BHIM UPI Payments App

If you are a first-time user, here is how you can use the BHIM app:

Step 1: Download the app on your phone and open it

Step 2: Choose the language of your preference

Step 3: Choose the registered mobile number that is linked to your bank account to start the verification process. Proceed to click 'Next To complete the verification process.

Step 4: Select a 4-digit password and link your bank account with the app. To do this choose the name of your bank.

Step 5: You have now successfully registered your BHIM account

You can send and receive funds after registering. Simply input the recipient's mobile number or payment address to send payments. Moreover, you can transmit money to banks that do not accept UPI. You can do this by entering the IFSC or MMID codes.

To make payments to any merchant, you can use the 'Scan and Pay' option to scan their QR code and make the payment.

You will be prompted to enter your debit card's expiration date and the last six digits of the number if UPI has not been activated for your bank account.

Set UPI PIN

You must set up your UPI PIN as a final step for payments. The UPI PIN is similar to MPIN used in other UPI-based apps. Here's how to set up your UPI PIN.

1. Click on the main menu of the app and got to Bank Accounts.
2. Select 'Set UPI PIN for your linked account.
3. If you have set up your UPI Pin before, the app will let you know the status. In case you haven't, you will need to provide the last 6 digits of your debit card and also its expiry date.
4. Once you have provided the debit card details, you will receive an SMS with the OTP for authenticating the UPI reset request.
5. If you wish to change the UPI PIN, all you have to do is enter the existing PIN once and the new PIN twice.

BHIM UPI Login

Step 1: Open the BHIM app, and choose your language

Step 2: Type in your mobile number registered with the bank

Step 3: Set your 4-digit password

Step 4: Link your bank account

Step 5: Set up your UPI PIN by typing in the last 6 digits of your debit card

Step 6: Once the PIN has been set up, the account will be created.

Benefits of BHIM App

The following are the benefits of BHIM application: 

1. Transactions are simple, fast, and secure 
2. The transaction limit of the application ranges between Re.1 to Rs.10,000 

1. Users can avail a daily transaction limit of Rs.20,000 
2. No additional charges 
3. The app is free for download 
4. Payments can be made to non-UPI banks as well 
5. The app works 24/7 

About BHIM 3.0

NPCI BHIM Services Limited (NBSL) introduced BHIM 3.0 in March 2025. It is an upgraded version of the app which will be available in Play Stores and App Store by April 2025. This new version of the app is available in 15 Indian languages.    

Features of BHIM 3.0 App

This BHIM (Bharat Interface for Money) 3.0 app has many advanced features such as UPI Circle, split payments, and spend tracking. Given below are the key highlights of the app: 

1. This app works smoothly even in places with weak internet connections, so you can make payments without interruptions. 

1. You can track your spending and split your bills and expenses with the updated version. 

1. You can manage your family expenses by adding the members to the app and keeping track of the money spent by each family member. 

1. For shop owners and merchants, BHIM 3.0 has introduced BHIM Vega. It helps the customers to pay directly without switching to other apps. This helps in making payments faster and more convenient. 

How to Transfer Money Through 'Scan and Pay'?

Individuals can also choose to make transfers through the 'Scan & Pay' option in the BHIM app. This process uses a QR code, which is to be scanned to authorise the transaction.

Individuals who wish to transfer/receive money through this method can use the steps mentioned below:

1. Click on the 'Profile' tab on the home screen.
2. Select the 'QR code' which is assigned to your phone/the phone of the recipient.
3. Click on the 'Scan & Pay' option.
4. Scan the QR code and enter the amount to be transferred.
5. You will receive an acknowledgement once the payment goes through.

With over 30 banks accessible through the app and the ability to send money to anyone who has the BHIM app installed, it is quickly emerging as the go-to method for secure and hassle-free money transfers.

How to use BHIM app to pay at a Store

As a user of the BHIM app, you can create a special QR code on your phone to accept payments from others in addition to the QR code that comes with the app. There are now two different types of QR codes: those for individual transactions and those tied to certain accounts.

Transaction Limit and Charges of BHIM

The most you can spend on a transaction is Rs.10,000. You can send a total of Rs.20,000 in a single 24-hour period. The BHIM UPI app now has fees associated with transactions.

