PhonePe UPI, Payment, Recharge

Contains ads
99.2L reviews
Content rating
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

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

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

98.8L reviews
H N Pallegar
3 June 2023
The app is unreliable. Despite entering correct password, it says that the password/PIN is wrong. To reactivate the app, it requires me to set the PIN afresh. Even after doing this exercise correctly by furnishing the required details, again it says that the PIN is wrong. It seems that some thing is wrong with the app. Imagine the situation when it doesn't work when it's badly required. Developer to pay attention and set right the lacuna.
603 people found this review helpful
Did you find this helpful?
3 June 2023
Hi, make sure that the PhonePe app is updated to the latest version. Also, close all background apps and try again. If the issue persists, click on the link: and share the screenshot. ∞RN
ashish jadhao
19 May 2023
It is one of the best money transfer app which I used... In this time the app is not only money transfer app there are so many new features like pure Gold, silver buy options, insurance , and so on...but sometimes it doesn't work properly money debited from the bank and the receiver couldn't received money... I think this problem should be solved... it was great & trustworthy app I have used this app since 2018....
782 people found this review helpful
Did you find this helpful?
3 June 2020
We count ourselves lucky to have customers like you, Ashish. We look forward to providing you seamless support. ∞SK
Sania Khatun
25 May 2023
I am really disappointed with this app. I have recently downloaded this app and I was trying to register or login in this app but it's showing again and again the same thing that unable to proceed or something went wrong. Also, I have raised this issue two times in the app but they have not responded within 24 hrs. I am really really disappointed with the customer service. I want the app manager to take action against this as soon as possible.
103 people found this review helpful
Did you find this helpful?
26 May 2023
Hi, Sania. We request you to reply to the ticket ID raised with us and our concern team will assist you further with the issue. ∞AK

What's new

UPI Lite
- Experience super-fast payments with near-zero failures
- Accepted everywhere like UPI
- 1-click payment experience. Pay upto ₹200 without any PIN.
- Add upto ₹2,000 and withdraw anytime with no charges.

Rupay Credit Card on UPI
- Now pay with your Rupay credit card on UPI
- No need for CVV and OTP; pay using your UPI PIN
- Check your credit card balance on PhonePe"