- Date : 28/12/2021
- Read: 5 mins
- Read in हिंदी: भारत के टॉप 10 डिजिटल वॉलेट और यूपीआई प्लेटफॉर्म्स
You may or may not be using one. But either way, it is important to know the top wallets and UPI apps in India today.

A digital wallet or e-wallet is a software program that enables users to conduct easy purchases and make payments through their smartphones or computers. It is a virtual wallet in which cash can be stored to make online payments, and you can receive money in it as well.
What is a UPI App?
A Unified Payment Interface app or UPI app is an authenticated smartphone application designed to cater to the needs of users by allowing the transfer of money between bank accounts. UPI transactions amounted to Rs 7.71 trillion in Q3, 2021 as per the Worldline India's India Digital Payments Report. In the same period, UPI transactions saw a 103% increase in the number of transactions. Apparently, there is a growing demand for digital wallets in India in the e-commerce sector as well as in everyday transactions.
Here are ten top digital wallets and UPI payment apps in India:
Also Read: Tired Of Manually Tracking Your Money? These Apps Can Help
1. Google Pay (GPay)
A part of the Google network, this is today one of the best UPI apps in India. As GPay connects with your bank account, no additional KYC or wallet reloading is required. You can recharge your phone, send money to others, pay utility bills, and make online purchases.
Charges and AMC: Applicable fees (if any) are intimated to the user before the transaction is completed.
Play Store rating: 4.2
2. PhonePe
This presently stands second in the UPI app list with 100 million downloads. According to user reviews, PhonePe gives one of the fastest and safest UPI app experiences. You can make online bill payments, phone recharges, and money transfers.
Charges and AMC: A nominal Rs 1-2 per transaction
Play Store rating: 4.3
3. Dhani
Dhani, from the Indiabulls group, is not limited to being an e-wallet. It can be combined with Dhani SuperSaver Card, a physical and virtual card. Along with phone recharge and EMI payments, you can play games and win cash to pay for the same.
Charges and AMC: A maximum of Rs 10 per month
Play Store rating: 3.8
Also Read: The Best Apps To Help You Track And Save Money
4. BHIM Axis Pay
This UPI banking app allows instant money transfer to anyone through your smartphone. You can recharge your phone and DTH set top boxes online, and conduct regular online transactions.
Charges and AMC: None
Play Store rating: 4.0
5. Paytm
Paytm is one of the pioneers of UPI payment apps in India. It offers customers a digital wallet to save money and to make quick payments when necessary. Account holders of Paytm Payments Bank also get a free digital debit card at the time of account opening.
Charges and AMC: No one-time or recurring charges
Play Store rating: 4.6
6. MobiKwik
This unallied payment network allows users to add money to its e-wallet using credit cards, debit cards, or NetBanking. A convenient home cash collection service is also available to make life easier.
Charges and AMC: No wallet-to-wallet charges; 3.45% on bank transfers (excluding taxes)
Play Store rating: 3.9
Also Read: 5 Buy now Pay Later Apps That Make Shopping Easy And Help You Build Credit
7. Yono by SBI
This e-wallet from SBI offers services in 13 languages. In addition to the regular payments and money transfers, it allows customers to set helpful reminders to pay their bills and also issues mini statements.
Charges and AMC: A nominal Rs 1-2 per transaction
Play Store rating: 3.4
8. ICICI Pockets
Users of ICICI Pockets can avail of a virtual Visa card that allows them to transact with any website or phone application in India. It also offers packages and deals from associated brands.
Charges and AMC: Rs 20 per financial transaction (first five transactions in a month are free)
Play Store rating: 3.6
9. HDFC PayZapp
PayZapp from HDFC Bank offers a complete UPI payment solution. From financing your bills and recharges to booking flight and movie tickets and hotel rooms to shopping for groceries, you can do it all very easily.
Charges and AMC: None
Play Store rating: 3.9
10. Amazon Pay
This app allows customers who have Amazon accounts to make payments on external websites such as Big Bazaar. They can also shop on Amazon and pay via easy monthly instalments. It is integrated with the Amazon India Shop and Pay app.
Charges and AMC: 1.95% per transaction (excluding applicable taxes)
Play Store rating: 4.3
These, in no particular order, are the top ten wallets and UPI platforms in India right now. Go on and make your financial transactions easier with one of them!