Bharat Interface for Money (BHIM) is an initiative to enable fast, secure, reliable cashless payments through your mobile phone. BHIM is interoperable with other Unified Payment Interface (UPI) applications, & bank accounts for quick money transfers online. BHIM is developed by the National Payment Corporation of India (NPCI) as a part of the Digital India initiative. BHIM is made in India and dedicated to the service of the nation.
What can I do with BHIM?
BHIM works on Unified Payments Interface (UPI), which is a revolutionary payments platform. The features of BHIM are as follows:-
Access all bank accounts in one app
Pay for friends & relatives using their mobile number. (Provided they are on BHIM/UPI)
Pay to any user using any UPI application.
Shop online and checkout using “Pay by UPI/BHIM” for a quick and seamless experience.
Request money from any UPI user.
Scan a QR and pay on the fly.
Check account balance and pay via Aadhaar number.
Set Payment Reminders.
Split bill among friends and family.
Introducing Payment Rewards on BHIM
For New Users: Get ₹51 cashback on your first Payment on BHIM! *
For Existing Users: Get up to ₹750 / Month.*
What is new about the BHIM App?
Be it online gas bill payment, water bill payment, or online mobile recharge, you can do everything through your BHIM app. You can also save your bills and pay bills every month without any hassle.
How does it work?
Register your bank account with BHIM, & set a UPI PIN for the bank account. Your mobile number is your Payment Address, & you can simply start transacting. Yes! It is that simple.
How to Transfer Money Online?
Make Cashless Payments or receive money from friends, family, and customers through a mobile number or payment address. Instant Money Transfer can also be made to an unregistered user using Mobile number, Account number +IFSC and Aadhaar Number. You can also collect money by sending a request and reverse payments instantly if required.
You can check your bank balance and transactions details on the go.
Custom Payment Address:
You can create a custom digital payment address in addition to your phone number.
Now scan QR codes without logging into the app. Merchants can easily print their QR Code for display.
You can Block/Spam users who are sending you to collect requests from illicit sources.
Pay using Aadhaar:
Make seamless transactions using Aadhaar number.
Split bills among BHIM users:
Now you can split bills and expenses among friends, family and also user in any app using UPI.
Set Payment Reminders:
You can set payment reminders for your recurring payments, so you don’t miss out on them.
Note: If you have accounts in the following five associate banks SBH, SBBJ, SBM, SBP & SBT please choose SBI from the list of banks as they have merged with SBI.
Before you register on the app, please ensure the following:
• You have a valid Debit Card for your account
• You have linked your Mobile Number with your Account
• Your registered mobile no. is present in the same device as the BHIM app
• You have registered your account for Internet/Mobile Banking
Visit our website https://www.npci.org.in/bhim-live-members to find out if your bank is live on BHIM
More about BHIM:-
13 languages supported on BHIM (Assamese, Bengali, English, Gujarati, Hindi, Kannada, Malayalam, Marathi, Punjabi, Tamil, Telugu, Odia, and Urdu.)
Transaction limit is Rs 20,000 per transaction and Rs. 40,000 per day (for 1 bank account)
Terms & Conditions:- https://www.bhimupi.org.in/terms-conditions
All-State bank accounts (SBH, SBBJ, SBP, and SBT) are merged with SBI. If you have an account with any of them, please select SBI as your bank
For more information, visit https://www.bhimupi.org.in/
Feature & performance enhancements
New functionality on BHIM*
Link your overdraft account for doing transaction using UPI , Mandate with one time execution & block functionality , viewinvoices before making a payment, receive funds from abroad using your BHIM UPI id and enhanced security for payments via QR & Intent.
*All the above functionalities are bank/merchant dependent , Please check with your bank to know more about it.
Ratings and Reviews
So basically when this app was launched then I installed it and because that time it was full of bug. even I was not able to add my bank account, so uninstalled and forgot it that time.
Now a days I keep seeing bhim payment option in almost every payment page so again installed it for a try and wow this app is so improved and does its job very well.
Interface is so clean, adding and switching bank account is so easy. App is quite secure itself and because it is like your bank account is directly stored here so no need to add balance frequently like other wallet apps.
Now we can directly transfer money without going through long process via net banking
Thanks to developers and government for this concept.
Thank you for rating the BHIM App! We would love to hear more from you on what you liked about the app and if we can better it any way. We appreciate the feedback, always. Do let your friends and family know they can try the app too! :) Warm Regards, Team BHIM.
I have been using this app on iPhone since it’s launch. Almost flawless. In previous version it used to have few minor issues. Now since many months no issues observed. I use it to pay monthly milk bill, sports fees for my kids, grocery bill, electricity bill, mobile, broadband bill even pay to my car cleaner using this app, add money to Paytm & equity account , wherever possible I use it. I feel this app much more safe and easy to use than other apps. One small suggestion—> it should give us option to activate multiple bank accounts simultaneously , so that I can choose one of the account while making a transaction.
Hi, we are delighted to read your feedback on the BHIM App. We're glad you liked the app. We hope you continue to enjoy using BHIM. If you have family and friends who might find BHIM useful, do recommend the app! Warm Regards, Team BHIM.
Very easy and impressive.
I downloaded this app on launch and was not impressed at all. But recently downloaded the app and I am so impressed with this.
I have a few suggestions for future improvement. I requested payment to a number through the app, but for some reason the payment landed on PayTM. Which should not have been the case. They should give the option to receive payment in primary account.
Also if I share my UPI ID with someone for payment then we should receive the option to receive the payment through any of the linked accounts.
Hi, we are delighted to read your detailed feedback on the BHIM App. We're glad you liked the features you mentioned, and we've taken your suggestions for the app into account already. We hope you continue to enjoy using BHIM. If you have family and friends who might find BHIM useful, do recommend the app! Warm Regards, Team BHIM.
- National Payments Corporation of India
- 59.8 MB
- Requires iOS 9.0 or later. Compatible with iPhone, iPad and iPod touch.
- Age Rating
- Rated 4+
- © National Payments Corporation of India (NPCI)
Up to six family members will be able to use this app with Family Sharing enabled.