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  • PhonePe: UPI, Gold, Insurance screenshot 1
  • PhonePe: UPI, Gold, Insurance screenshot 2
  • PhonePe: UPI, Gold, Insurance screenshot 3
  • PhonePe: UPI, Gold, Insurance screenshot 4

About PhonePe: UPI, Gold, Insurance

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 & Term Life Insurance - Compare and buy Health & Term life Insurance with monthly premiums - Coverage for individuals, senior citizens and families Car & Two Wheeler Insurance - Browse and get India’s most popular bike and car insurance - Buy/renew your car and bike Insurance in less than 10 minutes Other Insurance - Personal Accident Insurance: Insure yourself against accidents & disablement - Travel Insurance: Get international travel insurance for business and leisure trips - Shop Insurance: Insure your shop against fire, theft, natural calamities, and burglaries. Mutual Funds App and Investments App - Liquid Funds: Get higher returns than savings bank - Tax-Saving Funds: save up to Rs. 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 and stability - Buy or Sell 24K Pure Gold: Assured 24K purity, build gold savings on our app Recharge Mobile, DTH - Prepaid Mobile Recharge, DTH - Recharge for Airtel, Jio, Vi, BSNL and MTNL prepaid mobile numbers - Recharge DTH set-top boxes for TataPlay, Airtel Digital TV, Sun Direct, Dish TV and D2H providers. 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 https://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 and let user choose Microphone: to carry out KYC video verification

Ratings & reviews

4.7

172K ratings

5 ★ 86% 4 ★ 7% 3 ★ 3% 2 ★ 1% 1 ★ 2%

What’s new

Version 26.0828.18 · Updated September 30, 2026

India's most trusted finance app, reimagined around you: 1. Apply for the PhonePe credit card & enjoy rewards on every spend. 2. Categories you need, in one place - Insurance, Digital Gold, Travel & Transit, Mutual Funds & much more. 3. Search anything, anytime - find & pay contacts, pay bills, find features with just a tap. 4. Experience a fresh, modern interface for effortless payments using UPI & cards.

App privacy

The developer, PHONEPE PRIVATE LIMITED, reported these privacy practices to Apple.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data: Advertising Data

Data Linked to You

The following data, which may be collected and linked to your identity, may be used for the following purposes:

  • Identifiers: User ID

Used for: Analytics, Product Personalization

Data Not Linked to You

The following data, which may be collected but is not linked to your identity, may be used for the following purposes:

  • Location: Precise Location, Coarse Location
  • Identifiers: Device ID
  • Usage Data: Product Interaction, Advertising Data
  • Diagnostics: Other Diagnostic Data, Crash Data, Performance Data
  • Purchases: Purchase History
  • Financial Info: Payment Info
  • Contact Info: Physical Address, Email Address, Name, Phone Number
  • Contacts: Contacts
  • User Content: Customer Support

Used for: Developer’s Advertising or Marketing, Analytics, Product Personalization, App Functionality

Alternatives to PhonePe: UPI, Gold, Insurance

Looking for apps like PhonePe: UPI, Gold, Insurance? Here are 6 similar apps on the App Store. The highest rated is iMobile: Loan, Cards & Banking (4.8/5), and all 6 are free to download.

PhonePe: UPI, Gold, Insurance vs. alternatives
App Rating Price Last updated
PhonePe: UPI, Gold, Insurance 4.7 / 5 (172,907 ratings) Free September 30, 2026
Paytm: Secure UPI Payments 4.7 / 5 (39,731) Free Sep 29, 2026
YONO SBI: Banking, UPI & Pay 3.3 / 5 (2,929) Free Sep 30, 2026
iMobile: Loan, Cards & Banking 4.8 / 5 (68,708) Free Aug 28, 2026
HDFC Bank App: Banking & Cards 4.8 / 5 (13,186) Free Sep 10, 2026
BHIM Bharat's Own Payments App 4.4 / 5 (1,391) Free Sep 30, 2026
Axis Bank Mobile Banking 4.6 / 5 (7,383) Free Sep 24, 2026