BHIM UPI App: Understand how to use and how to 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 how to make payments
5 mins read
03 Jan 2024

BHIM UPI payment app

BHIM (Bharat Interface for Money) is a popular UPI (Unified Payments Interface) payments app developed by the National Payments Corporation of India (NPCI). It is a simple and secure mobile application that allows users to transfer funds instantly between bank accounts, make payments, and do mobile recharges. The app is available in multiple languages and offers a user-friendly interface with various features such as checking account balance, transaction history and setting payment reminders. BHIM is widely accepted across different payment platforms and offers a simplified payment experience with quick transaction processing and maximum security. The app also supports QR code payments and is interoperable with other UPI-based apps. With its ease of use and security features, BHIM has become a popular payment platform in India.

Why should you use the BHIM UPI payments app?

Here are the reasons to use the BHIM UPI payments app:

  • Easy and convenient payment options.
  • Multiple language support.
  • High-security features with multi-level security protocols.
  • Interoperable with other UPI-based apps.
  • Instant processing of transactions.
  • No transaction limits.
  • Fewer steps for bank transfers and easy mobile recharges.
  • QR payments and bill payments can be made with ease.
  • Availability of 24/7 customer support.
  • Weekly cashback offers on using the BHIM UPI Payments app.

How to download the BHIM UPI app?

Here are the steps detailing how to download the BHIM UPI app:

  1. Go to Google Play Store (for Android users) or App Store (for iOS users) on your smartphone
  2. Search for the BHIM app in the search bar
  3. Verify the authenticity of the app and check if the developer is National Payments Corporation of India (NPCI)
  4. Click on the "INSTALL" button to download the app
  5. Once the installation is complete, open the app and follow the registration process to start using the BHIM app for digital transactions

Alternatively, you can also download the BHIM app from the official website of the National Payments Corporation of India or from the BHIM website.

Steps to login to BHIM UPI

To login to BHIM UPI app, follow these steps:

  1. Download and open the BHIM UPI app
  2. Select your preferred language and click on ‘GET STARTED’
  3. Enter your registered phone number and verify it with OTP
  4. Select your bank account from the list of available options
  5. Enter the last six digits of your debit card number and expiry date
  6. Set your preferred 4 or 6-digit UPI PIN
  7. After setting up the PIN, you can use the app for transactions
  8. Optionally, link multiple bank accounts to the same mobile number

Steps to set a passcode on the BHIM UPI app

To set a passcode for the BHIM app, follow these steps:

  1. Open the BHIM app and click on the three horizontal lines on the top left corner
  2. Select 'PROFILE' and tap on 'SET PASSCODE'
  3. Enter a 4 or 6-digit passcode of your choice
  4. Confirm the passcode by re-entering it
  5. Passcode for the app on your phone is successfully set up

By following these simple steps, you can set up a passcode for the BHIM app, adding an extra layer of security before usage.

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

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.

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