APK
Google Play 
App StoreEditor's Review
PhonePe is your all-in-one payments and investment app, designed to make your financial life easier and more secure. 🤩 With PhonePe, you can use BHIM UPI, credit cards, debit cards, or your wallet to handle a variety of transactions. From recharging your mobile 📱 to paying utility bills 💡 and making instant payments at your favorite stores 🛍️, PhonePe has you covered. Plus, you can invest in mutual funds 📈 and buy insurance plans 🛡️ directly through the app!
Key Features and Benefits:
Seamless Money Transfers and UPI Payments: Link your bank account and transfer money instantly with BHIM UPI. Manage multiple bank accounts, check balances, and save beneficiaries across various banks like SBI, HDFC, and ICICI. 🏦
Online and Offline Payments: Make online payments on popular shopping sites like Flipkart and Amazon, and pay for food orders from Zomato and Swiggy. 🍕🍔 Scan and pay via QR codes at local stores for groceries, medicines, and more. 🛒
Insurance Solutions: Buy or renew insurance policies directly within the PhonePe app. Options include health insurance, term life insurance, car insurance, and two-wheeler insurance. 🚗🛵 Protect yourself and your loved ones with comprehensive coverage.
Investment Opportunities: Invest in mutual funds and explore various investment options. Choose from liquid funds, tax-saving funds, equity funds, debt funds, and hybrid funds. You can also buy and sell 24K pure gold. 💰
Loans: Get access to pre-approved personal loans with attractive interest rates and flexible repayment options. The digital loan onboarding process is seamless and quick. 💸
Recharges and Bill Payments: Recharge your mobile and DTH services for providers like Jio, Airtel, and Tata Sky. Pay your credit card bills, landline bills, electricity bills, water bills, gas bills, and broadband bills all in one place. 🧾
PhonePe Gift Cards: Purchase PhonePe Gift Cards for easy payments across a wide network of online and offline outlets. 🎁
Refund Management: Easily manage and track refunds from your favorite shopping websites directly on PhonePe. 📦
Permissions:
- SMS: To verify your phone number during registration.
- Location: Required by NPCI for UPI transactions.
- Contacts: To facilitate sending money and recharges to your contacts.
- Camera: To scan QR codes.
- Storage: To store scanned QR codes.
- Accounts: To pre-populate your email ID during signup.
- Call: To detect single vs dual SIM and allow user choice.
- Microphone: To carry out KYC video verification.
Features
UPI payments and bank transfers
Online payments for shopping and food
Offline payments via QR code scanning
Health and term life insurance options
Car and two-wheeler insurance
Personal loans with flexible repayment
Mutual funds and investment options
Mobile and DTH recharge services
Bill payment for utilities and credit cards
PhonePe Gift Cards for easy payments
Pros
Seamless UPI payments and money transfers
Wide range of investment options available
Convenient bill payment and recharge services
Insurance policies for various needs
Pre-approved personal loans with attractive rates
Cons
Interest rates on loans can be high
Requires multiple permissions for full functionality
