MobiKwik
Indian mobile wallet and UPI app for payments, bills, recharges and small loans.
Updated · AppBreakup editorial · Android, iOS, Web
Is MobiKwik free?
Yes, free to use
Switch from MobiKwik to
All 5
Google PayFree
CREDFree
PhonePeFree
- Verified facts
- 3 of 3
- Alternatives ranked
- 5
- Approved reviews
- 0
- Visits sent from here
- 0
About MobiKwik
MobiKwik is an Indian payments app that started as a mobile wallet and now combines the wallet with UPI, bill payments, recharges, credit and investing. You can add money to the wallet by card, net banking or UPI, then pay shops by scanning any QR code, send money to a phone number or UPI ID, and settle utility and credit card bills. Its Pocket UPI feature lets you make UPI payments from the wallet balance without linking a bank account, which suits people who want to keep their main account separate. The app also offers ZIP pay-later credit, instant personal loans, digital gold, mutual funds and fixed deposits, and businesses can take payments through MobiKwik's QR codes and card machines. The company says it has more than 190 million users. Using it is free for consumers; MobiKwik earns from merchants and financial products. It runs on Android and iOS, with bill payments and recharges also on the website.
Best for: Indian users who want a prepaid wallet with UPI, kept separate from their main bank account.
Pros and cons
What works
- 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
Why people leave
- Full wallet use needs KYC with Aadhaar or PAN
- App pushes loans and pay-later credit heavily
- Only available in India
MobiKwik vs Google Pay, CRED and PhonePe
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | MobiKwik | Google Pay | CRED | PhonePe |
|---|---|---|---|---|
| Pricing | Free | Free | Free | Free |
| Verified price | — | — | — | — |
| Free plan | Free app | Free app | Free app | Free app |
| Open source | No | No | No | No |
| Self-hostable | No | No | No | No |
| Platforms | Android, iOS, Web | Android, iOS | Android, iOS | Android, iOS |
Top MobiKwik alternatives
See all 5- 1Google Pay64.8
Plain bank-linked UPI with fewer loan offers and no wallet to top up.
- 2CRED61.8
Better rewards for credit card bill payments if you have a strong credit score.
- 3PhonePe59.4
India's most used UPI app, with bill payments, recharges, insurance and mutual funds in one place.
- 4
BHIM53.0The government-backed UPI app from NPCI, with no offers or ads, just bank-to-bank payments.
- 5NaNavi46.8
Combines UPI payments with instant personal loans and low-cost mutual funds, covering MobiKwik's credit and investing side.
Why people left MobiKwik
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
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Reviews
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MobiKwik: common questions
What is MobiKwik?
MobiKwik: Indian mobile wallet and UPI app for payments, bills, recharges and small loans. Best for indian users who want a prepaid wallet with UPI, kept separate from their main bank account. Available for Android, iOS and Web.
Is MobiKwik free?
Yes, MobiKwik is free to use.
Is MobiKwik open source?
No, MobiKwik is not open source.
What platforms does MobiKwik run on?
MobiKwik is available for Android, iOS and Web.
What are the best alternatives to MobiKwik?
The highest-ranked MobiKwik alternatives right now are Google Pay, CRED and PhonePe. See the full ranked list for pricing, platforms and verified facts.
MobiKwik vs Google Pay: what's the difference?
Both MobiKwik and Google Pay are free to use. Only MobiKwik runs on Web.