PhonePe UPI, Payment, Recharge

PhonePe

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About this app

PhonePe is a payments app that allows you to use BHIM UPI, your credit card & debit card or wallet to recharge your mobile phone, pay all your utility bills and to make instant payments at your favourite offline & online stores. You can also invest in mutual funds & 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 & 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 etc.
- Pay online for travel booking from Makemytrip, Goibibo etc.

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

Buy/Renew Insurance Policies with PhonePe Insurance App

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

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

Other Insurance
- PA Insurance: Insure yourself against accidents & disablement
- Travel Insurance: Get international travel insurance for business & 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.

Repayment Period: 6 - 36 Months
Maximum APR: 30.39%

Example:
Loan Amount: ₹1,00,000
Tenure: 12 months
Rate of Interest: 24.49% per annum
Processing Fee: ₹2,500 (2.5%)
GST on Processing Fee: ₹450
Total Interest: ₹13,756.27
EMI: ₹9,479.69
Maximum APR: 30.39%
Amount Disbursed: ₹97,050
Total Repayment Amount: ₹1,13,756.27

We offer loans from some of India's biggest lenders - Aditya Birla, Piramal, IDFC First, L&T Finance, and Credit Saison India.

Mutual Funds & Investments App
- Liquid Funds: Get higher returns than savings bank
- Tax-Saving Funds: save up to ₹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 & 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, 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 & online outlets and across the PhonePe app.

Manage your refunds
- Manage & track refunds from your favorite shopping websites on PhonePe.
For more details, Visit www.phonepe.com

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 & let user choose
Microphone: to carry out KYC video verification

Ratings and reviews

I know I'm not the first person to give this feedback but the new UI is a disaster. I don't know what you did in the background and if it was a tech stack upgrade but it spoiled everything. Using the app without the dark mode is the most unpleasant experience. The previous version itself was amazing and we all got used to it very well. As a user I don't see a need for a new UI. You have tried to fix something that was not broken. Please bring back the old UI.

I sent money through PhonePe, the amount was debited from my side but the receiver never got it. When I tried to contact PhonePe, they kept repeating the same answer: “wait 7 working days.” This is not the first time — it has happened 3 times already! Very frustrating experience. Extremely poor customer support, worst app, and worst company. 🤬

Best And Superfast App...But, not working properly from the last month. I can scan any barcode and make the payment through it. But, when opt for mobile transfer to any person, my keyboard does not pop up. Not at all. Please help, as I tried everything. I cleared its data, cache, and even unistalled & reinstalled the app. But, all in vain. I have not been able to understand the problem even after looking for it on google & Youtube.

What’s new

A fresh look and powerful new features:

Redesigned interface: A modern, intuitive design for easier financial management
Better navigation: Redesigned bottom bar for quick access to scanner, alerts & transaction history
Smarter categories: Dedicated sections like Savings and Commute.
Powerful global search: Find contacts, bills, features & more with just a few taps

India's most trusted financial app is now even better.