Home Top 5 Top 5 Best UPI Apps of Leading Banks in India

Top 5 Best UPI Apps of Leading Banks in India


Top 5 Best UPI Apps of Leading Banks in India

Here is the list of Top 5 Best UPI Apps of Leading Banks in India. Have you heard about UPI apps? This is the recent trend in banking sector. The Unified Payments Interface (UPI) is well known and secure payment system by NPCI that allows customers to transfer funds between accounts in convenient and safe manner.

So many banks have developed UPI mobile apps for easy payments. There is need of a Virtual Payment Address (VPA) for these kinds of UPI apps. This is a unique identifier that you set and link to your bank account. Here we have enlisted India’s top Bank’s UPI application to experience the unique way of making payments in a simple manner.

1. Axis Pay UPI App

Axis Bank offers Axis Pay which is a Unified Payments Interface(UPI) application. With this app you can transfer funds from any bank account using a Virtual Payment Address (VPA). There is no need to remember beneficiary details. Using a Virtual Payment Address send or Ask for money. VPA is important in using this app instead of account number and IFSC to make or receive various payments. 

Key Features of Axis Pay given here. All Axis Bank or Non Axis Bank customers can send money or ask for money using this Axis Pay app. This is possible without knowing their bank account details. You can also Transfer funds to a Virtual Payment Address(VPA) or to an Account Number with this app.

Just Add beneficiary instantly by just using Virtual Payment Address (VPA). There is need to remember or enter the bank account number and IFSC. In order to check balance of linked bank accounts you can use this app. Those fund transfers are instant, 24*7, 365 days and absolutely free of cost. 

2. Pockets UPI App

Pockets-UPI app offered by ICICI Bank. Use this comprehensive mobile wallet to Pay Anyone, Shop Anywhere and Bank with ease for bank’s customer. This is the first app in India to offer UPI, NFC and QR code based payments options. There is option to get a free virtual VISA card that can be used for shopping with online websites/apps. Use this app to recharge your prepaid mobile or DTH connection and pay your utility bills.

The app supports sending money securely to bank accounts, your contacts or virtual payment addresses. Key features of the app given here, You can Shop Anywhere with the VISA Card. This is the Pockets pre-paid wallet to shop online on websites such as Amazon. The NFC Touch & pay option enable in-store contactless payments with your smartphone near Near Field Communication (NFC) enabled merchant shops.

The Scan & pay facility offers secure cashless payments by scanning mVISA QR codes or UPI QR codes at merchant locations.  You can Pay Anyone, Transfer funds,  Prepaid Mobile Recharge ( Airtel, Vodafone, Idea, Reliance, Tata, Aircel, BSNL, MTS & MTNL connections), Bill Payment (Reliance Energy, BSES, NDPL, BEST, MSEB, Torent, Mahanagar Gas, Indraprastha Gas, Gujarat Gas), Postpaid Mobile & Land Line Bill Payment, DTH connection recharge and Data Card Recharge (Tata Photon, MTS, Reliance cards) with this app.

This app also allow you to book Movie tickets of INOX, Big Cinemas, Fun Cinemas and Purchase Gift Vouchers of top brands such as Bookmyshow, Dominos, Café Cofee Day. You can apply from within the app for Savings Account. You can also create regular FD/RDs. iWish Deposit is a flexible Recurring Deposit with best interest just like a Fixed Deposit. 

3. Canara Bank UPI App – eMpower

“eMpower” is the well known Unified Payment Interface (UPI) app from Canara Bank. So the app empowers Canara Bank and other Bank customers to perform pay and collect transactions. This simple app allow Users to operate their multiple Bank accounts. There will be a Virtual Address which can be set for each of your Bank accounts.

There is no need to expose your account number, IFSC, Mobile Number to anyone. This can also used to pay and settle bills. Key Advantages of the app includes Real time 24×7 Fund TransferCollect Money from others, Send Money using Virtual id, Account No + IFSC, Aadhar, Mobile Number + MMID etc.

There is also benefits like Add Multiple Bank Accounts in same application and Multilingual language support.- English & Hindi. There is no need to remember or share account details.The app uses your Bank’s Mobile Banking MPIN. In order to register:- simply Create your profile. Then Create Virtual Address for linked account. Now you can Add/Link your Bank account. You can Register for Mobile Banking on-the-fly and Set MPIN for selected account.


Punjab National Bank UPI application allow Customer to Pay or collect money requests to their contacts. The account details remain confidential. Customer can manage the account in single platform by adding accounts of different banks. You have to follow few transaction step. This includes User profile registration, Bank accounts creation, Payment address creation, Authentication, Authorization and finally PIN generation.

The Core transaction functionality includes Pay request, Collect request, Collect request approval (Payer approval through Mobile application), Debiting / Crediting Payer / Payee accounts, Virtual address resolution for NPCI-UPI, Support for all 2-party, 3-party and 4-party models of NPCI UPI and Third party address book management. 

In order to use Punjab National Bank UPI application, the basic requirements includes An android phone with internet services, An operative bank account, the mobile number being registered with UPI, must be linked to the bank account and Active debit card relating to this account for creating mPIN. To register in the PNB UPI app, first tap CLICK ME to verify your mobile number.

Then an SMS will be sent for verification from your mobile (from the mobile number registered with the bank accounts. Once your mobile number is verified, the New Registration screen is displayed. Just fill the required details. Then you can Create six digits numeric password for logging in to application and then confirm it.

5. Union Bank UPI App

Union Bank also offers UPI (Unified Payments Interface) application. This is one of the best payment system that allows you to transfer money between any two parties. This UPI App simply allows customer to instantly transfer money to someone. The system use IMPS payment framework, without having to know their bank account number or IFSC code. Union Bank UPI App is a great one with lots of advantages.

It supports Real time settlement of Funds. There is No need to remember or share account details. You can simply Collect Money from others when there is a need. There is option to Send Money using Virtual id, Account No and you can Add multiple bank Account in same application. Steps to register with Union Bank UPI App is easy. First just Create your profile, then Add bank account. Now you need to Create Virtual Id for linked account. Finally Set PIN for selected account. 


Please enter your comment!
Please enter your name here