PhonePe UPI, Payment, Recharge

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10.5M 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
Nov 20, 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

Ratings and reviews

10.5M reviews
Ravi Prakash Jangid
September 26, 2023
Reliable, easy to use and fast! Edit: Suggestion: The app is 80% used for payments. The Scan Icon should be somewhere in the center or at the bottom of the screen. Currently the scan icon is on the top of the screen, which is not easily accessible. Specially old people with unsteady hands and low eyesight struggle to click on the scan icon. The UI/UX team should focus more on the usability
18,480 people found this review helpful
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Anish Mahajan
November 26, 2023
UI is good and faster payments,however there are too frequent updates.As a user its irritating to get a pop up every time I open the app. Plz don't deploy/push the changes,unless they are significant. Instead of 1 or 2 week sprint,make it a 3 week or a month sprint. To Reiterate, from a end user perspective, doesn't make sense to update the app every 1 -2 week.
27 people found this review helpful
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November 26, 2023
Hi, Anish. Your feedback is important to us. We have taken note of your feedback and will share it with the relevant team for consideration. ∞AR
atul kevat
November 13, 2023
my experience with the PhonePe application has been positive. However, I'd appreciate it if the developers could consider 'adding a feature to delete chat history'. Currently users are unable to remove their chat history, and addressing this limitation would enhance the overall user experience. Apart from this everything else seems to be working well.
192 people found this review helpful
Did you find this helpful?
November 13, 2023
Hi, Atul. We value your feedback. Ideally, PhonePe chat history cannot be deleted. However, we appreciate your feedback and will pass it on to the relevant team for consideration. Stay tuned to our official channels. ∞AR

What's new

UPI Lite
- Experience super-fast payments with near-zero failures
- Pay upto ₹200 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
Insurance on PhonePe:
- Get health insurance plans & pay premiums monthly
- Choose from multiple IDV options for your car & bike insurance
- Get assistance with your queries while claiming insurance

App support