A Giant List Of UPI Apps To Fix Your Demonetization Woes

It’s nearly been a month since the country attempted to shift from cash to digital. Only time will tell whether demonetisation can actually bring in the benefits it promised, but for now our concern is how to avoid the long queues at banks and ATMs and adjust to the cashless economy.

People have flocked to digital wallets when faced with the cash crunch. Digital wallets come to the rescue while booking a cab, paying bills, ordering food and buying grocery at local markets, courtesy the economic overhaul.

But the Indian government already has an elegant digital payments system in place. Called the UPI, or the United Payments Interface, it can take over several functions of a mobile wallet, and handily, most major banks have come out with their UPI apps. And we’ve complied a list of UPI apps to help you tide over the cash crunch.

UPI

What is UPI?

UPI or Unified Payment Interface was launched by National Payments Corporation of India, along with Reserve Bank of India, on April 11, 2016 to facilitate the country’s transition from cash to digital. Any smartphone user with account in any UPI enabled bank can download the UPI app, create profile and get a virtual ID that will be used for every transaction and purchase. It’s as simple as sending a text message, NPCI claims.

UPI can be used for both sending and receiving money. Users are not required to provide credit or debit card numbers, net banking password and IFSC code for transactions through the app. While in case of mobile wallets the transaction is limited to Rs. 10,000, UPI allows Rs. 1 lakh. It can be said that using UPI is quite safe as there is no need to share sensitive information. One unique virtual address, and you are good to go.

List of UPI apps for smartphone users

UPI can be accessed in 21 banks across the country, barring 5 – Indian Overseas Bank, Indian Bank, Syndicate Bank, Corporation Bank and Punjab and Sind Bank are yet to make the move.

Here’s a list of UPI apps that are currently available, with their Play Store ratings.

SBI PaySBI UPI

Bank – State Bank of India

Available on – Android 4.2 and above.

Version – 1.0

Play store rating – 2.7

HDFC Bank Mobile BankingHDFC-bank-UPI

Bank – HDFC

Available on – Android and iOS 6.0 and above.

Version – Varies with device

Play store rating – 4.2

Axis Pay UPI AppAXIS UPI

Bank – Axis Bank

Available on – Android 4.1 and above.

Version – 1.0

Play store rating – 3.9

PNB UPIPNB-UPI-APP

Bank – Punjab National Bank

Available on – Android 4.0 and above.

Version – 1.1.2

Play store rating – 3.7

Union Bank UPI Applist of upi apps

Bank – Union Bank

Available on – Android 4.0 and above.

Version – 1.0.37

Play store rating – 3.6

United UPIlist of upi apps

Bank – United Bank of India

Available on – Android 4.0 and above.

Version – 1.0.42

Play store rating – 3.8

Maha UPIlist of upi apps

Bank – Bank of Maharashtra

Available on – Android 4.1 and above.

Version – 1.0.1

Play store rating – 4.3

PhonePelist of upi apps

Flipkart launched PhonePe as a one-stop solution to enable users to enjoy UPI transfer without downloading the app from their banks.

Available on – Android.

Version – Varies with device

Play store rating – 4.2

Customers of the following banks can also have access to UPI app via Google play store. An Android supported mobile is all you need.

Canara Bank

Available on – Android 4.1 and above

Version – 1.3

Play store rating – 4.0

Andhra Bank

Available on – Android 4.0 and above

Version – 1.0

Play store rating – 3.7

UCO Bank

Available on – Android 3.0 and above

Version – 1.0.0

Play store rating – 4.0

Vijaya Bank

Available on – Android 4.0 and above

Version – 1.0.41

Play store rating – 3.7

South Indian Bank

Available on – Android 2.3.3 and above

Version – 4.1.0

Play store rating – 4.1

Karnataka Bank

Available on – Android 4.0 and above

Version – 1.0.3

Play store rating – 3.9

Oriental Bank of Commerce

Available on – Android 4.0.3 and above

Version – 1.1

Play store rating – 3.4

DCB Bank

Available on –  Android 4.0 and above

Version – 1.0

Play store rating – 4.2

Federal Bank

Available on – Android 4.0.3 and above

Version – 1.2

Play store rating – 4.2

TJSB Sahakari Bank Ltd.

Available on – Android 4.0 and above

Version – 1.0

Play store rating – 3.7

The Catholic Syrian Bank Ltd.

Available on – Android 2.2 and above

Version – 1.6

Play store rating – 4.2

ICICI Bank

Available on – Android and iOS

Version – Varies with device

Play store rating – 4.3

Allahabad Bank

Available on – Android 3.0 and above

Version – 1.0.3

Play store rating – 4.4

Standard Chartered Bank

Available on – Android 4.0 and above

Version – 2.5.5

Play store rating – 3.8

 

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