Through UPI, you can make payments directly from your bank account, just like you pay through debit card, net banking or check book. For this your mobile number should be registered with your bank. It is used to verify the account. Whenever you sign up for the UPI app, the system does the verification with your mobile number. Once the mobile number is verified with the UPI app, you can create a Virtual Payment Account (VPA). With this MPIN can be created which can be used for transactions.

As on date, around 30 banks have joined the UPI platform. Apart from this, more than 20 UPI apps are also available in Google Play and Apple App Store. The beauty of the UPI system is that you can register on the Axis Bank UPI app. And with this you can link the account of HDFC or Union Bank. Some UPI apps also act as mobile wallets. At the same time, through some apps, you will be able to recharge mobile and DTH. These include the Pocket app of ICICI Bank and the PhonePe app in partnership with Flipkart and Yes Bank.

You are liable to service tax along with a charge of Rs 5 for transacting through the UPI app. The same charge is also charged by banks for IMPS banking.

UPI Apps Download Links

1. SBI Pay: Android

2. HDFC Bank Mobile Banking: Android, iOS

3. ICICI Pockets: Android, iOS

4. Axis Pay UPI App: Android

5. Union Bank UPI App: Android

6. PNB UPI: Android

7. PhonePe: Android

8. Canara Bank UPI-EMPower: Android

9. United UPI: Android

10. Andhra Bank One- UPI App: Android

11. UCO UPI: Android

12. Bank of Maharashtra – Maha UPI: Android

13. VIJAYA UPI: Android

14. South Indian Bank- SIB M-Pay (UPI Pay): Android

15. KBL Smartz (UPI): Android

16. OBC UPI PSP: Android

17. UPI Bank Transfer with Friends: Android

18. DCB Bank UPI App: Android

19. LOTZA-UPI: Android

20. Tranzap – UPI: Android

21. CSB UPI: Android