8 Best UPI Apps for Students in India


8 Best UPI Apps for Students in India

Gone are the days when people used to carry cash while hitting the market. Digital payments in India have soared giving birth to a slew of payment methods, UPI being one of them. Talk about the best UPI apps, you’ll be surprised by the results.

In fact, the usage of UPI has become so high that almost all the banks are trying to keep it by providing a new app. It would not be wrong to say that UPI has now become the go-to method for hassle-free and convenient payments & transactions.

All you need to do is to link your bank account to your mobile app and transfer the money with the tap of a button via your phone. This has made UPI apps incredibly popular among students, who are always on the lookout for efficient and easy ways to handle their expenses. Banking for students is now as easy as a piece of cake.

So enough chit chat, let’s move forward and take a look at the 8 best UPI apps for the young lads in 2023.


Today teens have a way lot cooler options than adults do! All thanks to the rising neo banks aiming to spread financial responsibility amongst the young lads. Akudo is the first learning focussed bank serving the age of 11 to 18.

With over 1 million trusted teens, we have finally rolled out the UPI payment & transaction feature. Because we believe the lads deserve the world! Our gamified set up gives the much needed young vibe. 😎

So buddy, if you’re up for some juicy rewards, the best cashback in town and the coolest UPI app, just tap here and we got you covered 👇

Lastly, did we mention our one of a kind prepaid debit card? It’ll have you drooling, we bet it!

WhatsApp Pay

If you do not want to install another UPI app and go through the hassle, you can also opt for this payment mode.

WhatsApp Pay is a simple in chat payment way that allows you send or receive money from your contact list effortlessly. However it can get a bit tricky if you are sending money to strangers as you will have to save their contact and then send the money.

So, you know. It gets a bit of a task to make payments for random purchases.

You can easily enable the UPI payment in the click of a button. All you need to do is spot the ₹’ sign then connect your bank account.

Voila! You’re all set. Now you have to select the contact you want to send the money to and make the transaction.


Every dad’s most preferred, Paytm is an app that we all have on our phones. Known to be the first neo bank, that sure did help in easing the lives of adults.

Along with the seamless UPI feature, Paytm also offers a digital wallet that can be used for making payments at offline merchants. It offers a wide range of services, including mobile recharges, bill payments, movie ticket bookings, and more.

But times are changing now, and all of us, especially youngsters are getting more attracted towards the UPI apps that provide more cashback. Paytm on the other hand is not keeping up with the new emerging apps when it comes to rewards.

So if you take our word, there are of course better options that you can explore.


Talk about yet another popular UPI app that is widely used by adults across India, of course it has got to be PhonePe. With majority of it’s users being adults PhonePe has got much to work on.

You can use the wide range of services like bill payments, money transfers, mobile recharges, and more. One of the attractive features of PhonePe is its seamless integration with famous e-commerce platforms, allowing the adults to make the purchases directly from the app.

But as a student we know you might want something cooler without a dead user interface. You can explore teen-specific apps like Akudo that is specifically made for students.

You can also bag a lot of offers, cashback and discounts on transactions which is exactly what students look for these days, innit?

Amazon Pay

The Top G e-commerce giant in the market: Amazon has recently rolled out a brand new UPI feature for seamless transactions. 

Amazon Pay is mostly used by adults to make online purchases on Amazon and other e-commerce platforms, recharge mobile phones, pay bills, and more.

Apart from these, the best part about using this UPI app is that you can get okayish offers and cashback on your purchases.

If you are a new user, you can get up to 25% cashback up to 50 INR on your first transaction. Which is not that much but there are a lot of other options in the market, just like Akudo which offers you a whooping cashback and an applaudable user interface.

Google Pay

Your friendly neighborhood Google was not behind in the UPI payment race either. It was not long ago when we got introduced to Google Pay aka GPay. Come today, it is one of the most used UPI apps in the country but mostly amongst adults.

Talking about cashback and rewards, Google Pay does not really offer a lot of good ones. Unless you are a fan of 4 rs scratch cards because they have that in abundance. The gamified set up keep the users hooked to circle back on the app again and again.

Moreover, Google Pay also supports multiple languages, making it more accessible for people with diverse dillect.


This is a government-backed UPI app that offers a simple and secure way to make the payments anytime, anywhere.

Interested in a fun fact? BHIM UPI is developed by the National Payments Corporation of India (NPCI). Word around the town is its reliability and security features are like none other.

You can send and receive money, check account balance, set up recurring payments, and more with this UPI app.

But hold up, that’s not it. Much like Google Pay, BHIM UPI also supports transactions in numerous languages, making it accessible to students from diverse backgrounds.


There was a time when Mobikwik made a lot of noise, taking the crowd by storm. However, it got lost in the noise of new big payment platforms and now it’s ready to make a comeback. Bigger and better comeback! 😎

This famous UPI platform offers a plethora of services like money transfer, bill payment mobile recharge and a lot other things.

Cherry on the top, you can also get a digital wallets which you can use for making any offline payments at the partner merchants. You can also get good cashback but the offers may not be as attractive.

To Wrap It Up,

UPI has been rising and honestly, the ease speaks for itself.

In fact, In the end of the year 2022, the total UPI transaction value was seen to be reported at INR 125.95 Lakh Cr. 😮

There are a lot of options in the market today. So fellas, make sure to take a quick scan and use the one that bombards you with offers and cashback. Because who does not like some treat, right? Don’t forget to

But UPI transactions can be a bit blinding as well. You might lose the tract of expenditure and end up spending more, being broke by the month end. So make sure to keep checking your account balance and create a track of money.

We hope this blog was everything that you needed to know about the UPI apps.

We’ll see you next time with yet another interesting topic.

But till then, ta da!



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