How To Download And Setup BHIM App? --- --- Transaction Using BHIM App --- --- ---    For Any Enquiry Call On Tollfree 14444 ---  FAQs About BHIM App."/>
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BHIM App ! Download & Transaction Guide & FAQs.

“Bharat Interface for Money (BHIM) is an initiative to enable fast, secure, reliable cashless payments through your mobile phone. BHIM is interoperable with other Unified Payment Interface (UPI) applications, and bank accounts. BHIM is developed by the National Payment Corporation of India (NPCI). BHIM is made in India and dedicated to the service of the nation.”

The new BHIM app launched by Indian government is working very well and getting very good reviews. But some people are facing some problems while Downloading and Setting  up the BHIM app. Here is a quick guide but before jumping to the instructions please share this information to your friends through social media if you get this article helpful.

Requirements – An Android Smartphone (Version 4.1 or Above)/ IOS phone.

 How To Download And Setup BHIM App?

  • Download from the PlayStore (Search “npci upi app” in the PlayStore), Or Download BHIM App Here. Download/Install 
  • Open BHIM App and select your preferred  language( Hindi Or English)
  • Allow BHIM App to access your SMS and Phone State so that phone can be verified from UPI.
  • BHIM App will ask the permission to manage your calls and SMS. >> Allow It.
  • In the case of Dual Sims in your phone select One Sim to link with the BHIM app. Remember it must be  linked with the Bank Account you are Going to use.
  • Now a SMS will be send from the selected SIM card and you will be charged Re 1, So make sure you have at least Re1 balance.
  • Now BHIM App will ask for the Four digit pin code(PassCode).
  • Now Select From the following 31 banks.

Supported Banks:

  1. Allahabad Bank
  2. Andhra Bank,
  3. Axis Bank
  4. Bank of Baroda,
  5. Bank of Maharashtra,
  6. Canara Bank,
  7. Catholic Syrian Bank,
  8. Central Bank of India,
  9. DCB Bank,
  10. Dena Bank,
  11. Federal Bank,
  12. HDFC Bank,
  13. ICICI Bank,
  14. IDBI Bank,
  15. IDFC Bank,
  16. Indian Bank,
  17. Indian Overseas Bank,
  18. IndusInd Bank,
  19. Karnataka Bank,
  20. Karur Vysya Bank,
  21. Kotak Mahindra Bank,
  22. Oriental Bank of Commerce,
  23. Punjab National Bank,
  24. RBL Bank,
  25. South Indian Bank,
  26. Standard Chartered Bank,
  27. State Bank of India,
  28. Syndicate Bank,
  29. Union Bank of India,
  30. United Bank of India,
  31. Vijaya Bank.
  • Now add Your account number to BHIM app.
  • Your BHIM APP SETUP has been completed. Now use It.

Transaction Using BHIM App

Custom Payment Address
: The user can create a custom payment address, in addition to their phone number.(read about Custom Payment Address in FAQs Below)

QR Code: You can scan a QR code for faster entry of payment addresses and faster transaction speed. Merchants can easily print their QR Code for display, which other users can scan and transact through the app.

How To Send Money Using BHIM App?

From The Home Screen Of BHIM App>>

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

How To Request Money From BHIM App?

From The Home Screen Of BHIM App>>

1) Select Request Money
2) Enter or select the receiver’s mobile number or Payment Address (you can select from your contact list or enter it) or Adhaar number
3) Enter the amount you want to request
4) 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. Goto Home Screen->Profile->Choose account to get QR code



Transaction Limit: In a 24-hour cycle, a maximum transaction not exceeding Rs 10,000 is allowed as well as an upper limit of Rs 20,000 worth of transactions.

   For Any Enquiry Call On Tollfree 14444

 FAQs About BHIM App.

What is UPI?
Unified Payment Interface(UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI), an RBI regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two parties bank accounts.

What is UPI-PIN?

UPI-PIN (UPI Personal Identification Number) is a 4-6 digit secret code you create/set during first time registration with this App.You have to enter this UPI-PIN to authorize all bank transactions. If you have already set up an UPI-PIN with other UPI Apps you can use the same on Bharat Interface for Money. (Note- Banks issued MPIN is different from the UPI UPI-PIN, please generate a new UPI-PIN in the Bharat Interface for Money app) Note – Please do not share your UPI-PIN with anyone. Bharat Interface for Money does not store or read your UPI-PIN details and your bank’s customer support will never ask for it.

What is Payment Address?

Payment Address is an Address which uniquely identifies a person’s bank a/c. For instance, the Payment Address for Bharat Interface for Money customers is in the format xyz@upi. You can just share your Payment Address with anyone to receive payments (no need for bank account number/ IFSC code, etc.). You can also send money to anyone by using their Payment Address. Note – Do not share your confidential UPI PIN with anyone.

How do I set the UPI-PIN for my bank account from Bharat Interface for Money?

