Freo - UPI, Insurance, Loans 4+

Your All-in-One Money App

MyCash Fintech Pte Ltd

    • Free

iPhone Screenshots

Description

Freo App, where you can Pay, Invest, Borrow and Insure, all within a single app.

UPI Payments – Faster, Smoother, Better!
With Freo - Scan & pay across India - UPI Payments, Bank to Bank Transfer, Merchant Payment Account to Account Transfer, Bill Payment, QR Scanning - Powered by UPI
Link your bank account on Freo app to transfer money with BHIM UPI instantly! Freo app is safe, secure, meets all your payment, investment, insurance & banking needs.

Freo allows you to:
• Money Transfer with BHIM UPI
• Check Bank Account Balance
• Manage Multiple Bank Accounts in Freo app
• Save Beneficiaries across banks
• Make Offline Payments (Scan & Pay via QR Code at local stores like kirana, food, medicines etc.)
• Make Online Payments (food-grocery orders, shopping, travel bookings)
• Pay for Recharges (Prepaid-Postpaid mobile bills, Cable-OTT, Wi-Fi)
• Pay your utility bills (Gas, Electricity, Water etc.)


As one of India's top Finance Apps, Freo with its smooth payment feature, allows instant access to money for your financial needs.


Borrow flexibly with Freo (formerly MoneyTap)

A Personal Loan with Freo stands out as we charge interest only on the amount you borrow, not the full approved amount.

Our Most Loved Features
• Borrow small or big (any amount from ₹3,000 to ₹5 lakhs)
• Pay interest only on the amount you use
• Instant loans with no collateral risk
• 100% digital & paperless process
• Flexible EMIs

Loan Terms:
• Amount: ₹3,000 to ₹5 lakhs
• Interest rates: 12% to 36% per annum
• APR: 10% to 70%
• Tenures: 3 to 36 months
• Low processing & line setup fees

For ₹1,00,000 personal loan, for 1 year, @13% per annum*, a user would pay:
- Processing fee (at 2%) = ₹2,000 + GST = ₹2,360
- Setup fee of ₹999+GST = ₹1181/- to be paid upfront
- Interest = ₹7,181
- EMI = ₹8,932
Total amount to pay = ₹1,10,725/-
*Interest Rate varies based on your risk profile. Only a fraction of our customers get an interest rate higher than 30% p.a.

Our Lending Partners:
→ SMFG India Credit Co. Ltd. (Formerly Fullerton India Credit Company Limited)
https://bit.ly/46KNzh9
→ Incred Capital Financial Services Pvt Ltd
https://bit.ly/3eTT0op
→ Kisetsu Saison Finance (India) Private Limited
https://bit.ly/FreoCS
→ Cholamandalam Investment and Finance Company
https://bit.ly/Cholamandalam
→ Transactree Technologies Pvt Ltd
https://bit.ly/3UkU5WJ
→ Tapstart Capital Pvt Ltd.
https://bit.ly/3qOUeEc

Our Partners:
→ YES Bank - YES Bank Ltd.
→ Equitas SFB - Equitas Small Finance Bank
→ Lendbox - Transactree Technologies Pvt Ltd
→ Liquiloans - NDX Financials Services Pvt Ltd

Gold Investment – Start with Just ₹10!

• Invest in 24K gold starting from as little as ₹10
• No hassle of physical storage—buy & sell anytime, anywhere
• Haven’t invested in gold yet? Start small, start now with just ₹10 and turn your savings into something precious!

Insurance – Protect What Matters

• Curated insurance plans for life’s uncertainties
• Coverage for vector-borne diseases like Malaria & Dengue
• Daily cash benefits during hospitalization
• Comprehensive vehicle insurance for cars and bikes
• Women-centric health plans for specific healthcare needs
• Pet insurance to protect your furry friends
• Secure your valuables and big purchases with peace of mind
• Affordable, tailored protection for all. Haven’t secured your future? Explore Freo’s insurance options now!

