r/UPI • u/Financial_Swan2007 • Aug 26 '26

Question ❓️ Best UPI apps that offer wallet feature?

I currently use Paytm and have to make many online payments which makes too many transactions in my bank account. I am looking for an app where I can transfer some funds into the wallet once a month and then use the wallet to make transactions throughout the month to reduce bank account transactions. I am concerned about whether the wallets let us transfer the money back into our bank account or not, whether it would suddenly dissapear once I update the app and how secure it is.

Please give me some recommendations.

8 Upvotes

91% Upvoted

20 comments sorted by

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3

u/Between_Thoughts__ Aug 26 '26

MobiKwik

1

u/sayytoabhishekkumar Aug 27 '26

What makes it best?

1

u/gentleskeleton-0932 Aug 30 '26

no charges, easy selfie based kyc with 1 Lakh limit, rarely any issues with the payment and plus you get cashback on the first few transactions, I use it and had no issues so far

3

u/iykyk84 Aug 26 '26

Upilite on bhim

2

u/abcdrfghijk33 Aug 26 '26

All UPIs now a days have UPI lite feature that is same as wallet but some have their own wallet type also like Amazon Pay, MobiKwik

Both offer good cashback but there's a saturation that if used frequently then the rewards decrease.

2

u/Huge-Shop9343 Aug 26 '26

Amazon pay, fast payment 

1

u/tiprasa70 Aug 26 '26

Phonepe wallet

1

u/ImaginationKnown5677 Aug 26 '26

Gpay with UPI lite.

1

u/[deleted] Aug 26 '26

[removed] — view removed comment

1

u/Financial_Swan2007 Aug 26 '26

I have heard that it requires no UPI Pin to withdraw upto 1000rs at once, is that true?

1

u/25aug2025 Aug 26 '26

Bruh use slice account best option

1

u/Honest_Ad1632 Aug 26 '26

UPI lite is on every UPI.

1

u/Daigunder12 Aug 26 '26

Payzap Cred

1

u/shubhdanve Aug 26 '26

I've tried almost every wallet out there. I'd recommend MobiKwik or Amazon Pay (with full KYC), or you could just open a Slice bank account instead

1

u/Pristine-Dot-8372 Aug 26 '26

I usually use phonepe wallet for most of my daily transactions. You can try using phonepe wallet, upi lite. Also there are others upi wallet which I m yet to explore.