11 Best Money Transfer App In India - Payment Apps List 2022

author Ankita Content Writer

Whenever we talk about online transactions, the first question that comes to mind is, "will it be a secured transaction"? 

So to answer this question, we have brought you the 11 most secured and best money transfer apps in India.

Also, in this busy world, everyone wants to do things which are easy and consume less time. 

Previously, people used to stand in line outside the banks to transfer or receive money but now, digital transaction has made it easier for people to transfer money within seconds without rushing anywhere.

Nowadays, most people prefer online transactions for their purchases instead of paying in cash, which is also beneficial. Paying online instead of paying in cash is a much safer choice while you are on the go, but sometimes people get confused about deciding which is the most reliable money transfer app for them. 

Therefore, to clear your thoughts on this, we have shortlisted the 10 best money transfer apps that have made transactions easy and safe for people.

So, without any delay, let's move forward and get detailed information regarding the best money transfer apps in India.

11 Best Money Transfer App In India-UPI And E-Wallet Payment Apps List

11 Best Money Transfer App In India 2022

Here are the names of the 11 best online money transfer apps in India:-

Name Of The App

Number of Downloads

Ratings Based On Google Play Store




Amazon Pay



Phone Pay



Google Pay






Airtel Money



Pay Pal India



Jio money



Yono Lite (By SBI)



Pay Zapp



Ola Money



1. Paytm 

Paytm is one of the 10 best money transfer apps in India, used by millions of people.

It provides an exclusive list of payment services for merchants and their customers to make ideal payments using the app from banks, credit/debit cards, and digital cards.

Paytm is significantly the largest payment gateway in the country and possibly one of the best money transfer apps. 

Paytm Payments Bank provides transparent, secure and risk-free banking at your fingertips. It gives you the experience of the future today with a virtual debit card, zero balance requirements, and instant account opening.

The Paytm App also allows customers to transfer money from their digital wallet to a bank account (and vice-versa) and perform online payments for various services like buying mobile/DTH recharge, paying utility bills, and shopping online.

2. Amazon pay

Amazon Pay is an online shopping app without the requirement for a credit card. You can utilise Amazon Pay with your Amazon account. The cycle is easy, simply sign in to your account and add your payment details.

Whenever you have verified your account, you can utilise it on any site that acknowledges Amazon Pay. The payments are made safely, and you can undoubtedly check your purchased product in the buy history in your account.

3. Phone Pe

Phone Pay is an Indian online payment app from which users can receive and send money, recharge data cards, DTH, mobile, pay at shops, make utility payments, invest in tax-saving funds, buy insurance, gold, silver and mutual funds, and do many more things. 

2.5 crore people have accepted Phone Pay as a payment option. This app serves more than 10 crore users all across the country. 

Registered users can transfer money from their family and friends and do up to Rs 1 lakh per transaction (24x7).

4.  Google Pay

Google pay allows you to recharge your mobile with a tap and clear those monthly bills. It works with all bank accounts that support Bhim UPI. You can receive and pay money immediately using your existing bank account. 

Now you can transfer your money with zero fees, directly from your bank account to anyone. It also works with your debit and credit cards. 

The transaction info is completely secured when you are doing it from Google Pay, as it provides multiple layers of security by not sharing your actual card number. 

You can reach a limit if you send more than Rs. 1,00,000 daily among all UPI.

5. Mobikwik

Mobikwik is another free online wallet app for money transfers in India. This app also allows you to make your EMI payments. In addition to money transfers, you can also book rail/bus tickets, pay your gas/DTH/electricity bills, and buy a mobile recharge online. 

This platform also allows secure payments via Unified Payment Interface (UPI), Mobikwik wallet and Mobikwik wallet to bank payments.

This app is operational on windows, android and IOS. 

We are centred around tending to the unmet credit needs of the quickly developing, carefully paying clients by joining the accommodation of regular mobile payments with the advantages of BNPL.

6. Airtel Money

Airtel Money is an Indian First Payment Bank Account headquartered in New Delhi. It is a subsidiary of Bharti Airtel. It focuses on giving every Indian citizen access to an adequate, equal, and trustworthy banking experience. 

