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Bhim App FAQs

Empowering the Common Man
to join Digital Payments Revolution

Downlad Bhim App




What is BHIM?

BHIM is an app that lets you make easy and quick payment transactions using UPI. It’s easier than Wallets! You will not have to fill-out those tedious bank account details again and again. You can easily make direct bank to bank payments and instantly collect money using just Mobile number or Payment address.


How fast is a transaction over BHIM?

As fast as it can get! All payments over BHIM are linked to your bank account and transaction can be completed within few seconds.


What is the Full form of BHIM?

Bharat Interface for Money


Are there any charges for using BHIM?

There are no charges for making transaction through BHIM. Note: Your bank might however levy a nominal charge as UPI or IMPS transfer fee, which is not under our control.
Please check with your bank for more details.


What do I need to start using BHIM?

BHIM app is currently available on Android and iOS mobiles. We will be making our app available on other platforms very soon.


Is BHIM app compatible with every Mobile OS?

The present version is compatible only with Android. We will be realising the IOS version shortly .An Indian bank account that supports UPI payments and mobile number linked to the bank account. Link your bank account to UPI through the app.


Do I need to enable mobile banking on my bank account to use BHIM?

Your account need not be enabled for mobile banking to use BHIM. Your mobile number shall have to be registered with the Bank.


Do I need to be a customer of a particular bank to use BHIM?

To enable transfers directly using your bank account, your bank needs to be live on UPI (Unified Payment Interface) platform. All the banks, which are currently live on UPI, have been listed in the BHIM app.


How do I set the UPI-PIN for my bank account from BHIM?

You can set your UPI PIN by going to Main Menu -Bank Accounts -Set UPI-PIN for the selected account. You will be prompted to enter the last 6 digits of your Debit/ATM card along with the expiry date. You will then receive an OTP which you will enter and set your UPI-PIN. Note: UPI PIN is not the same as MPIN provided by your bank for mobile banking.


Can I link multiple bank accounts with BHIM?

Currently, BHIM supports linking of one Bank only. At the time of account set-up, you can link your preferred bank account as the default account. In case you want to link another bank account, you can go to Main menu, choose Bank Accounts and select your default account. Any money that is transferred to you using your mobile number or payment address will be credited into your default account.


Why does my mobile number with BHIM and the one registered with my bank account have to be the same?

This is a banking network (UPI) requirement. The mobile number which is used to register with BHIM is used to match the bank accounts linked against it.


Do I have to give BHIM my bank a/c details?

At the time of registration you will be providing us with the Debit card details and with the use your mobile number registered to your bank account, we will pre-fetch the details from your bank. All the information exchange happens over secure banking networks and we don't store it, your information is safe!


How do I send money?

From the BHIM app Home screen,

  • Click Send Money Option;
  • Enter or select the receiver's mobile number or Payment Address (you can select from your contact list or enter it) or Aadhaar number
  • Enter the amount you want to send
  • Your default bank a/c gets selected
  • Enter UPI PIN and send
  • Alternately, you can also scan a QR code and pay via the 'Scan & Pay' option.

How do I request money?

From the BHIM app Home screen,

  • Select Request Money
  • Enter or select the receiver's mobile number or Payment Address (you can select from your contact list or enter it) or Aadhaar number
  • Enter the amount you want to request
  • Click Send

This transaction will remain pending until the payment is received. You will be notified when the money is transferred to you. You may also request money by sharing your QR code. Go to Home Screen->Profile->Choose account to get QR code


Can I send money to a friend who is not present on BHIM?

Yes. Payment can be made via (IFSC, Account number) or (MMID, Mobile number) if the person is not registered on BHIM.


What types of transactions can I do using BHIM?

Through BHIM you can make following type of transaction

  • Request or Send Money via Payment Address
  • Send Money to Aadhaar Number
  • Request or Send Money to Mobile number
  • Send Money through MMID, Mobile No.
  • Send Money through IFSC code, Account No.
  • In addition, you can use the scan and pay option for Merchant payments.

How do I access a record of all my historical transactions?

Every transaction through your bank account will be recorded by the Bank and you can view all your past transactions in the 'Transaction History' section on the BHIM App.


The collect request is not reaching the BHIM app. What do I do?

In this case, please first check the data connectivity. If you have entered your Payment Address at the merchant app, please re-check your Payment Address and re-try the transaction. Please check your pending transactions tab to check if the collect request has reached you.

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