHIM UPI instantly! The PhonePe app is safe and secure, meets all your payment, investment, mutual funds, insurance and banking needs, and is much better than Internet banking.

Things you can do on PhonePe (Phonepay) App:

Money Transfer, UPI Payment, Bank Transfer
- Money Transfer with BHIM UPI
- Manage Multiple Bank Accounts – Check Account Balance, Save Beneficiaries across multiple bank accounts like SBI, HDFC, ICICI & 140+ banks.

Make Online Payments
- Make online payment on various shopping sites like Flipkart, Amazon, Myntra etc.
- Pay for online food orders from Zomato, Swiggy etc.
- Pay for online grocery orders from Bigbasket, Grofers etc.
- Pay online for travel booking from Makemytrip, Goibibo etc.

Make Offline Payments
- Scan and Pay via QR Code at local stores like kirana, food, medicines etc.

Buy or Renew Insurance Policies with PhonePe Insurance App

Health & Term Life Insurance
- Compare and buy Health & Term life Insurance with monthly premiums
- Coverage for individuals, senior citizens and families

Car & Two Wheeler Insurance
- Browse and get India’s most popular bike and car insurance
- Buy/renew your car and bike Insurance in less than 10 minutes

Other Insurance
- Personal Accident Insurance: Insure yourself against accidents & disablement
- Travel Insurance: Get international travel insurance for business and leisure trips
- Shop Insurance: Insure your shop against fire, theft, natural calamities, and burglaries.

PhonePe Lending
Get pre-approved personal loans ready to be disbursed into your bank account through seamless & digital loan onboarding journey. Attractive interest rates, easy repayment options and single click self serve modules are some of the salient features being offered.

Repayment Period: 6 - 36 Months
Interest Rate: Max 30% (Reducing)

Principal Amount: ₹100,000
Interest Rate: 15% p.a. (Reducing)
Processing Fees: 2%
Tenure: 12 Months
Total interest amount payable: ₹8309.97
Total processing fee amount payable: ₹2000
Total cost to the user: ₹110,309.97

Mutual Funds App and Investments App
- Liquid Funds: Get higher returns than savings bank
- Tax-Saving Funds: save up to Rs. 46,800 in tax & grow your investment
- Super Funds: Achieve financial goals with expert help on our app
- Equity Funds: High growth products curated as per risk appetite
- Debt Funds: Get stable returns for investments without any lock-in period
- Hybrid Funds: Get a balance of growth and stability
- Buy or Sell 24K Pure Gold: Assured 24K purity, build gold savings on our app

Recharge Mobile, DTH
- Recharge Prepaid Mobile Numbers like Jio, Vodafone, Idea, Airtel etc.
- Recharge DTH like Tata Sky, Airtel Direct, Sun Direct, Videocon etc.

Bill Payment
- Pay Credit Card Bills
- Pay Landline Bills
- Pay Electricity Bills
- Pay Water Bills
- Pay Gas Bills
- Pay Broadband Bills

Buy PhonePe Gift Cards
- Buy a PhonePe Gift Card for easy payments across 1 lakh+ leading offline and online outlets and across the PhonePe app.

Manage your refunds
- Manage and track refunds from your favorite shopping websites on PhonePe.
For more details, Visit our website at

Permissions for App and reasons
SMS: to verify Phone number for registration
Location: a requirement by NPCI for UPI transactions
Contacts: for phone numbers to send money to and numbers to recharge
Camera: to scan QR code
Storage: to store scanned QR code
Accounts: to pre-populate email ID while signing up
Call: to detect single vs dual sim and let user choose
Microphone: to carry out KYC video verification

What’s New

Version 24.0202.07

PhonePe Lending:
- Get pre-approved loans seamlessly. Enjoy attractive rates, easy repayments, and self-serve modules.
UPI Lite
- Experience super-fast payments with near-zero failures
- Pay upto ₹500 without any PIN.
- Add upto ₹2,000, withdraw anytime, no charges.
Rupay Credit Card on UPI
- No need for CVV and OTP; pay with PIN
- Check credit card balance
PhonePe Insurance:
- Compare and buy health, life, car and bike insurance plans seamlessly.

Ratings and Reviews

4.7 out of 5
5.4M Ratings

5.4M 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.

sachinasrao ,

Simple clean interface

I like the simple user interface, unlike PayTM which is a total clutter. Here are my suggestions: 1. Trust is very important. I need to be reassured that my data is safe with you. Please consider GDPR or equivalent compliance. I have switched over to PhonePe only due to an assumed trust factor. 2. After a payment is made, immediately show the amount transferred in big bold text. I often have to wait for the animations to run before showing it to the merchant. 3. Show bank account balances on the same page like how PayTM does it rather than showing it on a separate temporary page. Sometimes it is required to view all balances in one page. Bank account, wallet, UPI lite, fast tag. All in one balance page (even if I have to enter the pin for each one by one). 4. STOP ads in notifications, there is no way I will switch on notifications, which means I miss out on transaction notifications.

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

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