BHIM is a UPI-based app developed by the National Payments Corporation of India (NPCI) that facilitates safe, easy & instant digital payments through your smartphone. Using BHIM UPI you can instantly transfer money from your bank account to other bank accounts just within a few seconds. Here is a curated list of Frequently Asked Questions (FAQ) on BHIM UPI.
Note: We are not associated with BHIM or NPCI. For all queries and issues related to transactions, contact your bank’s customer support. You can also contact NPCI or BHIM support by filling up this form.
How to set up the BHIM app?
To set up BHIM UPI, you need to select your Preferred language, Your mobile number, and your bank name. Language can be changed at any time after the setup. If you have a single SIM phone, the default number will be used for verification. If you have a dual SIM phone, select the number which is linked to your bank account. Check this article for detailed instructions for setting up the BHIM UPI app.
How to send money using the BHIM app?
To send money, Open Send tab from the main page. Enter the Mobile Number or UPI Payment Address of the person to whom you want to send the money and click on Verify. You can also select the mobile number from your phone contacts by typing the name of the person. Enter the Amount and Remarks (Optional).
Finally, enter your UPI PIN to complete the transaction. Note: Once you click on verify, App will show you the name of the person. So, confirm the name before sending the amount. If the person is not registered to UPI banking, you’ll get the error saying ‘Beneficiary Payment Address Incorrect‘.
How to transfer money using an account number & IFSC code?
Go to Send and select A/c+IFSC and select the Bank. Input the IFSC Code, Account Number, Beneficiary Name and tap on the Send button. You will be asked to enter your UPI PIN. Enter Pin to complete the transaction.
How to send money from one bank account to another account?
To transfer money from your one bank account to another bank account, link the bank account to the BHIM app from which you want to transfer the money. Next, send money to your other bank account using your Account Number and IFSC code. To know more refer to FAQ 3.
How to send money using an Aadhaar number using BHIM App?
Go to Send and enter the Aadhaar number of the person to whom you want to send the money and tap on Verify. If the entered Aadhaar number is valid, you will be redirected to the payment screen. Enter the amount and hit the PAY button.
Enter the UPI PIN to complete the transaction. Make a note that the Money sent to the Aadhaar number will be credited to the person’s Bank account linked to the Aadhaar number. If someone links their Aadhaar number in two bank accounts and in such cases the money gets credited to the account where the Aadhaar number was linked the latest.
Can I send money using BHIM App to someone who has linked his account to Aadhaar, but doesn’t use BHIM app?
You can send money using his/her Bank account number and IFSC code. Refer to FAQ 3.
Sent money to the wrong account. How to get back?
It is not possible to get back the money once it has been credited to another account. Alternatively, if you know the person to whom the money has been sent wrongly, you can request that person to remit back the money to you. Contact your bank customer support for more information.
How to confirm if a BHIM UPI transaction is successful or not?
You will get a confirmation message once the transaction is complete. You can check your transaction status from the Transactions section. If the transaction is complete, the result will be added to the All Transactions section, and you will find the status as Success.
If the transaction is delayed or pending, the result will be posted in the Pending section along with a UTR or bank reference number. You will also receive an SMS from your bank.
Money is debited from the bank account but not credited to the recipient account
In such cases, Open the Transaction tab and select the transaction you want to report. Tap on the Report Issue or Raise Concern option at the bottom. Enter your issue and Submit. The amount should be reversed to your bank account in 3 business days.
UPI Transaction failed, but money debited from the account.
In such cases, the money will be refunded back to your account within a few minutes. Sometimes this takes longer than intended. If you do not receive a refund within 1 hour, contact your bank’s customer support. You can also raise the request from the app for faster resolution. Refer to FAQ 9.
What are the transaction charges of BHIM UPI?
No. There are no charges for making the transaction. But your bank might, however, levy a nominal charge as a UPI transfer fee. Contact your bank for more details.
What is the difference between App Passcode and UPI PIN?
During the BHIM app installation, you will be asked to Generate the Passcode. This code is to protect your app from unauthorized access. You need to enter this code while opening the app every time. UPI PIN is required to transfer the money or to check the Account Balance. Always keep both the codes different and never share these codes with anyone. You can change both codes whenever required.
How to set, generate or reset the BHIM UPI PIN?
