Simpl Review 2024

Simpl is one of the most innovative and simple-to-use mobile app wallets that helps users to make various purchases and make payments in a very secure and trouble-free way. Simpl was developed in 2015 by Chaitra Chidanand and Nitya Sharma, and since then it has been making waves, especially in the fintech scene.

Simpl offers a seamless way to buy online by allowing users to make multiple orders over different platforms and pay a consolidated bill. It is very similar to your closest Kirana shop, thus making credit a little more useful and accessible.

The use of credit cards is quite low in India because of different factors, particularly due to high interest rates and hidden charges. Simpl helps to reduce it with very minimal charges; but, their rate of interest stays the same. Thus, Simpl offers small-ticket credit for users who may not be qualified for instant loans.

Simpl Review

What is Simpl?

Simpl is a kind of digital wallet, that enables users to make and store payment information safely and make their transactions with some clicks. No matter whether it is buying goods and services, paying bills or splitting expenses with your friends, Simpl provides an efficient way of handling payments online. 

With the Simpl payment application, you have the convenience of making fast payments for popular brands like Bigbasket, Zomato, MakeMyTrip, Blinkit, JioMart, Dunzo, Tata 1mg, Zepto, UrbanCompany, Nykaa, RedBus, Goibibo, and others.

Amazing Features of Simpl 

BNPL feature: Simpl Buy Now and Pay Later application provides a cycle of fifteen days to repay the bills which means you may order grocery items, food, pay bills, and a few other things and pay later –within 15 days without any interest and hidden charges on an app.

Fast and Simple Payments: With the help of Simpl Pay Later, you may pay in seconds to different merchant websites online with a single click.

Zero Interest Rate: Simpl Pay Later offers you a chance to pay it later with no interest rate and hidden charges on your Credit Amount. The feature makes it better than the Postpaid Wallet!

Amazing Deals app: Unlock some exclusive cashback offers and deals at multiple merchants’ websites after you complete the payments through their BNPL app.

Single Repayment for Orders: The Simpl app is a highly popular BNPL app as this app allows users to track their expenses on various brands and merchant websites, with one single amalgamated and consolidated bill.

Hassle-Free KYC Process: Users can very easily get with the Simpl app with very minimal document & KYC formalities. Thus, you do not need to worry about the KYC Verification that is quick and easy like its app’s interface.

What Makes Simpl App Different?

The best part about using Simpl App is the user-friendly interface as well as the freedom that it offers. You may use the Simpl app for your daily transactions, like popular platforms Flipkart and Amazon.

Their extensive network of more than 15,000 merchants includes popular names like Bigbasket, Zomato, JioMart, Dunzo, Netmeds, Tata 1mg, Makemytrip, Eat Fresh and Blinkit (earlier Grofers), among many more.

Simpl app understands its user’s financial requirements and offers a very comfortable repayment bill of 15 days. It means you can enjoy the convenience of ordering daily essentials, dining out, and indulging in different services and paying it later, within just 15 days, with no interest and hidden charges.


Simpl BNPL is a highly convenient and user-friendly payment application that provides numerous advantages to its users. With some simple steps, users can easily download its app, complete their KYC process without verifying their Aadhar and PAN, and access the credit limit quickly of Rs 25000. Simpl app offers a seamless and convenient shopping experience with their availability on different popular networks, enabling you to make purchases from various merchants. 

With the flexible repayment of 15 days & no interest charges, Simpl BNPL provides financial freedom & convenience. Hence, it stands out to be the most preferred selection for users looking for a transparent and hassle-free buy now and pay later solution.


What makes the Simpl app safe for online transactions?

Simpl pays attention to the security of its user data and uses robust encryption, safe payment gateways as well as tokenization that ensures the complete safety of your transactions every time.

What happens when you skip paying the Simpl bill?

If you do not pay your Simpl bill on time, Simpl can impose you late fee of around Rs. 250 including taxes. Suppose any customer experiences a technical problem while making their payment & informs customer service, the company will not charge you a late fee.

Is it possible to link multiple bank accounts and cards to your Simpl account?

No, Simpl enables users to link just one bank account or card to their Simpl account.

Are there fees to use the Simpl app?

Simpl does not charge users any fee, however, there are late payment charges applicable.

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