Online payment has become more popular and usable especially after the pandemic when things were not easily accessible outside the home. Today, net banking and the use of UPI apps have made life easier and simpler and saved a lot of time, especially in times of emergency and need. It is important to know which are the top wallets or UPI apps that Indians find it most convenient to use. A digital wallet or e-wallet is a software program that helps users to conduct easy purchases through their smartphones or computers. It is more like a virtual wallet where cash can be stored to make future purchases or money can be received from others as well. Below is a list of some famous UPI apps or digital wallets that are commonly used in our country:


More than 100 million downloads of this app every year; users have chosen it over other apps for its easy and smooth payment gateway, hassle-free transactions and offers related to every transaction. It gives one of the safest and fastest UPI app experiences. Bill payments, phone recharges and money transfers are much easier.


It is a part of the Google network and is one of the best money transfer apps in India today. It directly connects with your bank account and therefore there is no hassle to do KYC. From here too, phone recharge, online shopping and bill payments are much more comfortable. There are scratch cards with offers and cash backs for transactions made.


It is one of the pioneers of UPI payment apps in India that offers customers a digital wallet to save money or to make quick payments when required. Account holders of Paytm Payments Bank also get a free digital debit card at the time of opening their account. There are exciting offers for online purchases.


It is an unallied payment network that allows users to add money to its e-wallet using credit cards, debit cards or net banking. It is a genuine home cash collection service to make life comfortable and easier. There are no wallet-to-wallet transaction charges.

BHIM Axis Pay

This UPI banking app allows instant transfer of money to people across the world through just a click of your smartphone. One can do phone recharges, conduct regular online transactions or use DTH set-top box online through this UPI app. There are no additional charges and the network is always smooth for even higher transactions.


It is a UPI app from the Indiabulls group that is not limited to being an e-wallet. It can be combined with Dhani SuperSaver Card which is a physical and virtual card for online transactions. Not only phone recharge and EMI payments, but users can also play games and win cash to pay for the same.

Yono by SBI

This e-wallet service under the registered SBI banking app Yono offers services in 13 languages. Apart from regular payments and money transfers, it allows customers to set helpful reminders to pay their bills and issue mini statements to keep a record of transactions. Operations are controlled by SBI itself and there is rarely any technical problem with transactions.

HDFC PayZapp

PayZapp from HDFC Bank offers a complete UPI payment solution. Right from financing your bills, to mobile recharges or booking a flight or movie tickets, it does all. It is a permanent hassle-free payment solution for HDFC users along with other customers who don’t own an HDFC account. There are no additional charges.

Amazon Pay

A customer must have an Amazon account to make payments on external websites such as Smart Bazaar, etc. Users can also shop from Amazon and pay via easy monthly installments. This e-wallet is integrated with the Amazon India Shop and Pay app. For each Amazon user, Amazon Pay is a must to get refunds or to make online transactions easy.

ICICI Pockets

Users of this UPI app can avail of a virtual Visa card that helps them to transact easily with any website or mobile application in their country. It also offers packages and deals from associate brands. Users can also separately collect and store money from their savings account using this digital wallet to safeguard money and use them when required.

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