PhonePe for Android

  • Free
  • In English
  • V 4.1.18
  • 4.3
  • (329)

Softonic review

Joe Wainer
Joe WainerUpdated 5 months ago

A free and reliable digital wallet

PhonePe is a free finance mobile app that enables you to easily handle your online banking needs. This digital wallet platform is also a popular Indian online payment company and lets you link your bank account to transfer and request money safely within the comforts of home. However, note that this app, and its affiliated services, are only available in India.

Is PhonePe a government app?

Officially known as “PhonePe – UPI, Recharges, Investments & Insurance,” PhonePe is an online payments app that combines all of your banking transactions in one place. With it, you can manage your credit and debit cards easily, as well as pay bills via your mobile device. Additionally, the app allows the setting up of investments and insurance, so you don’t have to use other platforms for these more complicated transactions.

This online payment service was founded in 2015 as a private financial service business. As it is based on the Unified Payments Interface (UPI), which is an instant real-time payment system developed and approved by the banks of India, you can do banking transactions without much hassle. The app is basically licensed by the government but doesn’t rely on it for everything and is more of an independent e-commerce platform.

Is the PhonePe app safe?

Since PhonePe is a UPI-based mobile payment app, you can expect transactions to be secure. You can do the usual money-sending and requests from your contacts, and you can transfer funds via mobile numbers and bank accounts, too. The app lets you use BHIM UPI—BHIM being another Indian mobile payment—and this is great for checking your account balances, beneficiaries, and such as this app is affiliated with other banks.

Additionally, you can recharge your mobile and internet connection credits using the app. If you have any credit bills and utility bills due, you can pay them off and even set automatic payments. The app is also quite handy if you’re a frequent user of apps for food delivery, shopping, and travel expenses. You can set up contactless payments with it and earn credits along the way. It’s important to note that this service is closely affiliated with Flipkart, a popular Indian online store.

Due to the number of services available, you can be sure that the app safe to use. However, users may have concerns regarding transaction processing. For one, you may often get delayed confirmations because of the servers. It can be a bit of a hassle, especially if you are pressed for time. Another thing is that you will have to enable lots of permissions for this app, such as location-tracking, accessing your mobile device’s contacts, and more.

Your easy payment portal

All in all, PhonePe is quite popular for a good reason. It’s a trusted platform, and this mobile app makes things much more convenient for users who frequently do online transactions—whether for banking or simple shopping. While it has server issues at times, it’s still a reliable app to have if your lifestyle leans more towards using a digital wallet.


  • Affiliated with banks and other services
  • Easy sending and requesting of money
  • Lets you link your bank account
  • Can handle going over investments and insurance plans


  • The servers can be slow at times
  • Needs a lot of permissions enabled

Older versions

Also available in other platforms

Program available in other languages

PhonePe for Android

  • Free
  • In English
  • V 4.1.18
  • 4.3
  • (329)

User reviews about PhonePe

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