Most downloaded Finance apps in 2025

PhonePe UPI, Payment, Recharge, a mobile banking app from India, was the most downloaded Finance app in 2025, recording 128.5M downloads according to AppTweak’s Market Intelligence data. This performance underscores the dominance of regional payment platforms in the global download charts, reflecting a market where localized financial ecosystems are capturing massive user bases.

Across the top 500 Finance apps analyzed, the  Finance category generated approximately 6.75B downloads and $407.3M in revenue. While the category saw a slight decline in overall monthly downloads at -4.6%, revenues showed healthy growth of 10.2%. This dynamic suggests a maturing market where the focus is shifting from pure user acquisition to deeper engagement and monetization. While large payment apps lead in volume, significant growth is emerging from more specialized segments. For instance, apps in the loans & credits space, such as Navi (+51.3% growth) and Home Credit Philippines (+128.7% growth), demonstrated strong upward momentum.

Key takeaways

• Regional ecosystems lead downloads: Publishers headquartered in India dominate the download charts, with four apps in the top 10, including the #1 app PhonePe UPI, Payment, Recharge. This highlights the scale and influence of regional fintech leaders in driving global download volumes.
• Core utilities are top of mind: Mobile banking and digital wallets apps are the most represented segments, accounting for eight of the top 10 most-downloaded apps. This indicates that users prioritize apps that serve as central hubs for daily payments and banking tasks.
• A market of mixed performance: While the overall Finance category saw downloads decline by -4.6%, revenue grew by 10.2% (among the top 500 apps analyzed). This pattern suggests a shift toward extracting more value from existing users rather than relying solely on new installs, signaling a more mature market landscape.
• Growth in specialized lending: Despite the saturation of major payment apps, high growth is visible in specific niches. For example, loans & credits apps like Navi: UPI, Insurance & Loans (+51.3% growth) are outperforming the category average, pointing to strong demand for accessible credit solutions.

About the data set

This data was derived from AppTweak’s Market Intelligence. The dataset covers November 1, 2024, to November 30, 2025, and reflects worldwide performance across both the App Store & Google Play. The ranking is created by combining each app’s estimated downloads from the App Store and Google Play and ordering them from highest to lowest.

• Data source: AppTweak Market Intelligence
• Coverage: App Store and Google Play
• Metric: Downloads
• Time period: December 1, 2024 – December 30, 2025
• Category: Finance defined by AppTweak’s AppDNA taxonomy
• Geography: Global
• Last updated: December 2025

Category definition of Finance apps (AppTweak AppDNA taxonomy):

AppTweak defines the Finance category as apps that perform financial transactions or assist the user with business or personal financial matters. For example: personal financial management, mobile banking, investment, bill reminders, budgets, debt management, tax, small business finance, insurance.

Segment definitions:

• Mobile banking: Banking apps & apps to transfer money.
• Digital wallets: Card manager apps to manage credit cards, debit cards, and prepaid cards.
• Trading: Trading apps that provide stock trackers, portfolio investment strategy and management, foreign currency exchange rates, Forex, gold market, etc.
• Cryptocurrency: Apps that offer services related to cryptocurrency.
• Loans & credits: Apps to ask for loans, borrow money, credit apps, credit trackers, cash advances, etc.

Feel free to dig into your app category’s download and revenue estimates now in AppTweak’s Market Intelligence.

What are the top 10 most downloaded Finance apps of 2025?

The table below lists the top 10 Finance apps ordered by total downloads across the App Store and Google Play, including app name, publisher, HQ, app downloads, and year-over-year growth.

Source: AppTweak Market Intelligence | App Store & Google Play | December 1, 2024 – December 30, 2025 | Global.

