BHIM UPI App: Understand How To Use and Make Payments

Know in detail how to use the BHIM UPI app, how to set UPI PIN, and more.
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BHIM UPI App: Understand How To Use and Make Payments
5 mins read
09 June 2026

BHIM UPI payment app

BHIM (Bharat Interface for Money) is a UPI-based digital payment application developed by the National Payments Corporation of India (NPCI). The app allows users to send and receive money instantly between bank accounts using the Unified Payments Interface (UPI).

The BHIM UPI app supports multiple digital payment services such as bank transfers, QR-code payments, bill payments, and mobile recharges. It is designed with a simple interface and supports multiple Indian languages for easy accessibility.

BHIM is interoperable with other UPI-based apps, allowing users to make payments across different UPI platforms seamlessly. The app also includes features such as transaction history, account-balance checks, payment reminders, and secure authentication through UPI PIN verification.

With its secure payment framework and simple user experience, the BHIM UPI app has become one of the widely used digital payment platforms in India.

Why should you use the BHIM UPI payments app

The BHIM UPI app offers several features that make digital payments simple and convenient.

Easy and convenient payments

Users can transfer money instantly and make payments directly from linked bank accounts.

Multiple language support

The app supports several Indian languages, improving accessibility for users across regions.

Secure transaction system

BHIM uses multi-level security protocols and UPI PIN authentication for secure payments.

Interoperability with other UPI apps

Users can send and receive money across different UPI-enabled applications.

Instant transaction processing

Money transfers and bill payments are processed in real time through the UPI network.

QR-code payment support

Users can scan QR codes to make payments quickly at shops and merchant locations.

Mobile recharge and bill payments

The app supports utility bill payments and prepaid mobile recharges.

24x7 availability

BHIM UPI services are available throughout the day, including weekends and holidays.

How to download the BHIM UPI App

Follow these steps to download the BHIM UPI app:

  1. Open the Google Play Store or Apple App Store on your smartphone
  2. Search for the ‘BHIM’ app
  3. Verify that the developer is the National Payments Corporation of India (NPCI)
  4. Click on the ‘INSTALL’ button
  5. Wait for the app installation to complete
  6. Open the app and begin the registration process

Users can also access information related to the BHIM app through official NPCI platforms.

Steps to login to BHIM UPI

To register and log in to the BHIM UPI app, follow these steps:

  1. Download and open the BHIM app
  2. Select your preferred language
  3. Click on ‘GET STARTED’
  4. Enter your registered mobile number
  5. Verify the mobile number using OTP authentication
  6. Select your bank account from the available list
  7. Enter the last six digits of your debit card and expiry date
  8. Set your 4-digit or 6-digit UPI PIN
  9. Complete the registration process

Once registration is complete, users can start making UPI payments and transfers.

Steps to set a passcode on the BHIM UPI App

Setting a passcode adds another layer of security to the BHIM app.

Follow these steps to create a passcode:

  1. Open the BHIM app
  2. Tap the menu icon on the top-left corner
  3. Select ‘PROFILE’
  4. Tap on ‘SET PASSCODE’
  5. Enter a 4-digit or 6-digit passcode
  6. Re-enter the passcode for confirmation

The passcode helps secure access to the app on your device.

Features available on the BHIM UPI App

The BHIM app supports multiple banking and payment-related services.

Bank account linking

Users can link one or multiple bank accounts to the same mobile number.

UPI money transfers

Funds can be transferred instantly using:

  • UPI ID
  • Mobile number
  • Bank account and IFSC code
  • QR code

Transaction history

Users can view previous payment and transfer records directly in the app.

Account balance check

The app allows users to check linked bank-account balances securely.

QR-code payments

Users can make merchant payments by scanning UPI QR codes.

Bill payments and recharges

The BHIM app supports utility bill payments and mobile recharge services.

Safety tips while using the BHIM UPI App

To use BHIM securely:

  • Never share your UPI PIN
  • Download the app only from official app stores
  • Verify payment details before transactions
  • Avoid clicking unknown payment links
  • Use secure mobile networks while making payments
  • Keep your device and app updated

Check other UPI payment articles

  • Fake UPI payment
  • UPI vs BHIMVPA in UPI
  • UPI QR code
  • UPI reference number tracking
  • UPI Autopay
  • UPI full form
  • Fake UPI payment scams

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Frequently asked questions

Which bank is BHIM UPI app?

The BHIM UPI app is not directly associated with a specific bank. It's a Unified Payments Interface (UPI) app developed by the National Payments Corporation of India (NPCI) and launched by the Indian government.

What is the full form of BHIM UPI?

BHIM and UPI have separate full forms:

BHIM: Bharat Interface for Money

UPI: Unified Payments Interface

Is BHIM UPI owned by the government?

BHIM UPI is not directly owned by the government in the traditional sense. However, it involves a collaboration between various government and private entities.

Is BHIM app a mobile wallet?

BHIM (Bharat Interface for Money) app is not a mobile wallet, but a UPI (Unified Payments Interface) enabled payment app that facilitates transactions between bank accounts. It does not require pre-loaded funds. Users can make transactions using the UPI PIN of their bank account.

Can I use the BHIM app if my bank has not gone live with UPI?

No, you cannot use BHIM (Bharat Interface for Money) if your bank has not gone live with UPI (Unified Payments Interface). The app can only be used for transactions between banks that are enabled with UPI. You can still check the app for bank updates if your bank subscribes in the future.

Are there any transaction charges for using BHIM UPI app?

As of August 2021, there are no transaction charges for using the BHIM (Bharat Interface for Money) app. BHIM is a UPI (Unified Payments Interface) enabled app, and it operates on a government-owned platform, making it free of charge for all users.

Can I use the BHIM payments app if I do not have access to internet?

No, you cannot use BHIM (Bharat Interface for Money) app without access to the internet. The app requires a mobile data connection or Wi-Fi connectivity to access and transfer funds.

What is the BHIM UPI app?

BHIM is a UPI-based digital payment application developed by NPCI for money transfers and online payments.

Is BHIM different from UPI?

BHIM is an application that uses the UPI payment system developed by NPCI.

Can I link multiple bank accounts to BHIM?

Yes, users can link multiple bank accounts registered with the same mobile number.

Is BHIM UPI safe to use?

BHIM uses secure authentication methods such as OTP verification and UPI PIN security for transactions.

Can I make QR-code payments using BHIM?

Yes, BHIM supports QR-code-based payments at supported merchant locations.

Is there any charge for using BHIM UPI?

Most BHIM UPI transactions are generally free, depending on the bank and transaction type.

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