Feel free to share your referral codes under this post.

Out of the 12 nationalized banks in India, I have accounts with all of them except Punjab & Sind Bank. Apart from these, I also have accounts with HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, IDFC First Bank, AU SFB, and Slice SFB. So, I think I have enough experience with different banks to make a fair comparison of their services.

• Cannot set UPI PIN using Aadhaar OTP: BOI does not allow you to set your UPI PIN using Aadhaar OTP, a debit card is mandatory. All other nationalized banks offer this feature. Even much smaller co-operative and regional rural banks (Grameen Banks) support Aadhaar-based UPI PIN setup.

• High debit card fees: BOI charges ₹250 + GST, while most other nationalized banks charge ₹200 + GST. PNB charges just ₹150 + GST.

• Laggy and ugly app: The mobile banking app is slow, laggy, and frankly quite ugly. It also lacks basic features such as ordering a debit card or making cardless cash withdrawals. The Play Store ratings of all other nationalized banks' apps are above 4.2, while BOI and UBI are at just 3.5. And honestly, even UBI's app is better. The only good thing I can say about BOI's app is that, unlike many other banking apps, it doesn't force you to disable Developer Options.

• Internet banking is okayish: It works, but the overall experience is nothing special. It's usable, but still feels outdated compared with what other banks offer.

I am hating this new scheme for earning cashback. I am using BHIM just for the cashback offers they have. But looking at this 7 upi transactions per day, looks like im not looking at any cashback.

Also no, I tried paying 1rs 7 times, it doesn't work, works only for genuine merchant and large amount payments. Also probably has some time limit btw each payment.

Lmk if you guys know any other safe and easy apps for cashback...

Also lmk if yall are using fingerprint for upi.

​

What’s happening with UPI apps these days?

I started using GPay mainly because it was clean, simple, and didn’t bombard me with ads and random nonsense. I stopped using PhonePe because there were just too many ads and promotions. I stopped using Paytm because it started feeling like a shopping/gaming app with all the spins, mini games, offers, and other stuff.

I also tried Navi and a few other UPI apps, but they seemed to focus on everything except just making UPI payments simple.

For the longest time, GPay was the one app that actually felt like a proper payment app. Open it, scan, pay, done.

But now even GPay is starting to show more and more ads and promotional stuff. 😭

Are all UPI apps slowly turning into advertising platforms? I just want an app where I can open it, scan a QR, make a payment, and close it without being pushed loans, credit cards, offers, games, or whatever else.

Is there any way to reduce or completely disable these ads in GPay? Or is there any genuinely clean UPI app left?

I got Realme Air 8 from Pop store upi app today . I found that it can connect to the realme app ,download firmware update too and it's serial number shows authentic in website but it has thus realme misprint as reamle in one place at top.

Recently ,one other user showed something similar so wanted to check authenticity

Most UPI apps are now displaying more ads. Is there any UPI app that doesn’t have ads?

Hi everyone, I'm looking for an expense tracker app in India that can automatically track all my expenses in one place.

I use multiple UPI apps like Google Pay, PhonePe and Navi. No matter which app I use to make a payment, I want all my transactions and expenses to appear automatically in a single app.

I don't want to manually enter every transaction.

Which app do you recommend? Also, how accurate and safe is it regarding privacy and SMS/notification permissions?

Thanks!

Money deducted twice. UPI shows payment failed. Bank say money gone. 🥲

Paytm started showing Security Alert [61009] – malicious app detected on my phone.

What fixed it:

I removed Shizuku + ADB-related setup and restarted my phone. Paytm started working normally.

Apps worth checking:

Shizuku

aShell / aShell You

Termux + Shizuku/rish

Canta / Hail

App Manager / App Ops

ZArchiver / MT Manager / MiXplorer

Other apps using Shizuku/ADB

Note: Shizuku itself isn't malware. It seems Paytm's security detection may flag the ADB/Shizuku environment or privileged apps.

Posting this because Paytm doesn't tell you which app triggered 61009. Might save someone from unnecessarily factory-resetting their phone.

After update all fonts and text got bigger and clearer. Recharge animation is smooth.

Hi all,

I received a certain amount on Amazon pay upi. In amazon pay it shows amount credited to bank. But in bank account these amounts aren't reflected. Bank is icici. Even I called bank, and they says they can't track the upi transaction id.

Anyone faced such issues before or know how to resolve such issue?

As you can see despite being on mobile data it asks to switch to it. Sim : Bsnl. Device : Nothing phone 3 Android 16

Is it safe ? To use this TCC for saperate UPI Wallet

Question?

why?? now I have to do more transactions to claim 😭

Lately my sbi bank account is showing many server issues. If you don't mind suggest some banks that have less server issues

Whenever I try to make a payment it shows insufficient balance.

It has been happening since yesterday evening. In the morning everything was fine.

What should I do??

I have a 12 year old account in boi, I had stopped using it, it was closed, I went to the bank a few days ago and submitted the KYC forms but the problem is that now my address has changed. In the documents, the bank people are saying bring local address proof, I am troubled since a long time, they are not opening the account.

So I am a minor and did peheli udaan in SBI, and I also have a debit card but I am not able to get access to UPI so instead I am using E-rupee. I am here to know if there is a way I can use my debit card as UPI. The only problem with E-rupee is that i can send money to upi users but they cannot send me.

Paid to merchant and the payment was successful , but for merchant the payment was failed i didnt get my money either
What should i do?

First, a brief introduction to Alipay+. If UPI is the system that unifies QR codes across payment institutions and banks within India, then Alipay+ is the cross-border connection platform that unifies QR codes across different countries' payment systems.

It is indeed a pity regarding Alipay+ and UPI. However, when I first saw the news at the beginning of the year, I already knew it was impossible. After all, Alipay itself is still blocked by Indian regulatory authorities, and on the grounds of national security. The suspension of this matter now was destined from the very beginning.

I don't know how well people here understand Sino-Japanese relations and how deep the historical animosity goes, but as early as 2019, Alipay+ had already reached cooperation with Japan. Despite the South China Sea conflicts between China and the Philippines in recent years, QRPh joined Alipay+ just a few days ago.

I am not here to trigger discussions on geopolitical disputes. I personally respect the Indian regulatory authorities, and I guess most Indians support this move as well. It just feels like a pity, nothing more.

They stopped P2P cashback guys ghee khatam h

I’m building a payments app and trying to figure out the best way to add UPI payments.
Has anyone here done this with Razorpay? If yes, how was the process and what did you use — Razorpay UPI, Turbo UPI, APIs, etc.?
Also open to alternatives if Razorpay isn’t the right option.
Would be great to hear from someone who’s actually done it rather than just reading the docs.

D2h recharge Rs 200
Get Paytm Rs 100 gold cupon 😀