How to Enroll Yourself as a Merchant on UPI

1. Download the BHIM Aadhaar Baroda Pay Android App
2. Fill the application form and sign the merchant agreement
3. The bank will carry out the on-boarding registration process and agreement through its regions/zones

BHIM App Customer Care

You can contact the toll-free customer care number, 1800-120-1740.

Banks Supporting the BHIM App

Following the launch of the BHIM app, several leading banks lost no time in supporting this new system of payments in order to provide added convenience to their customers.

The Following list of banks support the BHIM UPI Payment Service

Why Should You Use the BHIM App?

1. Send and collect money using UPI.
2. Pay bills on merchant websites through UPI.
3. Book flight tickets.
4. Recharge your mobile.
5. Scan and pay using QR code.
6. Also send money using account number and IFSC code.

Setting passcode on the BHIM app

1. You must set a passcode which will act as the PIN to operate the app. Set the 4-digit PIN number and confirm your PIN input.
2. After entering the PIN, you will be logged into the app and can view the app dashboard.

Adding Bank Accounts

1. You must add a bank account to link it to the app in order to send and receive funds. You can only link one account at a time in the app.
2. Choose your bank from the list provided and select your account which you wish to link.
3. You can change your linked bank account in the future by repeating the aforementioned steps.

How to Create a UPI ID or a VPA?

A default UPI ID or VPA will be allotted to users after registering on the BHIM app. This process happens by default. In case you want to add another VPA, all you have to do is go to the profile section.

How to send money using BHIM app through UPI

Step 1: Log in to the app and click on the 'Send' icon

Step 2: Choose the VPA of the payee/beneficiary, enter the amount, remarks and proceed to send the money

Step 3: Key in your UPI PIN to authenticate and successfully send money

How to receive/request money using BHIM app

Step 1: Log in to the app and click on the 'Receive' icon

Step 2: Choose the VPA of the person from whom you want to receive money from along with the transaction amount. Proceed to click submit

Step 3: The remitter will receive a notification and can either accept or reject the request.

BHIM App: Key Features

1. Instant money transfer: Money may be sent instantly, from anywhere, at any time, with the BHIM app. Also, adding beneficiaries and entering account information, such as account numbers and IFSC codes, is not a laborious process.
2. No bank holidays: The best part about this app is that you can send and receive money even on bank holidays and weekends.
3. Split bill with friends: The app also allows users to split bills with multiple users.
4. Payment reminders: Another feature of this app is the facility to schedule payment reminders.

Languages Supported by BHIM App

Available in 13 languages including English, Bangla, Hindi, and Gujrati.

Supported Mobile Platforms

As of now, the BHIM app is the one and only app that is available under UPI. This is suitable for all Google Android and Apple iOS smartphones.

QR Code for Specific Transaction

For each payment request from a BHIM app user, your QR code can be produced using the BHIM UPI App. In order to view the amount due and complete the payment, the payee must scan a special QR Code. Senders do not need to enter the payable amount because the information will be encrypted and printed alongside the QR code.

QR Code Linked to a Specific Account

For the purpose of accepting payments to the account associated with the app, you can create your own special QR code. Other users who wish to make payments can scan the special code and then enter the payment amount. The money can then be transferred to your account by the person.

List of BHIM-Supported Banks

1. Andhra Bank
2. Allahabad Bank
3. Axis Bank
4. Bank of India
5. Bank of Baroda
6. Canara Bank
7. Bank of Maharashtra
8. Catholic Syrian Bank
9. DCB Bank
10. Central Bank of India
11. Punjab National Bank
12. Dena Bank

1. HDFC Bank
2. Federal Bank
3. IDBI Bank
4. ICICI Bank
5. IDFC Bank
6. Indian Overseas Bank
7. Indian Bank
8. Karnataka Bank
9. IndusInd Bank
10. Kotak Mahindra Bank
11. Karur Vyasa Bank
12. South Indian Bank
13. RBL Bank
14. Standard Chartered Bank
15. Syndicate Bank
16. State Bank of India
17. TJSB
18. Union Bank of India
19. UCO Bank
20. United Bank of India
21. Yes Bank Ltd
22. Vijaya Bank