By Lal Singh It is like with every passing year, UPI is touching new heights of transactions being done through this system. Just last month, in October 2025, UPI broke its own record of lifetime high payments in one month, which was around Rs 27.3 lakh crore in October. So, no doubt, people in India have fully accepted UPI and are quite fond of it too. But it is also important for you to use the best and safest UPI apps so that your experience is absolutely the best. That is the very reason why we’re here with a list where we’ll talk about the Top 10 Safest UPI Apps in India 2025.
1. BHIM UPI
Do you know that the first-ever UPI transaction in India was done through a BHIM built in 2016? That is the main reason why BHIM is the app that most securely holds the number-one position on our list. It’s the best one out there, like first of all, it is supported by NPCI, then there are no ads, no marketing ploys, just straightforward money transfers. Two-factor authentication, a compulsory UPI PIN, and government-grade compliance protect every tap; thus, you can be at ease even in the case of those 30+ million monthly transactions.
2. Google Pay
How about this for a fun fact: just in December 2024 alone, Google Pay had a value flow of more than ₹8.2 lakh crore, which is approximately the GDP of a small country. Such an incredible extent is the reason why it is still very far from the first place, but in second position nowadays. Google, besides the neat interface, uses device binding, real-time AI fraud alerts, OTP checks, and biometric log-ins to ensure that the account holder is really the one. So safety with Google Pay? Well, that is easily the top-notch one in this space.
3. PhonePe
What if you had to process over 330 million payments in just one day? Well, that’s exactly what PhonePe does. Such an enormous amount of transactions is what gets it to the third position on our countdown. But PhonePe is not simply a high-volume player, nah, it also offers very high security with encrypted transfers, app locks, as well as SIM-level device binding. That protective shell is always there, no matter if you are paying offline through a dynamic QR or investing in mutual funds.
4. Amazon Pay
Did you ever wonder why the refund of Amazon Pay usually takes only a few minutes to appear, while in other cases it takes days? This close-to-instantaneous refund is the main reason why it ranks in the fourth position. Despite the fact that its transaction volume is lower than the big ones, Amazon Pay’s rock-solid security, real-time monitoring, end-to-end encryption, and automatic device authentication give you the feeling that every bill payment or shopping spree is completely secure. And because Amazon Pay is quite literally the only app that pays higher cashbacks, that’s why so many people are fond of it.
5. Paytm
Not many applications can recover from a regulatory shake-up as dramatically as Paytm did in 2024. Sure, it has revived itself in this space once again after the downfall in 2024, but still, it is ranked fifth on this list because of the safety aspect alone. With a monthly volume of 1.1 billion UPI transactions, Paytm secures every wallet, card, and bank transfer with a multi-layered security system, which includes UPI PINs and strong app-lock options.
6. ICICI iMobile Pay
It was in March 2025 that iMobile Pay had more than 730 million UPI transactions, which is quite a phenomenal figure, and even non-ICICI customers were a part of the celebration. The figures are the reason why it ranks sixth. Multi-factor authentication, SIM binding, and fingerprint log-ins are a few of the features that ensure your security. You might think of it like just an online wallet app, but once you give it a shot, you’ll see why so many people out there like it.
7. CRED
Sure, you might only know CRED as this credit card payment app, but the thing is, their UPI payment option works super well too. Apart from the shiny design, CRED secures every transaction through encryption, demands biometric authentication at startup, and provides detailed spending insights. Starting with credit-card payoff till the time there are more than 150 million monthly UPI operations, in fact, everything is happening in a closed ecosystem where privacy and rewards go hand in hand quite well.
8. HDFC PayZapp
No two ways about the fact that the “Swipe to Pay” function of PayZapp looks like an almost fun activity; however, with every swipe, a multifold OTP along with biometric verification is performed. PayZapp, which is powered by HDFC Bank and secured under its award-winning security framework, brings together your cards, wallet, and UPI in a single place for more than 60 million users.
9. Axis Pay (BHIM Axis)
Basically, it is pretty much clear from the super low failure rate of only 0.03% out of 883 million transactions that the company is very stable. And safety? Well, with a strategy of disengaging UPI functions from the primary banking application, Axis manages to maintain a user experience chic and very concentrated. Fraud is kept at bay by SMS verification, UPI PINs, and rapid authentication, which form a strong barrier, while multi-bank support and instant bill payments are there to make sure that day-to-day convenience is not compromised.
10. Mobikwik
With pocket UPI, which is Mobikwik’s latest trick, you can make a payment even in the absence of a typical bank-linked situation. It’s an excellent option for students and people doing gigs. Because of that very thing, along with biometric log-ins and improved fraud filters, Mobikwik is ranked tenth and last. It is really impressive how this app manages these transfers so well, almost 20 million times every month. After the downfall of PayTM, a lot of people switched to this one, and now they’re using it every single day.
Conclusion
There you have it. If you truly want your experience to be THE best with a UPI app, then without a single doubt, choose any of these, and you’ll be good for the most part. These apps are popularly used and have very few problems with the transactions, so it’ll all be super smooth.