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.
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 and single click self serve modules are some of the salient features being offered.
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 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
- 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, 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
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Screenshots
User Rating
4.71 out of 5
5,777,853 ratings
in India
5 star
4,814,769
4 star
571,607
3 star
197,008
2 star
80,359
1 star
114,110
Ratings History
Reviews
too slow for the push notifications
I have made a payment to pay the electricity bill and i putted the upi id of my phonepe… It took almost 1 minute to show the push notification of that payment in the same time if I use paytm for it it showed within a second and not even today Most of the time I experienced this even if someone has sent money it shows the notification on a delay…Kindly make improvements on this side… Thanks
Phone pe good security is powerful
👌👌👌
Review of phone pay
Very smooth to use keep it 👍🏻
Not able to use latest phonepe app
Not able to use latest phonepe app it is asking for IOS 17 which is not available for Iphone X.
Chetan Bhoi
Awesome transaction speed and quick response
I like it
Poor customer support
Don’t download this app. Very poor customer support. And rude behave.
Worst service
You just can not track your own payment
Nor you call or massage for your ticket on support or phone pe app, Even you can not call back to confirm your ticket status they just cut your call on IVR itself.
When I have called on toll free the support person is just don’t care about my issue and also not ready to transfer my call to any senior.
pathetic experience
this app does not allow credit card to be used while making merchant payment. their support is even more pathetic and have difficulty in understanding the problem. i have uninstalled it
Almost perfect
Works great but would have been best to have Siri integration along with it.
Better but needs Improvements
This app is better than any other UPI app if you concern your privacy because other apps like google pay collect unnecessary diagnostic and usage data from you. This app is better from others but not that great itself because of two reasons and these are also the two reasons i would like to suggest the phonepe team to improve immediately.
(1) the customer care service is truly very poor and there is not calling service which really is a necessity for so many of us.
(2) the platform service for doing mobile recharges is generally higher, even from the other UPI apps. Kindly improve among these and become the best for us.
Thank you.