Guide to use BHIM App

BHIM App: Download, Features and How To Use.

Today BHIM app is the most popular UPI app. Within 10 days of its launch, 1.1 crore people have downloaded this app. Indeed, It is the easiest way of money transfer. BHIM app is available for android but not for iOS.

BHIM is the app of my choice. I love its simplicity and ease. It is clean, clear and vibrant. There are not too many function in this app that is why it is easy to operate.

Since the launch of UPI app, there has been numerous UPI based Apps, ICICI Bank’s iMobile and yes banks Phonepe were the pioneer. Gradually, other banks also launched their UPI app. Finally, SBI Pay and Baroda MPay were launched. These two were simpler than others. But, the BHIM has beaten all of them. It is the simplest and easiest UPI App. However, to make UPI app simple and easy, it was necessary to forego some features of UPI. It is a basic UPI app for all.

Basic Features of BHIM
Special Features of BHIM
New Features of BHIM
Interface
How To Download BHIM
How To Use BHIM
Send Money Using Aadhaar
Collect Money
Limitations of BHIM
Banks Available on BHIM app
General Questions About BHIM

What is BHIM or Bharat Interface for Money?

BHIM is a mobile app that lets you make fund transfer. It is very simple and easy. It is even easier than wallet. BHIM app uses the UPI platform for the transaction. That is why you don’t require bank account number of the payee to transfer fund. Mobile number or virtual payment address is suficient to pay money.

How fast is a transaction over BHIM?

It is very fast. You can complete whole transaction within 20 seconds. You would get SMS of credit and debit immediately.

Are there any charges ?

There are no charges for transaction through BHIM or any UPI app. However bank can charge nominal UPI or IMPS transfer fee. Relax! banks are not charging any such fees yet.

How can I use the BHIM app?

To start using BHIM 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.

Does BHIM works on each Mobile platform?

No, It does not works on each mobile platform. As of now it is only available for Android. the NPCI has not developed the UPI payment sysetm for iOS and Windows mobile. That is why BHIM app for iOS is not available yet.

Can I send money to anyone using BHIM?

Yes, you can send money to anyone if the payee have any UPI app or created the virtual payment address of UPI. The BHIM uses UPI platform which facilitates fund transfer among the bank accounts. The banks account should from the UPI enabled banks. All the big national banks are the part of UPI. You would be able to transfer fund by entering bank account number and IFSC code.

What if I change my handset?

If you change your handset, you will need to
1) Download the BHIM app again
2) Login with your mobile number and password
3) Allow BHIM to verify you

After verification your account will be restored and you can use it as earlier.

How safe is BHIM?

BHIM is very safe. It has 3 factor authentication.

You have to enter the passcode of BHIM app every time you open it. The app logs out if there is inactivity for some times. It would also logs out if you attend a call or start using another app.
The BHIM app would work only on your phone. Your passcode or UPI PIN can’t be used in any other phone.
Every transaction on BHIM requires you to enter your UPI-PIN which is known only to you. preventing unauthorised access. You should not share this UPI-PIN.
In addition all transaction initiated over BHIM are carried out over secure bank networks and all communications between BHIM and banks are over encrypted channels.