To generate UPI PIN go to Bank Accounts from the main page and tap on Reset UPI Pin. Enter the last 6 digits of your Debit card number & Expiry date and press Enter. One SMS will be sent from your mobile for OTP, and the app will detect the 6-digit OTP automatically.
Now enter the 4 Digit UPI PIN and hit Enter. For better security, do not use a simple PIN like 1111 or 1234. You can also Generate or Reset the UPI PIN using the USSD method. Refer to FAQ 18.
How to change UPI PIN in the BHIM app?
To change the UPI PIN, OpenBank Accounts tab and tap on Change UPI Pin. Enter your old UPI PIN and then enter your New UPI PIN. Enter the New UPI PIN Again to confirm and hit Enter. You will get the confirmation message as UPI Pin Changed Successfully. Start using your new PIN.
What if I forget my BHIM UPI PIN?
I don’t remember my UPI PIN. What should I do?
If you have a Maestro card without the expiry date, While resetting the UPI PIN, Select the Maestro Card checkbox. Once you select the checkbox, Valid Up to field will disappear automatically. Enter the last 6 digits of your debit card and hit Enter and set your UPI PIN.
I had set up the UPI pin using another app. Can I use the same PIN on the BHIM app?
Yes. You can use the same UPI PIN for transactions on the BHIM app. Go to Transactions and tap on the SYNC option at the top left. Once you tap, the PIN you have set on the other app will be set on the BHIM app.
How to Change or Reset UPI PIN using the USSD code?
You can also reset your UPI Pin using USSD. Once the PIN is reset, you can use the same PIN in the BHIM app. For this procedure, an internet connection is not required. It’s just like checking the balance or activating some services on your phone. Follow the below procedure.
- Dial *99# from your mobile handset
- Enter 7 to Select UPI PIN and tap on Send
- Now enter 1 to Set/Forget UPI PIN
- Enter last 6 digits of your Debit card and the Expiry Date separated by a single space
- Enter your 4 Digit New UPI Pin
- Re-enter the new UPI PIN again to confirm and hit the send button
- A confirmation screen will appear displaying Your UPI Pin is Reset
How to change BHIM app Passcode?
To reset the App Passcode, all you need is your Bank Account Number. Open the app and tap on Forgot Passcode?. Tap on Proceed and select your mobile number which is linked to your Bank account. Enter your bank account number and hit enter. Now enter your new passcode and enter again to confirm. You will get a pop-up saying, ‘Passcode set Successfully’.
How to generate QR Code in BHIM UPI?
From the main screen tap on Menu and select Generate QR Code. Enter the amount and remarks (Optional), and then tap on the Generate QR Code option. The generated QR code can be directly shared or can be downloaded to your phone.
How to change the language in the BHIM UPI?
To change the language, tap on Menu -> Choose Language -> Select your preferred language -> tap on Next. The selected language will be set instantly.
Does BHIM UPI require a Net Banking facility?
No. Your account need not be enabled for mobile banking or Internet banking. BHIM app is based on UPI. So everything will be based on your mobile number. Your mobile number should be registered with your Bank.
What is the maximum amount I can transfer through BHIM UPI per day?
According to BHIM, a user can send up to ₹20,000 per transaction and a maximum of ₹40,000 per day for one bank account. This limit is available per bank account linked to the BHIM app.
Why is my bank is not showing in the BHIM App?
All the Banks which are currently live on UPI, have been listed in the app, and many other banks are getting added soon. If your bank is not listed, then, your bank doesn’t support UPI Banking.
I can’t install the BHIM app on my phone.
The minimum Android version required for BHIM is Android 4.2. So you cannot install the BHIM app on devices running Android 4.1.
How to change a Bank account in the BHIM app?
Open Bank Accounts tab from the main page. Tap on options & select ‘Change Account‘ and select Proceed from the pop-up. Now select the bank you want to change. Once you select the new Bank, it will become your default Bank in the BHIM app.
How to use 2 Bank accounts in BHIM App?
No. You cannot link multiple accounts to the app. You can only select one preferred account as the default account. So money sent to your number or your payment address will be credited to your default account. (Here, default account means the bank account used in the BHIM app). You can always change or switch to another bank account. Refer to FAQ 26.
How to delete a bank account in the BHIM app?
To delete the bank account, Go to the Bank Account tab from home the screen, scroll down and tap on the Remove button. Select Proceed from the pop-up to delete the bank.
I have multiple accounts linked to the same mobile number. Which accounts can I use for sending money?
