How to Send and Receive Money using BHIM UPI based Mobile App

Bharat Interface for Money (BHIM)

Today, PM Narendra Modi has launched a rebranded version of Unified Payments Interface (UPI) app at the Digi Dhan Mela camp in Delhi called Bharat Interface for Money (BHIM), the app is developed by National Payments Corporation of India (NPCI) and is available for Android smartphones via Google Play Store.

Bharat Interface for Money (BHIM)

Join Our Whatsapp Broadcast Alert Service for latest deals and updates !!

The BHIM app comes with a simple interface and is built for ease of use. The app is about 2MB in size. On starting the app, you will be asked to give permission to send an SMS and register your phone number. Once registered, you will be asked to set a 4-digit passcode, and then choose your bank. That’s it.

Article : How to Send and Receive Money Using PhonePe App

How to Get Bharat Interface for Money (BHIM) App for your Android Mobile:

BHIM app is available on Android platform. Get it from Google Play Store. Since the app is just launched, it isn’t available for iPhones and Windows phones.

Download BHIM (Android)


  • Simple, Secure and Fast Transfers
  • Now Send, Receive & Request Money Conveniently
  • One App for all Banks
  • Send / Receive Mobile, Payment Address
  • Scan QR Code to pay instantly
  • Check Bank balance instantly

How to Send and Receive Money Using UPI Mobile based Payment Service

How to Setup BHIM App on your Android phone

When you install the BHIM app on your android, you will be asked to enter your mobile number to create an account. Please note that it sends an SMS from your phone to verify your number, no OTP is required to authenticate it further. No sensitive data is shared. Make sure to enter the number linked to your bank account for easy process.


If you have entered a phone number that is linked to your bank account, the BHIM app will automatically fetch details of your bank after you select the bank.

Unlike other UPI apps where you have a cluttered interface, BHIM is a no-frills UPI app. On the top, you have an option to send money, request money or Scan and Pay using QR Code. By default, your registered mobile is your UPI address. For instance, if your mobile number is 8072507157, your default UPI address will be 8072507157@upi. You also get an option to create your customized UPI address, which could be your nickname or full name.

If you have an account in two or three different banks, you can easily switch between banks in just a few clicks. On the homescreen, you have ‘my information’ section, where you need to choose Bank Account. It will open a new screen giving you details about your existing bank account, option to change or reset PIN and request for account balance. On the top right corner, you have three dots to switch to a different bank account.

How to Send money with BHIM App

  • Hit send on the main screen.
  • Enter Mobile/Payment Address and Verify.
  • Enter the amount.
  • Click on ‘Pay’ button.
  • Enter UPI PIN .
  • Done

If not, You can also use IFSC code, Bank account or MMID, Mobile number to send money.

How to Transfer Money Using USSD Code Based Mobile Banking

How to Request for money using BHIM App

To request money,

  • On the main screen, tap Request.
  • Enter Mobile/Payment Address and Verify.
  • Enter the amount and hit Request.

The receiver’s phone pops up a notification about the request.

You can also request money by sharing your QR code. For this,

  • Go to the home screen and select Profile
  • Choose account to get QR code

As UPI is built on top of Immediate Payment Service (IMPS), the transaction takes place in seconds. The best part is – the payment system works 24 hours a day, 7 days a week and 365 days. Talking about limits, you can transfer as low as Re 1 and maximum of Rs 20,000 per day. However, in a single transaction you can transfer maximum of Rs 10,000.

Indeed, BHIM is a simplified app for UPI payments. You get to choose between the UPI app offered by your bank or you can choose to use BHIM. Besides UPI, there is also Unstructured Supplementary Service Data (USSD) based platform which makes transactions as simple as checking the account balance of your prepaid mobile number. The government has also introduced Aadhaar Payment app for merchants, which allows you to pay using your Aadhaar card and fingerprint.

Lists of the banks that support the BHIM app: South Indian Bank, Standard Chartered Bank, State Bank of India, Allahabad Bank, Andhra Bank, Axis Bank, Bank of Baroda, Indian Bank, Indian Overseas Bank, IndusInd Bank, Karnataka Bank, Karur Vysya Bank, Kotak Mahindra Bank, Oriental Bank of Commerce, Punjab National Bank,Bank of India, Bank of Maharashtra, Canara Bank, Catholic Syrian Bank, Central Bank of India, DCB Bank, Dena Bank, Federal Bank, HDFC Bank, ICICI Bank, IDBI Bank, IDFC Bank, Syndicate Bank, Union Bank of India, United Bank of India, Vijaya Bank, RBL Bank,.

Read more at:

Join Our Whatsapp Broadcast Alert Service for latest deals and updates !!

Frequently Asked Questions

What is Bharat Interface for Money?
Bharat Interface for Money is an app that lets you make easy and quick payment transactions using UPI. Its 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 Bharat Interface for Money?
As fast as it can get! All payments over Bharat Interface for Money are linked to your bank account and transaction can be completed within few seconds.

Are there any charges for using Bharat Interface for Money?
There are no charges for making transaction through Bharat Interface for Money. 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 Bharat Interface for Money?
Bharat Interface for Money app is currently available on Android (Version 8 and above) and iOS mobiles (Version 5 and above). We will be making our app available on other platforms very soon.

Is Bharat Interface for Money app compatible with every Mobile OS?
To start using Bharat Interface for Money all you need is a Smartphone, Internet access, 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 Bharat Interface for Money?
Your account need not be enabled for mobile banking to use Bharat Interface for Money. Your mobile number shall have to be registered with the Bank.

Do I need to be a customer of a particular bank to use Bharat Interface for Money?
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 Bharat Interface for Money app.

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’.

Can I link multiple bank accounts with Bharat Interface for Money?
Currently, Bharat Interface for Money 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 Bharat Interface for Money 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 Bharat Interface for Money is used to match the bank accounts linked against it.

Do I have to give Bharat Interface for Money my bank a/c details?
At the time of registartion 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!

For more Details:

Bharat Interface for Money (BHIM)


  1. Merraa andriod phone mea Bhim app installed karrnaa kea one time passcode sahhii dekhattaa hea lakin second time passcode wrong dekhattaa hea pelase Sir/Madam solved my problem.

  2. mai bhaim se money send kiya mere account se paisa cat gya aur us account me credit bhi nhi hua sir plz batye ki mere paisa kaise wapas ayega

  3. It is not working properly (for me). first time it is not at all link with SBI. After few minutes when I tried, OTP is not received in time & shows “some error”. So far it is not working. Since this App struggling for preliminary step
    how can I expect hassle-free & Security of my bank information.


Please enter your comment!
Please enter your name here