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’.

Hope We were able to provide enough information about the BHIM App. Hope You liked this Article. Please Share this post on Social Media so that more and more people can know about the BHIM App.

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  1. Why bank of india option is not here in bhim apps

  2. How to get UPI pin….If my debit card doesn’t have expiry date….

  3. How to set UPI pin….If my debit card doesn’t have expiry date….

  4. MY AIRSAL NO PAR SMS failed batata hai
    Lakin Geo रिलायंस ५ रडिस्टर्ड हो जाता है ,ऐसा क्यों,जबकि बैंक account में मेरा एयरसेल mobile no रडिस्टर्ड है

  5. How to change the passcode

  6. I have no debit card or credit bank, how do I create a UPI pin.

  7. Hello,
    I have my canara bank account linked to my mobile no and Canara bank mobile app is working fine. My issue is I am unable to go beyond selecting bank as error “message say account does not exit” on BHIM app. How can I use BHIM app on my Samsung Note 4

  8. Bank of india is not listed why

  9. while setting the upi pin i am receiving only 4 digit otp but it requires 6 digit…then how to set upi pin????

  10. I have accounts with more than one bank. Can I link BHIM to more than one bank.

  11. How to change the payment address

  12. Is it possible to remove bank account from the app? if yes, how? Pls guide.

  13. Not bank of India listed

  14. I have SBI account registered with my mobile number. It is saying account number does not exists. However I m using SBI mobile app.

  15. I have SBI Maestro card ( Debit Card) and on that card validity date not mention. So i cant set UPI PIN in BHIM app. Please do needful.

  16. Getting msg ‘No Sim ‘available???.what to do??

  17. How you pin is set in my app though I am trying but it is not set, error generating otp.

  18. Dear Sir,

    Using the BHIM app i tried to know my current balance by clicking on the “REQUEST BALANCE” option. When i clicked on it i got the message like “Transaction Declined”. What is wrong….Just clarify.

  19. While registering with app after installation, mistakenly my 2nd sim card sms was sent which is not registered with the bank a/c. How can I change it to my actual mobile number ? Will i have to uninstall n again reinstall the bhim app or any other suggestion ?

  20. When can I find citi bank in the app?

  21. I have axisbank account.. i have created passcode. But my bank not get open …message like error…what should i do????

  22. If Maestro Cards are NOT supported by BHIM, Why we have SBI on the List of Banks? I guess all SBI Debit Cards are Maestro with No Expiry Date?


  24. By the time of setting up pin, app is sending OTP, in next line it’s asking UPI pin where it’s available…???
    Im totally confused…
    Which number I need to enter???

  25. Not able to set mpin in BHIM “Error Generating MPIN” is coming , even though receiving message from HDFC that MPIN has been set sucessfully but BHIM app is not allowing to proceed and is stuck in same page.

  26. I have SBI Maestro card ( Debit Card) and on that card validity date not mention. So i cant set UPI PIN in BHIM app. Please do needful.

  27. I have sbi mastro card, set mpin to this app say “incorrect card information”. please give any solution

  28. I have registered with BHIM,
    Problem is it gives a msg that ‘account doesn’t exis’
    Pls suggest me a solution.

    Thanks in advance.

  29. Please add Bandhan Bank

  30. I have registered mobile numver in SBI but here it shows account doesn’t exist

  31. Error while generating upi password.

  32. Not able to set mpin in BHIM “Error Generating MPIN” is coming , even though receiving message from BOI that MPIN has been set sucessfully but BHIM app is not allowing to proceed and is stuck in same page.

  33. G.evening
    I have SBI maestro card, and it doesn’t have expiry date over it . But this app requires expiry date along with last six digit , how my maestro card work.
    What about the solution in case of this issue.

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  36. Sir I have boi account .my card validity is not expire. But when I go to set UPI code with proper otp during that time application shows card validity is expired. What is solution for that.

  37. My frd also Has boi account but bhim is working properly.

  38. Expiry date 01/49 is working for SBI Mastro card. Thank you !!!

  39. I Had Transferred Rs. 10000/- For Bhim Android App But The Thing Is That. The Recipient Upi Did Not Received The Amount. Its Status Shows Pending In fact Amount Has Been Debited from My Account. But Not Received The Same In The Recipient Account. Previously I Had Transferred Amount So Many Time To The Recipient UPI Through Bhim App. But This Time I Dont Know What Happend. Please Suggest What To Do.

  40. Mohammadhusen M Desai

    by mistake wrong transaction by my than what can i do?

  41. unable to send money using Bhim upi app to Account+IFSC feature. (from icici to citi bank).

    error : Could not send money, please verify the payment address and try again!

    Note: As the CITI BANK still not tied up with UPI Feature, i am sending using ACCOUNT+IFSC using ICICI Bhim registered account.

  42. How i can use without expiary date of my sbi debit card

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