The account which you have selected will be displayed on the top left with the Bank’s icon. That will be your default bank. To change your Bank refer to FAQ 26.
How to create a new payment address in the BHIM app?
To create a new payment address, Go to Profile and tap on Add Payment Address. Type your new payment address and tap on Confirm Payment Address. Now the new address will be listed with the default address. Tap on Make Primary to set your new address as the default payment address.
How many payment addresses can be added to the BHIM app?
You can create only 1 payment address (VPA) apart from the default payment address. Your default payment address will be (mobile_number@UPI).
How can I delete my UPI ID in the BHIM app?
You can edit the Payment Address (VPA), but it is not possible to delete it. To edit the Payment Address go to Profile and tap on the menu and select Settings. Your custom payment address will be displayed at the bottom. Tap on the Edit button, Enter your new payment address, and hit the Confirm Payment Address button. That’s it, your new payment address will be updated instantly. Note: You can edit your Payment Address only once.
How to disable the default UPI ID in the BHIM app?
If you are getting too many SPAM requests for money, you can disable your default Payment Address. So you will not be visible to the public, and users will not be able to send/request your money. To disable the default payment address in the BHIM app, Go to Profile, tap on the Menu & Turn off the toggle in front of the payment address.
BHIM app is not detecting the OTP in my Smartphone.
Make sure the SMS option is enabled in the App permissions. To check, Go to your Smartphone Settings -> Apps -> BHIM -> Permissions -> SMS. If SMS is disabled, enable it. You can also enter OTP manually.
How to use the BHIM app without a debit card?
A Debit card is required to generate the UPI PIN. So without a Debit card, it is not possible to use the BHIM app.
Can I use the BHIM app without the Internet?
No. You need an active internet connection or Mobile Data to use the BHIM app.
What will happen to the BHIM app if I change my mobile number?
BHIM app fetches your account details based on the mobile number linked to your bank account. So if you change your mobile number, contact the bank and link the new number to your bank account. Once the number is linked, you can set up the BHIM app using your new number.
My mobile with BHIM UPI lost. What to do?
BHIM app is provided with two layers of security – Passcode and UPI PIN. Without the passcode, one cannot open the app, and without the UPI PIN, one cannot do the transactions. For better security, use different numbers for both Passcode & UPI PIN and always keep it confidential. To be on the safer side, contact your bank customer care immediately.
How to unblock UPI in the BHIM app?
If you enter an incorrect PIN multiple times, your account will be blocked to prevent unauthorized access. Try resetting the UPI PIN (FAQ 13) or contact your bank support to unblock the account.
What will happen if I uninstall the BHIM app?
You will not lose any transaction data if you uninstall the BHIM app. All the transaction details, including the custom payment address, will be restored once you sign into the app again. Your UPI PIN will remain the same.
41. Does the BHIM app auto-deduct payments from my bank account?
No. The BHIM app will not auto-deduct payments from your bank account.
BHIM UPI registration failed
BHIM app uses the registered mobile number to fetch your bank account details. So select the mobile number which is linked to your bank account. If you are using a dual SIM smartphone, make sure you have selected the correct mobile number.
BHIM UPI Beneficiary Payment Address Incorrect
Make sure you have entered the recipient’s number properly. You can not send money to a person who doesn’t have a virtual payment address or who has not activated UPI banking. You can also send money using the recipient’s Bank Account number and IFSC code. Refer to FAQ 3.
BHIM UPI Collect request is not reaching
In such cases, first, make sure you are connected to the Internet. If not, turn on the Mobile data or WiFi. If you have entered your payment address in the merchant app, re-check your payment address and re-try the transaction. Check the pending transactions tab to check if the collect request has reached you.
BHIM UPI Transaction limit exceeded
You will get this error if you exceed the daily transaction limit i.e., ₹20,000. You can transfer up to ₹10,000 at a time.
BHIM UPI Limit Exceeded, Please try after 30 minutes
You will get the above error if you enter the App Passcode wrong three times. This feature is implemented to prevent unauthorized access to the BHIM app. So you will not be able to use the app for 30 minutes after 3 wrong attempts. After 30 minutes open the app and enter the right passcode and get access to the app. If you forgot the App passcode, follow FAQ 19 to reset the App Passcode.
BHIM UPI – Device Binding Failed
This error usually occurs due to issues with the network connection and when the app cannot send SMS. Make sure you have updated the BHIM app else, update it from Google Play Store.
