PhonePe UPI, Payment, Recharge

Contains ads
10.8M 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 PhonePe Insurance App

Health Insurance
- Compare and buy Health Insurance with monthly premiums
- Medical insurance from India’s best rated insurance companies
- Health insurance for professionals, senior citizens and families

Motor Insurance
- Bike Insurance: Get policies from India’s best rated bike insurance providers for your 2-wheeler protection
- Car Insurance: PhonePe has policies from India’s best rated car insurance providers for your 4-wheeler protection

Personal Accident Insurance
- Insure yourself against accidents & disablement

Life Insurance
- Compare and buy Life Insurance with monthly premiums
- Term life insurance from India’s best rated insurance companies at best prices

Travel Insurance
- Domestic Multi-Trip Insurance: Get domestic travel insurance for business and leisure trips
- International Trip Insurance: Get international travel insurance easily

Shop Insurance
- Insure your shop to protect against losses due to fire, natural calamities, and burglaries.

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, 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 20, 2024

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

Ratings and reviews

10.8M reviews
Vaibhav Suvarnkar
February 16, 2024
Title: Seamless and Efficient Transactions Rating: ⭐⭐⭐⭐⭐ I've been using the Phone Pay app for a while now, and it has truly revolutionized the way I handle transactions. The user interface is intuitive and user-friendly, making it easy to navigate through various features. One of the standout aspects is the seamless integration with multiple payment options. Whether it's transferring money to friend
1,412 people found this review helpful
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A Google user
February 10, 2024
Clean interface with not too many add or selling banners like other UPI app. (read Paytm). Phone pe used to be good till recent update. Despite setting up credit card bill payment, still have to enter the card number again! Good for UPI, however, wallet feature does not have wide acceptance that Paytm Wallet. has and is certainly slower than its rivals. Frequency of transactions getting stuck is more, and overall app functioning/processing is also slower, compared to its rivals.
2,843 people found this review helpful
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Sayan Roy
February 2, 2024
The overall experience with PhonePe is good for me..I'm using it from the beginning.. kindly change the UI a little bit more and remove ads or reduce it.. and why the qr scanner is in the top right should be in the middle for handy reach out.. make the app more fluid the bottom of the app make qr scanner and balance check section and and show your qr not the insurance, credit etc..Hope developers will listen to this suggestions.. Thank You .. 😊
4,175 people found this review helpful
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What's new

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.