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
4.81 out of 5
18,141 ratings
in United Kingdom
5 star
15,985
4 star
1,423
3 star
379
2 star
133
1 star
221
Ratings History
Reviews
Horrible customer care service
The app is good as long as it works. But if you need any help then they just make you loop through their FAQ section. There is no direct way to file a complaint or support request.
My issue: I got a new phone which has two sims. One Indian number and one UK number. I am in India and trying to activate my UPI. To do this the app sends an sms. The problem is that by default the app is sending sms with the +44 code instead of +91 code. I also cannot manually change the code while sending the sms. And this is not an issue with my phone because I activated my UPI on other apps like Google Pay and BHIM using sms and they properly sent it using the +91 code.
Useless for NRI
Cannot register from UK. It asks me to enter UK mobile number, then to enter code. After many attempts no SMS code is ever received. Very poor.
Not getting OTP for UK mobile phones
I tried setting up PhonePe account. The first step is OTP not getting for UK mobile numbers. Hope you fix this issue soon.
AAziz
So far incredible
Rupee pay, about
Rupee Pay is very safe for money transactions.I am happy to use it
Great service
Superbb
NRI discrimination
To join PhonePe one needs to link the mobile number that is linked to the bank account which in turn is linked to PhonePe account. NRIs usually have their respective country’s mobile number linked to their NRO bank accounts. However PhonePe does not allow to set up account using a mobile number other than India mobile number. It is truly shame that when all different banks (SBI, Nationalised, Private and Co-operative) can work with non-Indian mobile numbers, why can’t PhonePe offer that facility? NRIs are unable to use the PhonePe facility which is otherwise a useful way of making UPI payments. PhonePe should change this asap.
App seamlessly working UK
I faced issues with google pay but PhonePe.
Platform / Convenience fee
Why are you charging such fees as other applications are still providing cash back to the clients.
This act of yours can result the deactivation of this app.
Must take an action regarding this .
Regards.
Unable to link my bank account internationally
I tried verifying and linking my bank account while working in UK, but verification message failed to send multiple times
Needs verification via email linked to my Aadhar and Bank account also, if the phone verification process fails
