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BHIM alternatives: 4 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll digital wallet apps

Top picks

Common reasons people leave BHIM: works only with Indian bank accounts and mobile numbers, and fewer rewards and extra services than PhonePe or Paytm. We ranked 4 alternatives by how directly each one replaces BHIM, then by reviews, real visits and how recently each app's facts were checked against its own website. Google Pay currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Google Pay logoGoogle PayFree—NoAndroid, iOS3 of 368.8
2PhonePe logoPhonePeFree—NoAndroid, iOS4 of 464.8
3MoMobiKwikFree—NoAndroid, iOS, Web3 of 359.4
4CRED logoCREDFree—NoAndroid, iOS4 of 457.5
  1. Google Pay logo

    1. Google PayTop pick

    Best for: People in India who want a simple, clutter-free UPI app tied directly to their bank

    FreeAndroid, iOS

    68.8

    score / 100

    Why switch from BHIM

    Similarly simple bank-linked UPI app, with scratch-card rewards and a polished interface.

    Pros

    • Free bank-to-bank transfers over UPI
    • Works with every bank that supports BHIM UPI
    • Simpler, less cluttered than super-app rivals

    Cons

    • India only; other countries use Google Wallet instead
    • No travel or movie ticket booking like Paytm
    • Rewards are scratch cards, not predictable cashback
    Visit Google Pay Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Google Pay a good BHIM alternative?

    Verified facts

    3 of 3 verified
    Transfer fees
    Zero
    Checked Nov 8, 2026pay.google.com(opens source in a new tab)
    Bank support
    All banks on BHIM UPI
    Checked Nov 8, 2026pay.google.com(opens source in a new tab)
    Customer support
    24/7 toll-free phone line
    Checked Nov 8, 2026pay.google.com(opens source in a new tab)
  2. PhonePe logo

    2. PhonePe

    Best for: People in India who want UPI, bills, recharges and investments in one app

    FreeAndroid, iOS

    64.8

    score / 100

    Why switch from BHIM

    India's most used UPI app, adding bill payments, investments, insurance and travel booking.

    Pros

    • Accepted almost everywhere in India
    • Bills, recharges, FASTag and travel booking in the same app
    • UPI Lite, RuPay credit cards and credit lines on UPI
    • UPI payments at select merchants abroad

    Cons

    • Busy app with many offers for loans, insurance and investments
    • Requires an Indian bank account and mobile number
    • International UPI works only in a handful of countries
    Visit PhonePe Details and reviews
    How this score is calculated
    Editorial fit ×0.387
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is PhonePe a good BHIM alternative?

    Verified facts

    4 of 4 verified
    Registered users
    About 73 crore
    Checked Nov 4, 2026phonepe.com(opens source in a new tab)
    Merchants
    Over 5 crore
    Checked Nov 4, 2026phonepe.com(opens source in a new tab)
    International
    Singapore, UAE, Nepal, Sri Lanka, Bhutan, Mauritius
    Checked Nov 8, 2026phonepe.com(opens source in a new tab)
    Credit on UPI
    RuPay credit cards and credit lines
    Checked Nov 8, 2026phonepe.com(opens source in a new tab)
  3. Mo

    3. MobiKwik

    Best for: Indian users who want a prepaid wallet with UPI, kept separate from their main bank account

    FreeAndroid, iOS, Web

    59.4

    score / 100

    Why switch from BHIM

    Wallet-plus-UPI app that lets you pay via UPI without linking a bank account.

    Pros

    • Pocket UPI pays from the wallet without linking a bank
    • Bills, recharges and card payments in one place
    • Wallet can be topped up by card, net banking or UPI

    Cons

    • Full wallet use needs KYC with Aadhaar or PAN
    • App pushes loans and pay-later credit heavily
    • Only available in India
    Visit MobiKwik Details and reviews
    How this score is calculated
    Editorial fit ×0.369
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is MobiKwik a good BHIM alternative?

    Verified facts

    3 of 3 verified
    Pocket UPI
    UPI payments without linking a bank account
    Checked Nov 8, 2026mobikwik.com(opens source in a new tab)
    Users
    193 million+
    Checked Nov 8, 2026mobikwik.com(opens source in a new tab)
    Wallet top-up methods
    Bank, debit/credit card, net banking, UPI
    Checked Nov 8, 2026mobikwik.com(opens source in a new tab)
  4. CRED logo

    4. CRED

    Best for: Indian credit card holders with good credit who want bill reminders and rewards on payments

    FreeAndroid, iOS

    57.5

    score / 100

    Why switch from BHIM

    Pays UPI and credit card bills in one place, with cashback rewards that BHIM doesn't offer.

    Pros

    • Pays credit card bills for most major Indian banks in one place
    • Free credit score checks via CIBIL
    • Rewards and cashback on bill and UPI payments

    Cons

    • Requires a credit score of 750 or more to join
    • Rewards are mostly partner offers rather than plain cash
    • Mobile only, and only for Indian mobile numbers
    Visit CRED Details and reviews
    How this score is calculated
    Editorial fit ×0.363
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is CRED a good BHIM alternative?

    Verified facts

    4 of 4 verified
    Membership requirement
    Credit score of 750+
    Checked Nov 8, 2026cred.club(opens source in a new tab)
    Members
    25 million+
    Checked Nov 8, 2026cred.club(opens source in a new tab)
    Credit score checks
    Free, via CIBIL soft inquiry
    Checked Nov 8, 2026cred.club(opens source in a new tab)
    UPI payments
    Yes
    Checked Nov 8, 2026cred.club(opens source in a new tab)

The best BHIM alternative for…

The highest-ranked app in this list for each need.

Google Pay logo

Best BHIM alternative for most people

Google Pay

Similarly simple bank-linked UPI app, with scratch-card rewards and a polished interface.

PhonePe logo

Best BHIM alternative for a free option

PhonePe

India's most used UPI app, adding bill payments, investments, insurance and travel booking.

Mo

Best BHIM alternative for iPhone and Android

MobiKwik

Wallet-plus-UPI app that lets you pay via UPI without linking a bank account.

Mo

Best BHIM alternative for working in the browser

MobiKwik

Wallet-plus-UPI app that lets you pay via UPI without linking a bank account.

BHIM alternatives: common questions

What is the best alternative to BHIM?

Google Pay ranks first right now. Similarly simple bank-linked UPI app, with scratch-card rewards and a polished interface. PhonePe and MobiKwik follow it in our ranking.

BHIM vs Google Pay: what's the difference?

Both BHIM and Google Pay are free to use. Both run on Android and iOS.

Is BHIM free?

BHIM is free to use.

Is there a free alternative to BHIM?

Yes. Google Pay (free), PhonePe (free), MobiKwik (free) and CRED (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to BHIM?

None of the 4 alternatives in this list is open source.

Why do people switch from BHIM?

The complaints we hear most: works only with Indian bank accounts and mobile numbers; fewer rewards and extra services than PhonePe or Paytm; needs a debit card to set up.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces BHIM, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.