The Unified Payment Interface or UPI is a unique identifier that the banks use for transfering money and making payments using the Immediate Payments Service IMPS, which obviously works 24×7 and is super-fast. The BHIM UPI is a single-window mobile payment platform built by NPCI, i.e. National Payments Corporation of India, to allow instant online transactions.

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PhonePe is one of the applications that are developed to facilitate UPI transactions. PhonePe, based in India, developed and published the Android app PhonePe in the category of finance. 

Both Android and iOS users can access PhonePe. It has earned more than 100 million installs on Google Play Store. It requires an Android operating system of 4.3 or more, and it is a lightweight app. 

Features of PhonePe

1. User Interface

With a simple and straightforward interface, all you need is to register your mobile number and link your bank account for initiating BHIM UPI transactions. All of the services provided by the app is specifically and precisely labelled so that users can never get confused. The payment method is straightforward that aged elders can also do the transactions easily. You only need to remember a UPI PIN. You can also make the payments through your credit card or debit card. You can review your history of transactions by going on the history tab.

2. Instant Transactions

The app lets users do instant transactions to the people on their contact who use PhonePe, to people using their account number, to self – means to the other bank accounts you have. Your account balance can also be checked using the app.

3. Services

The PhonePe app provides immense services in comparison to many other UPI applications. It can allow you to recharge a variety of things starting from mobiles, DTH, and pay bills for utility services such as electricity, piped gas, landline, broadband, educational fees, water, postpaid mobile bill, gas cylinder etc. 

You can also donate through the app to several organizations and even adopt a tree with guaranteed certification.

You can purchase another set of services such as gift cards, PhonePe gift cards, Google Play, subscriptions on different entertainment providers such as Disney+Hotstar etc.

There is also a financial services and taxes section of services incorporated in the app such as credit card bill, loan repayments, LIC or insurance, municipal tax etc. 

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4. Grow Your Money 

The PhonePe app is also a great app to grow your money. You can manage your wealth with mutual funds and 24K gold. 

The app has provisions for you to buy and sell at live market rates on the app with the help of two providers. The Gold you buy gets stored in a free and secure bank locker.

You can also securely invest your money in liquid funds from the liquid fund tab.

5. Insurance Plans

You can secure your future with curated insurance plans listed on the app. 

6. Discover Stores 

You can discover the stores around you that accept PhonePe transactions, and so you can go cashless.

7. PhonePe Switch

You can use the switch tab to discover different store apps on a variety of categories such as food, travel, shopping, and grocery etc. This way, you can use that app’s features without actually downloading that app.

How to Download PhonePe on your PC?

To install PhonePe on your Windows or Mac, you need an Android emulator such as BlueStacks App Player or Nox App Player.

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  • Visit the official website of the Android emulator of your choice.
  • Install the emulator and launch it. 
  • Search for the app PhonePe on the Play Store and install. 


PhonePe is a super cool payment app that can let you do instant online transactions using UPI.

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