Notable apps at a glance

• PhonePe UPI, Payment, Recharge – Rank #1, 128.5M downloads, mobile banking
• PayPal – Pay, Send, Save – Rank #2, 96.3M downloads, mobile banking
• Google Wallet – Rank #4, 75.2M downloads, digital wallets
• Mercado Pago: banco digital – Rank #5, 70.7M downloads, mobile banking
• Navi: UPI, Insurance & Loans – Rank #7, 56.6M downloads, loans & credits
• Revolut – Mobile Finance – Rank #8, 53.5M downloads, mobile banking

3 key learnings from the top 10 Finance apps

The data reveals three clear patterns in how users are engaging with the most downloaded Finance apps. These learnings summarize the strongest signals emerging from the top-ranking apps, according to AppTweak’s Market Intelligence dataset.

1. Regional payment ecosystems dominate the download charts

The top of the download rankings is heavily influenced by apps catering to specific, large-scale regional markets. Four of the top 10 apps are from publishers based in India, with PhonePe UPI, Payment, Recharge leading the entire category at 128.5M downloads. Airtel Thanks: Recharge & Bank (#3), Navi: UPI, Insurance & Loans (#7), and Paytm: Secure UPI Payments (#9) also feature in the top 10. This concentration demonstrates that in the Finance category, global leadership in downloads is often achieved by winning a single, high-population market rather than through broad international presence.

2. Download volume and revenue generation follow separate paths

A high download count does not necessarily translate to high revenue. According to AppTweak’s Market Intelligence data, several of the most-downloaded finance apps primarily operate as payment or transaction infrastructure, where monetization often occurs outside of app store billing.

In contrast, revenue within the category is concentrated among apps built around subscription or premium feature models. For example, TradingView: Track All Markets generated $51M in revenue with 17.1M downloads, illustrating how value-focused monetization can outperform scale alone in revenue terms.

Taken together, these patterns highlight two dominant approaches in the Finance category: scale-driven platforms optimized for user reach, and monetization-driven products that convert a smaller but more engaged user base.

3. Top-ranked apps face growth volatility and market saturation

Even dominant apps are not immune to market pressures, with a majority of the top 10 showing negative year-over-year growth. Legacy payment apps like Google Pay: Secure UPI payment (-45.8%) and Paytm: Secure UPI Payments (-39.6%) experienced significant declines. This suggests that the market for general payment and wallet apps is reaching saturation. However, some players are still finding room for growth. Navi: UPI, Insurance & Loans grew by +51.3%, and Revolut – Mobile Finance grew by +18.1%, indicating that apps offering a broader suite of financial services or targeting specific growth niches can still expand their user base effectively.

Key facts about the top 10 Finance apps

• The global shift south: 60% of the top 10 apps hail from emerging economies (India, Brazil, LATAM), proving that the most aggressive fintech innovation and adoption is now happening outside the US and Europe.
• Mobile banking and digital wallets apps represent eight of the 10 most-downloaded apps, signaling strong user demand for core payment and banking functionalities.
• Market correction for legacy giants: As the sector matures, the era of hyper-growth for incumbents appears to be over. 7 of the top 10 apps posted negative growth, with established leaders like Google Pay (-45.8%) and Paytm (-39.6%) seeing acquisition volumes contract by nearly half compared to the previous period.
• Google’s “split” strategy vs. super apps: Uniquely, Google occupies two spots in the top 10 by splitting its ecosystem (Wallet vs. Pay). In contrast, competitors like PhonePe are winning by consolidating payments, banking, and wealth into single super apps.

Finance app market trends shaping 2025

The data reflects a category in transition, moving from single-purpose tools to integrated, intelligent financial hubs. Here are the key qualitative shifts shaping the Finance app market.

Finance apps are becoming everyday money hubs

The center of gravity for high-reach Finance apps has shifted from single-task utilities to a primary “home” for daily financial management. Users now expect a single dashboard to view balances, move money, pay bills, and access services like credit or investing. This has driven a UX trend toward consolidation, with modular interfaces and one-tap actions becoming standard.

