What is BHIM App and how to use BHIM App?

Last Updated on September 25, 2020

BHIM (Bharat Interface for Money) is a payment app. It was developed by National Payments Corporation of India (NPCI). NPCI is an umbrella organisation for operating retail payments and settlement systems in India. In this post, I will tell you how to use BHIM App.

BHIM App was launched by the Hon’ble Prime Minister of India, Narendra Modi at Digi Dhan Mela at Talkatora Stadium in New Delhi on December 30, 2016.

What is BHIM App?

BHIM is a super easy complete payment solution app. It lets you make simple, easy and quick cashless transactions using UPI (Unified Payments Interface) through your mobile phone. It is a popular UPI app.

UPI is a single window mobile payment system which facilitates the instant money transfer 24×7.

You can make bank-to-bank payments and pay and collect money using just UPI ID (Virtual Payment Address) or mobile number. You can also request money through this app from a UPI ID.

Key Features

The key features of this app are as follows:

1. You can access all bank accounts in one app.

2. You can pay to friends & relatives using their mobile number provided they are using BHIM/UPI.

3. Pay to any user using any UPI application.

4. Shop online and “Pay by UPI/BHIM” for a quick and seamless payment experience.

5. You can request money from other UPI user by entering their UPI ID.

6. Make payment quicker by scanning a QR code of the person you want to pay money to.

7. Share your QR to let others make payments to you as well.

8. You can Check account balance.

9. Your UPI passbook on your fingertips.

10. This super simple, secure and reliable service is totally free.

11. It is a unique payment solution which can be used without internet as well. You can dial *99# from any phone and avail the same features of this app on your mobile screen.

Requirements for BHIM App

You should ensure the following before you register on this app:

1. A valid Debit Card for your bank account. This is required to generate BHIM UPI PIN.

2. A registered Mobile Number with your bank account.

3. Your registered mobile number is present in the same device as the BHIM UPI App.

4. In case of Dual SIM, make sure you have selected the SIM card linked to your bank account.

How to use BHIM App?

1. First of all, download and install the App. BHIM App download for android mobile from Google Play store and for iPhone from Apple App store.

2. Select your preferred language.

3. Select the SIM card which has the mobile number registered with your bank account

4. Set the app passcode required to enter the app.

5. Link your desired bank account using bank account option.

6. Set a UPI PIN for your bank account by providing last 6 digits of debit card and expiry date of debit card.

7. Your account is now registered and ready to use.

8. Your mobile number is your Payment Address.

9. Now, you can simply start transacting. Send or request money and go cashless.

10. Done! It is that simple.

How to send Money?

1. Open the App.

2. Click on send money option.

3. Enter UPI address or mobile number.

4. Click on the “Submit” tab.

Tasks through BHIM App

You can perform following tasks through this app:

Send Money

Send money by entering UPI ID (Virtual Payment Address), Account number, or by scanning a QR code.

Request Money

You can request money from other UPI users by entering your BHIM UPI ID. Additionally, you can also transfer money using mobile number. Mobile number should be registered with BHIM or *99# and account should be linked.

Scan & Pay

Make payments quicker by scanning the QR code of the person you want to send money to. Share your QR code to let others make payments to you as well.

Transactions

Your UPI passbook on your fingertips. Allows you to download and filter your transaction history. You can also raise disputes in case of failed/pending transactions here.

Profile

Manage your UPI profile to switch your UPI ID. Share your QR code or download it in the profile section. You can also share the QR code using various messenger apps like WhatsApp, Email etc. available on phone.

Bank Account

Switch between multiple bank accounts linked with the app. You can set/change your BHIM UPI PIN or check your bank balance and transactions details on the go.

Privacy

You can disable and enable mobilenumber@upi in the profile if a secondary UPI ID is created. The QR code for the disabled UPI ID is also disabled.

Payment Reminders

You schedule payments as per your convenience.

Split Bill

You can split bills with multiple UPI users at a click of a button.

Block/ Spam

You can block/spam users who are sending you collect requests from illicit sources.

Languages supported

Currently, 20 languages supported on this app, i.e., Assamese, Bengali, Bhojpuri, English, Gujarati, Haryanvi, Hindi, Kannada, Khasi, Konkani, Malayalam, Manipuri, Marathi, Marwari, Mizo, Odia, Punjabi, Tamil, Telugu and Urdu.

Banks live on BHIM App

To find out if your bank is live on this app, click here.

What are the charges for transacting?

This simple and reliable service is totally free. NPCI (National Payments Corporation of India) does not charge any user for transacting on this app. Kindly ask your bank for their charges.

Transaction limit

The transaction limit is Rs.40,000 per transaction and per day. Please note that your Bank’s transaction limit may vary from BHIM limit.

BHIM Customer Care Number

You can reach out to the following BHIM App customer care number for any queries or complaints on your BHIM transactions.

1. BHIM Toll Free number 18001201740

2. Helpline number 022-45414740

For more information, click here.

Final Thoughts

You can do simple and secure transactions on the go in your preferred language using BHIM UPI. It allows you to make instant bank-to-bank payments. Pay and collect money using just mobile number or UPI ID. Therefore, BHIM App download and simply start transacting.

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