8 Best Mobile Wallets Apps In India To Go Cashless

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Best Mobile Wallets Apps In India To Go Cashless

Mobile wallets are basically mobile-based e-wallets where we can store money for making transactions. You can use these best mobile wallets apps for the bill, gas payment or online shopping in famous sites like Bookmyshow, Snapdeal, Flipkart, Amazon, Ola, Uber, Dominos and many more.

Why use mobile wallets apps?

In today’s busy schedule, nobody has time to visit the bank to take out money. In such condition best mobile wallets apps may provide some relief. Mobile wallets apps allow you to get rid of ATM or Credit Card as well as provide an alternate method of traditional payments. You can try these modern options to move a step towards the cashless economy.

Is it safe to use mobile wallets?

Many people still think that there is the risk in using e-wallets. But it not complete truth because these wallets use most superior protection technology. Trusted wallets use great protection and encryption technologies to make transactions secure.

You should avoid using E-wallet in your friend’s Smartphone or at the internet cafe. If it is urgent carry all transactions in private window of the browser. Always use trusted VPN services while using public wifi hotspot.

I agree that there are some chances that somebody may steal your password or even you lose your smartphone. To deal such situation you should lock your home screen and do some precautions. For more details, you can read our How to keep data safe in your Smartphone post.

How to use mobile wallets?

Almost all mobile wallets are free to use. You have to just log in using valid email/password and load cash by suitable methods like net-banking, credit card, debit card or cash transfer. That’s it, now you are ready to use your preferred mobile wallet.

If you search in Play Store or Google, you will find several hundreds of mobile virtual wallets. That’s why it becomes challenging to find a really handsome wallet for you. Here are some best mobile wallets apps which may help you a lot.

The conclusion of best mobile wallets apps.

So these were some best mobile wallets apps that you can use to carry safe and secure transaction. Except these, there are some other options like Digibank, citrus pay, Vodafone M-pesa and Airtel Money. Alternatively, you can use fake credit card generator with money.

Do not forget to tell us which is your favorite mobile virtual wallet. Also, comment if you want to add any better wallet into our list of best mobile wallet apps.

#1 Freecharge

Freecharge is a nice mobile wallet available for Android, Windows, and iOS. It is online recharge store with good cashback options. You can use it for utility payments, online shopping, book tickets and other facilities.

Freecharge has a lightweight Android app with easy to use interface.  You can add cash to Freecharge wallet using Debit cards, Credit cards, and net banking.

So Freecharge is a reliable and secure wallet with a cool selection of coupons.

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#2 Paytm

Paytm is well known and nice reputation virtual wallet with millions of customers since 2010.  It is one stop gateway for mobile recharge, utility bill payments, and money transactions. Paytm has a partnership with almost all famous brands ranging from mobile operator to food, education, and clothing.

Paytm wallet can be topped up using debit cards, credit cards, net banking, and IMPS (Immediate Payment Service to make payment through bank account using your mobile) payments. It provides user-friendly order history to keep track on transaction activities. It allows the user to transfer fund to the bank account.

Additionally, it offers attractive promotional codes and coupons to save some money by cash back or discount.So Paytm is the useful mobile wallet for e-commerce transactions and bill payments.

Therefore Paytm is the useful mobile wallet for e-commerce transactions and bill payments.

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#3 Bharat Interface for Money

BHIM (Bharat Interface for Money) is a UPI (United Payment Interface) based app available on android and iOS platform. It is provides instant, safe and secure cashless payments through mobile phones.

You can use it directly by authenticating mobile number and bank account. After that, you have to create a unique four digit UPI password. Then you can transfer money to any bank without any transaction limit.

BHIM allows sending money to a person using his/her mobile number. Also, there is no need to activate internet banking service of the bank for using BHIM. Additionally, it provides scan and pay facility and works without internet in feature phones.

Due to its simplicity and easy to use UI, BHIM became one of most famous cashless payment option within few days. In short, it is a nice app to try if you want hassle free alternative for official app offered by the bank.

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#4 Mobikwick

Mobikwick is another widely used cashless wallet managed by MobiKwik Systems Private Limited and available on Android, iOS, and Windows. You can use it for mobile recharges, bill payments and other transactions like sending or requesting money to family members. You can add money by using credit card, debit card or net banking. Recently it had launched door cash picking services which is limited to certain cities.

Mobikwick also has a lot of online and offline partners. That’s why many merchant accept mobikwick cash. So Mobikwick is a safe and beneficial gateway to go with virtual cash.

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#5 ICICI pockets

ICICI pocket is virtual wallet powered by ICICI bank. You can use it for any type of online transaction including ticket booking, recharge, bill payments, send gifts and share expenses. Pockets allows you to open zero balance account. At the same time, you can add cash by using any bank in India.

According to Rajiv Sabharwal the executive director of ICICI, pockets is more than just e-wallet.  He claims that pockets is first digital mobile bank. Maximum upper limit that you can keep in ICICI pockets is RS.10,000 with a single money transfer of Rs. 5,000.

So ICICI pockets is another safe, secure and user friendly mobile wallet app.

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#6 Oxigen

Oxigen wallet is another RBI certified e-wallet that is available on android, windows and iOS platform. Like other wallets, it can be used to pay landline/electricity bills and mobile or data card recharge. Oxigen wallet has a partnership with thousands of merchants. Therefore you can use it for online shopping.

Users can send money to each other’s Oxigen account. It allow to transfer money using phone number or bank account. Users can also earn some rewards by using their services. You can keep maximum  Rs.10,000 and can redeem Rs. 5,000 in a day.

Oxigen wallet is also preferred by many users because of its nice services.

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#7 HDFC Chillr

Chillr is another mobile virtual wallet alternative for instant cash payment.You can use it to recharge mobiles, DTH, data cards and to split bills.

It allows you to send money to anybody in your contact list without knowing their bank details. HDFC bank users can use this app while customers of other bank are eligible only to receive money. You can activate chillr account using net banking by generating MMID and MPIN.

Simply is it a secure and reliable cashless mobile virtual wallet for HDFC bank customers. If you have account in HDFC bank, you should definitely go for it.

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#8 JioMoney wallet

Yes, you guessed right. It is a free mobile wallet powered by Reliance jio and currently available for android and iOS. You can use Jio wallet  for DTH, mobile, and utility payments. It allows to load maximum cash of Rs. 10,000 using credit or debit card. Like other e-wallet competitors jio also offers wide range of coupons.

It is just another alternative of best mobile wallets apps to go with.

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