BHIM App Failed to Connect
This error is due to connectivity issues. Make sure you are connected to an active internet connection (WiFi or Mobile Data).
BHIM App Transaction failed
UPI transactions can fail for multiple reasons, most likely due to connectivity issues to the banking system, Incorrect payment address entered, or wrong UPI PIN. If your transaction fails, please try again after a few minutes. If the error persists, contact your Bank customer support.
How to save beneficiary details in the BHIM app?
Yes, you can save the beneficiary details. While sending money to a particular person, you’ll have to click on the Save for Future option. All beneficiary details will be saved under the My Beneficiaries tab, and anytime you can delete the details.
How to delete saved contact from BHIM UPI?
Go to My Beneficiaries and select the contact. Once you select the contact, You will get two options – Send Money and Delete. Click on delete to remove the beneficiary from the list.
How to block unknown money requests in the BHIM app?
You can block the sender by clicking on SPAM and also by clicking the particular sender so that he can no longer send you unwanted requests.
How do I unblock a user in the BHIM app?
Go to My Beneficiaries and tap on the Menu and Blocked Contacts. You will get the list of blocked contacts. Click on the contact which you want to unblock and select the Unblock option to unblock the contact.
How to do UPI Payments on E-commerce Websites using BHIM UPI?
While making an online payment, select UPI as a payment option. On clicking that, you will need to enter your Payment Address (xxxx@upi). Once entered, you will receive a collect request on your BHIM app. Accept the request and enter your UPI PIN to complete the payment.
How to add money to Paytm using the BHIM app?
You can easily add money to your Paytm wallet using the BHIM UPI app. Refer to this article for step-by-step instructions.
What is BHIM App Referral Bonus Scheme?
If you are a BHIM user and introduce your friends/family to use the BHIM app, Both you and the new user will get a monetary bonus. Once the new user downloads the app from Play Store, you need to enter your number during the first transaction in the ‘Referal Code’ field. The referral code field will appear on the transaction page and will be visible only to the new BHIM user at the time of their first financial transaction process.
The referral will be considered successful only after 3 unique successful transactions have been completed by the new user. On completion of a minimum of 3 unique successful transactions totaling ₹50 to any 3 unique users, the referrer (You) and the referee (New User) will be notified of the bonus amount via notification in the BHIM app. You will get ₹10 per successful referral, while the new users will get ₹25 for downloading and transacting from BHIM App. The bonus will be credited to the bank accounts of the referrer and the referee after meeting the eligibility criteria.
What is BHIM Merchant Incentive Scheme?
This scheme only applies to Merchants, and merchants need to register their businesses in the BHIM app. Once the user clicks on the I AM A MERCHANT tab (Home Screen -> Menu), he/she has to fill in the appropriate details asked by the BHIM App, including Business Name, Contact number, Merchant category, Merchant address, etc. Merchants can use any mode available on BHIM [QR Code, VPA, Mobile number, or Aadhaar number] to collect payments from their customers.
On achieving the cashback incentive slab as defined for the merchants, NPCI initiates the cashback, and the merchant is notified of the cashback via notification in the BHIM app. The scheme applies to all merchants who receive payments on BHIM App or *99#.
How to check rewards in BHIM App?
To check rewards, Go to ‘Transactions‘ and select Rewards by tapping the Menu.
What is the split-bill feature in the BHIM app?
The split bill feature allows you to divide a bill between yourself and other users (BHIM and UPI). For example, you and your friends have used a product/service amounting to ₹1,000. Using the split bill feature, you can enter the total amount and that will get automatically split between the users after entering their payment address (VPA). A collect request will be initiated, and the payers need to approve the request.
How to remove transaction history in the BHIM app?
There is no way to delete transaction history in the BHIM app.
How to pay bills using BHIM UPI?
Check out this article for more information on BHIM bill pay, Supported billers, etc.
What is the customer care number of the BHIM app?
In case of any problems or issues related to BHIM UPI, such as transactions, account misuse, etc., reach out to the BHIM Toll-free number 18001201740. You can also reach your bank’s customer support directly from the app itself. From the BHIM app home screen, tap on the Transactions tab -> Select your transaction -> select Call Bank. You can even reach BHIM UPI customer support by filling out this form.
If you have any other specific questions or your queries not listed here, do let us know in the comments, and we’ll add those queries as soon as possible. Follow GizArena on Facebook and Twitter for the latest updates.