To complete the transaction on Airtel Payments Bank, you only need a Virtual Payment Address (VPA) and MPIN. You dont need your beneficiary account details.

Now Airtel payments Bank is also available on what's app. You can create a VPA and link your bank accounts to it using the My Airtel App and further personalise this with your number or name.

You can also open a zero balance Airtel Payments Bank account and get 6% interest on your savings. 

7. Paypal

All monetary exchanges made through PayPal are protected and safeguarded by cutting-edge encryption and 24-hour fraud monitoring without uncovering your personal financial data.

Paypal is an Indian subsidiary of one of the best money transfer app in india for business. It allows its customers to make payments anywhere in India as well as abroad. 

You should simply register on the site and connect your PayPal account to your designated bank account, and you're all set. You can transfer money from your PayPal India account to your bank balance in seconds.


You can use Jio Money in the My Jio app to make simple, smart and secure online payments on the go.

Jio Money is an innovative money application that permits clients all advantages of utilising cash - sans any of its constraints.

It is an easy money transfer application that can engage you to make payments from any place and at any time.

Utilising this Application, you can move the funds in your Jio Money wallet to other Jio Money clients and bank accounts.

Also, you get to enjoy a few great offers, deals, and coupons from leading brands, take care of your bills, recharge your mobile/DTH, and enjoy shopping from your local stores.

9. Yono Lite (By SBI)

Yono Light is an easy, protected, and simple-to-use Application with a large group of elements to assist clients in dealing with their funds. This Application is SBI's retail web banking-based Application for cell phones. 

Yono lite is the first Indian Mobile Online wallet available in 13 different languages.

What's more, it comes loaded with exciting elements like - Sending money to enlisted and new clients. You can transfer extra cash into an account of their choice, totally free. 

Additionally, you get all customer advantages, including recharging and taking care of your bills immediately, booking film/flight tickets, and looking for your number one item on the web.

10. PayZapp

You can send money to anybody in your contacts list or credit the sum to your bank account with PayZapp.

It's been founded by HDFC Bank, one of the biggest private area banks in the country.

Besides, you get to shop digitally and appreciate huge discounts at SmartBuy - HDFC bank's online platform, which provides a broad scope of physical and digital items.

You can connect your credit and debit cards(from any bank) to this Application to make instant and secure transfers for your data plan/DTH, purchase film tickets, pay for your food, and book flight tickets and lodgings.

11. Ola Money

Ola Money is India's most effortless, secure, and quickest money transfer application. It offers clients an all-new client experience and one-tap access to all their everyday requirements.

This incorporates the capacity to send money to your friends and family anywhere, anytime, with simply a tap on the Application. You might move your Ola Money from your mobile wallet to your bank account.

With Ola Cash, You are only a single click away from paying for your prepaid mobile recharges postpaid mobile/power/gas bills, and, obviously, the charge for the Ola taxi you recently took.


This is the list of the best money transfer app in India which helps you transfer your money with 100% security so that you can feel at ease while doing the transaction.

We believe this list assisted you with finding the best online money transfer applications for your online exchanges. Tell us your #1 money transfer application and your related queries in the comment box.


Q.1. What is the cheapest way of making payments or receiving money?

Ans. Paypal can be the cheapest way of doing transactions as it allows people to transfer funds from one Paypal account to another free of charge.

Q.2. Will my transaction remain safe with Google Pay?

Ans. Yes, Google Play provides multiple layers of security and protection to your payment information so that you can do your transaction securely and be at ease.

Q.3. Which payment app is best in india for UPI payments?

Ans. The best UPI app in India is BHIM (Bharat Interface For Money)UPI. 



About Author



Content Writer

I am eager to assist individuals with understanding different aspects of life through my content. The content that I write has helped many people grow their skills and knowledge. I believe I have a strong relationship with the written words as I love elaborating on minor details with surplus data

Copyright 2010-2022. FreeKaaMaal.com. All Rights Reserved. All content, trademarks and logos are copyright of their respective owners.

Disclaimer: FreeKaaMaal.com is community platform where our users find and submit deals from various website across the world, we do not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FreeKaaMaal.com. Readers are requested to be cautious while shopping at newly launched and non-trusted e-commerce sites.

DMCA.com Protection Status