Fixed Deposits – High-Return Rates

• Instantly book FDs from ₹1,000/- with returns up to 9%*
• Guaranteed growth with flexible tenures to suit your needs
• Choose from trusted banks & institutions for reliable investments
• Enjoy peace of mind with guaranteed returns. Start growing your money today!

Freo’s products are designed to help you get started with ease. Haven’t explored them yet? Start small, start now, and experience the difference for yourself!

Contact: hello@freo.money

What’s New

Version 3.3.6

Bug fixes and improvements.

Ratings and Reviews

3.9 out of 5
3.8K Ratings

3.8K Ratings

Siva-Modi ,

Best App But Not Suitable For All phone

I Used Freo Pay For Few Days Only Especially From Last Month End To This Month Starting I Purchased Using Scan And Pay Two Times. And Credit Limit Decreased A’s Per Calculation. No Problem.
Next I Tried To Shop On More Time, But App Is Not Opening And Crashing In My iPhone Still. I Tried So Many Ways By All Necessary Work Such As Uninstalling And Reinstalling The App. But Still I Couldn’t Able To Log On And View My Credit Line And Pay The Outstanding Amount, I Mailed So Many Times With Screen Recorder To Freo Pay Customer Care, But Not Response, Coming Jan 5th I Have To Repay The New Generated Bills. I Don’t Know How To Do This. Got Stuck In Middle.

Developer Response ,

Hi Siva. We sincerely apologize for the inconvenience. We are unable to find your details here. Kindly share your registered email address on this link: (https://bit.ly/Freopay). We'd be glad to help you.

Naman01 ,

Fraud & Useless & pathetic & No customer Support

Whenever I try to pay a merchant The Money gets Deducted From the available limit but The transaction status comes In Processing your Transaction Now They don’t Even Have a Customer Support No. So You can just contact them directly my days Old payment is still in Processing Your payment Position now wonder what should I do All they have is Just a Customer Support where they’ll Ask you to submit a screenshot & Will Display a message That wait for 2-3 days Our Team will contact you. till date & They Even close the Problem tickets Without even Talking to customer for his Inconvenience Now No wonder what You Will Do Of this useless service All payments gets stucked always They Even charge convenience Fee to of 2% Minimum Still Their All payments Gets stucked Not sure if they’ll Charge that fee on failed Payment too but Freo is just a useless Platform Even LazyPay & Simpl are way better then freo atleast Their Payment always doesn’t get Stuck in mid between and They Have A Proper Customer Support team With their dedicated proper Customer Support No. On which you can Contact easily & tell them if anything wrong happens or something is glitching & They fix too but In freo there’s Isn’t even A Single contact no. Available to talk to about your issue none of their executives calls You and they even close the problem tickets too This is really a Pathetic exp for a customer
From freo side

Developer Response ,

Hi Naman. We apologize for any inconvenience you may have experienced. We have difficulty identifying your concern as we cannot locate your information in our system. To assist you better, please provide us with your registered email address by clicking on the following link: (https://bit.ly/Freopay).

More rohit ,

Wrost experience

I really don’t recommend this application for anyone who is looking for urgent funds. Very disappointing and worst experience I had first this application will show you the pre approved credit limit around 1 lakh and once you applied for loan it will check with multiple lenders and then show you the limit after reviewing you credit histroy same thing happend with me. Once you applied for loan then the entire process will take 3-4 days to complete. In my case I received the sanction letter from lending partner and available amount showing on application for disbursement but first this application throw error while updating documents bank statement kyc verification and till the end of process I am still unable to withdrawal from the application as its showing me the disbursement is not available from system right now kindly try tomorrow. Even if you contacted their customer support or chat support they will not respond as they are busy with another customer even on what’s app chat no one is responding. I am very upset and frustrated with this support if in case anyone’s really looking for urgent funds they shouldn’t be use this application totally worst and disappointed.

Developer Response ,

Hi Rohit, apologies for the delay in disbursing the loan amount due to a technical issue. The amount has now been credited to your bank account. We’d really appreciate it if you could consider updating your review. For any further queries, feel free to email us at [hello@freopay.com](mailto:hello@freopay.com) and we’ll be glad to assist you.

App Privacy

The developer, MyCash Fintech Pte Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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