PhonePe UPI, Payment, Recharge

Contains ads
9.51M reviews
Content rating
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About this app

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 Insurance App
- Term Life
- Hospital Daily Cash Insurance: Cover of up to Rs. 4.5L for hospitalization expenses
- Dengue & Malaria Insurance: Get covered for 6 mosquito-borne diseases for as low as Rs. 49/year
- Coronavirus Insurance: Stay protected against COVID-19 related hospital expenses
- Domestic Multi-Trip Insurance: Stay secure every time you step out of your home
- International Travel Insurance: Secure your next international trip in seconds!
- Bike Insurance: Protect your 2-wheeler against damages, accidents and financial losses with PhonePe bike Insurance app
- Personal Accident Insurance: Insure yourself against accidents & disablement
- Car Insurance: Protect your car against damages, accidents and financial losses with PhonePe car Insurance app
Use the PhonePe app for all your insurance related needs.
Mutual Funds App and Investments App
- Liquid Funds Investment: Get higher returns than your savings bank account
- Tax Saving Funds: Save up to Rs. 46,800 in tax & grow your investment
- Super Funds: Achieve your financial goals with expert help on our investment app
- Equity Funds Investment: High growth products curated as per your risk appetite
- Debt Funds: Get stable returns for your investments without any lock-in period
- Hybrid Funds investment: Get a balance of growth and stability
- Buy or Sell 24K Pure Gold: Get assured 24K purity & build your gold savings on our investment 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, please 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
Updated on
Feb 1, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted
9.51M reviews
Neeraj Kumar
September 9, 2022
The app has been disappointing in terms of its slowness over last couple of months/updates. It used to be my favorite once, and now it takes almost 2 minutes to complete a transaction. Opening the app + scanning the QR + fetching the merchant's information + payment - Each stage takes its own sweet time to complete. This becomes more frustrating when we are paying someone face-to-face. I have to switch to another UPI app eventually. Please fix this.
699 people found this review helpful
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September 9, 2022
This is unpleasant to hear, Neeraj. We request you to update the PhonePe app to its latest version, close all background apps and try again. Also, please clear cache files by following these steps: Open your phone's 'Settings' -- Tap on 'App Management' -- Select 'PhonePe' -- Tap on 'Storage Usage' -- Tap on 'Clear Cache'. ∞SA
sai santosh kottakota
December 24, 2022
I cannot open "To mobile number" section since more three weeks as far as i can remember. I click on it, it shows a loader and reloads the homepage and that's it. I don't know if this is related or not but the same thing happens with "Theme" settings. There's no way to report such bugs in the app, so i had no choice but to write a review. Love your work, love the UX. The app almost always feels light and fast.
7,187 people found this review helpful
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December 24, 2022
Hi Sai! That's not good to hear. Please ensure that the app is updated to the latest version. If the issue still persists, clear the cache files- Open your phone's 'Settings'--Tap on 'App Management'--Select 'PhonePe' -- Tap on 'Storage Usage' -- Tap on 'Clear Cache'. Reach out to us via for any assistance. ∞JP
Md Junaid
December 5, 2022
The UI is smooth and also works with weak data connection although it's my personal opinion. All my transactions are fast and never faced any problem related to failed transfer or anything. I'm loving this App. Edit: Whenever I try to pay to a bank account it takes a lot of time to add that bank account, mostly it fails to add the account number. So that's a problem for me, giving it a four star now
9,293 people found this review helpful
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What's new

KYC for Insurance on PhonePe is now easier with just 3 steps
Complete your KYC for Insurance in only 3 easy steps. PhonePe's new update makes it possible! Update now and complete your KYC seamlessly.