PhonePe UPI, Payment, Recharge

Secure UPI, Money Transfer, Recharge, Bill Payment, Mutual Fund, Gold, Insurance

PhonePe UPI: Secure Payments & Recharge

PhonePe UPI, Payment, Recharge is a comprehensive payments app that enables users to conduct UPI transactions, recharge phones, pay utility bills, invest in mutual funds, and buy insurance. With options for both online and offline payments, it supports multiple bank accounts and provides a secure platform for various financial needs, all in one app.
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App stats

By: PhonePe
Version: 25.01.10.0 (Last updated: 2025-02-10)
Version code: 25011004
Creation date: 2016-10-14
Permissions:
  • android.Manifest.permission.ACCESS_FINE_LOCATION
  • android.Manifest.permission.READ_PHONE_STATE
  • android.permission.ACCESS_COARSE_LOCATION
  • android.permission.ACCESS_FINE_LOCATION
  • android.permission.ACCESS_NETWORK_STATE
  • android.permission.ACCESS_WIFI_STATE
  • android.permission.AUTHENTICATE_ACCOUNTS
  • android.permission.BLUETOOTH
  • android.permission.BLUETOOTH_ADMIN
  • android.permission.CALL_PHONE
  • See more
Size: 158.23M

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App summary

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, Grofers 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. Attractive interest rates, easy repayment options & single click self serve modules are some of the salient features being offered.

Repayment Period: 6 - 36 Months
Interest Rate: Max 30% (Reducing)

Example:
Principal Amount: ₹100,000
Interest Rate: 15% p.a. (Reducing)
Processing Fees: 2%
Tenure: 12 Months
Total interest amount payable: ₹8309.97
Total processing fee amount payable: ₹2000
Total cost to the user: ₹110,309.97

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, 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 & 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

User reviews

These summaries are automatically generated weekly using AI based on recent user reviews. Google Play Store does not verify user reviews, so some user reviews may be inaccurate, spammy, or outdated.
Pros
  • Streamlined design for an easy user experience
  • Efficient and optimized for quick transactions
  • User-friendly interface that is smooth and fast
Cons
  • Inability to auto-read OTP from SMS for certain bank accounts
  • Poor customer support and lack of responsive assistance
  • Frequent technical issues with transactions and payment failures
  • Problems with account setup and linking, especially for international numbers
  • Annoying ads and excessive promotional content
Most mentioned
  • Issues with OTP auto-read functionality
  • Customer support is unresponsive or non-existent
  • Transaction errors causing money to be debited but not credited
  • Difficulties in account creation and linking, particularly for NRI users
  • Frequent technical glitches causing transaction delays or failures
User reviews
by Anonymous, Invalid Date

Seems like a good app as I have seen others using it. However I haven't been able to create an account using my US number. When I try to link my nri account it gets the code in sms and reads it properly but keeps complaining maximum attempts reached. I tries after 24 and 48hrs with no success. Their support is useless as it sends you an automated message asking you to contact on app or on their website but you can't as it fails to login and you can't send a message without logging in!
by Bhavani Yetirajam, 2025-01-28

There is very strange bug in your app, whenever I try to add a UPI ID, after inputing ID clicking save it redirect me to do a payment. That is very strange thing to do! Even if I perform payment it still won't save it. I have decreased the rating from 5 to 3, fix it and gain full 5 stars again
by Jaskirat Pianist, 2025-01-28
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