AI is shifting from support to action-based navigation

In 2025, AI in Finance apps is used less for chatbot support and more for interpreting user activity and suggesting next steps. The focus is on providing short explanations and one-tap actions, like adjusting a budget or moving funds to avoid an overdraft. This makes AI a practical navigation tool rather than a conversational feature. Behind the scenes, AI is also streamlining service workflows, raising user expectations for faster, in-app issue resolution.

Security UX is now a key differentiator

As scams become more sophisticated, security is evolving from a background function to a visible UX feature. Passwordless sign-in, biometric authentication, and clear “step-up” prompts for risky actions are becoming mainstream. Apps are also adding more user-facing safety controls, such as spending limits and approval rules, framing them as everyday preferences rather than emergency settings.

Engagement is rebalancing toward calmer routines

The trend is moving away from gamification and toward calmer, habit-forming loops. Daily snapshots, “left to spend” views, and gentle nudges are making money management feel more like a routine check-in than a high-stakes activity. At the same time, social mechanics are cautiously returning to investing apps, but with stronger credibility signals and guardrails to mitigate risk.

Business models are converging on “free core + paid power”

The dominant monetization strategy is to offer a robust free core utility and sell a paid tier with added convenience, richer insights, and tangible perks. These paid layers are increasingly integrated directly into the main UX with upgrade prompts at the moment of need, normalizing the subscription model within the Finance category.

Key facts about Finance app market trends in 2025

• Mainstream finance apps increasingly present a single “money home” with modular cards and quick actions, reducing the need to switch between multiple apps for routine tasks.
• AI features are showing up as short, contextual explanations and one-tap next steps, not as standalone chat experiences users must learn.
• Passwordless and biometric-first login patterns are becoming familiar across finance apps, alongside more visible, user-controlled safety settings.
• Engagement is shifting toward calmer financial routines, while social mechanics in investing are being tested with tighter credibility and safety framing.
• Monetization is leaning toward free core functionality with paid tiers embedded directly into everyday flows, rather than separate premium-only companion products.

Conclusion

The 2025 Finance app landscape is defined by a clear divergence: massive, region-specific payment platforms drive the bulk of download volume, while revenue growth is increasingly tied to specialized, value-add services. The category generated 6.75B downloads, but with an overall download decline of -4.6% and revenue growth of 10.2%, the market is clearly maturing. Success now hinges less on pure acquisition and more on providing integrated, intelligent, and secure user experiences that can be effectively monetized.

For deeper insights into these trends and to benchmark your own app’s performance, explore AppTweak’s Market Intelligence platform. You can start analyzing the data today with a Free Starter plan.

FAQ

Below we answer the top questions about the most downloaded Finance apps.

Which Finance app had the most downloads in 2025?

The Finance app with the most downloads in 2025 was PhonePe UPI, Payment, Recharge, which recorded 128.5M downloads globally, according to AppTweak’s Market Intelligence data.

What is the total number of downloads for Finance apps in 2025?

Finance apps generated approximately 6.75B total downloads between November 2024 and November 2025, per data from AppTweak’s Market Intelligence.

What is the overall growth rate for Finance apps?

The overall growth rate for Finance apps showed a split trend: total monthly downloads experienced a relative decline of -4.6%, while total monthly revenues grew by 10.2%.

Which segments dominate the top downloaded Finance apps?

Mobile banking and digital wallets are the dominant segments among top downloaded Finance apps, accounting for five and three of the top 10 apps, respectively.

Which countries have the most top-downloaded Finance apps?

Publishers from India and the United States have the most top-downloaded Finance apps, with four apps from India-based publishers and three from US-based publishers in the top 10.

Which Finance apps are growing the fastest?

While many top Finance apps saw declines, certain apps in the loans & credits segment showed strong growth. For example, Navi: UPI, Insurance & Loans grew by 51.3% and Home Credit Philippines grew by 128.7%.

How much revenue did Finance apps generate in 2025?

The Finance apps category generated over $407.3M in total revenue between November 2024 and November 2025, according to AppTweak’s Market Intelligence data.