BHIM App – Frequently Asked Questions (FAQ)

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1 How to set up BHIM app?

To set up BHIM, You need to select the Preferred language, Your mobile number, and bank name. Language can be changed at any time after the setup. If you have a single SIM phone, default number will be used for verification. If you have dual SIM phone select the number which is linked to your bank account. Check this article for detailed instructions for setting up the app.

2 How to send money from BHIM app?

To send money, Open ‘Send’ tab from the main page. Enter the mobile number or 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 person name. So, confirm the name before sending the amount. If the person is not registered to UPI banking then you will get the error saying “Beneficiary Payment Address Incorrect”.

BHIM - FAQ - Sending Money Using VPA

3 How to send money using Bank Account Number and IFSC code?

Go to ‘Send’ and select ‘A/c+IFSC’ and select the bank. Input IFSC Code, Account Number, Beneficiary Name and tap on ‘Send’ button. You will be asked to enter your UPI PIN. Enter Pin to complete the transaction.

Sending Money Using Account Number and IFSC

4 How to send money from my one bank account to my another Bank account?

To transfer money from your one bank account to another account, link the bank account to BHIM app from which you want to transfer the money. Next, send money to your another bank account using Account Number and IFSC code. To know refer FAQ 3.

5 How to send money using Aadhaar number?

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 payment screen. Enter the amount and hit the ‘PAY’ button. Enter the UPI PIN to complete the transaction. Note: Money sent to 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.

How to Send Money Using Aadhar Number

6 How to send money to someone who doesn’t use BHIM App?

You can send money using his/her Bank Account number and IFSC code. Refer FAQ 3.

7 How can I get the money back if I have sent it to the wrong person?

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, then you can request that person to remit back the money to you. Contact your bank customer support for more information.

8 How will I know if my 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 ‘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.

BHIM Transaction Status Check

9 Money is credited from my Bank account but not debited to the recipient account

In such cases, Open the ‘Transaction’ tab and select the transaction you want to report. Tap on ‘REPORT ISSUE’ or ‘RAISE CONCERN’ at the bottom. Enter your issue and submit. The amount should be reversed to your account in 3 days. You can also reach BHIM support by filling out this form.

BHIM Reporting Transaction Related Issues

10 My UPI transaction has failed but the amount is debited from my bank account.

In such cases, Money will be refunded back to your account within few mins. Sometimes this takes longer than intended. If you do not receive the refund within 1 hour, contact your bank customer support. You can also raise the raise the request from the app for faster resolution. Refer FAQ 9.

11 Are there any charges for making or receiving payments through BHIM app?

No. There are no charges for making the transaction. But your bank might, however, levy a nominal charge as UPI transfer fee. Contact your bank for more details.

12 What is the difference between Passcode and UPI PIN?

During the 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.

13 How to generate or reset the UPI PIN from BHIM App?

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 for OTP and app will detect the 6 digit OTP automatically. Now enter the 4 Digit UPI PIN and hit enter. For better security do not use the simple pin code like 1111 or 1234. You can also Generate or Reset the UPI PIN using USSD method. Refer FAQ 18.

Reset BHIM UPI PIN

14 How to change the UPI PIN?

To change the UPI PIN, Open ‘Bank Accounts’ tab and tap on ‘Change UPI Pin‘. Enter your old PIN and then enter your new PIN. Enter the new pin again to confirm and hit enter. You will get the confirmation message as ‘UPI Pin Changed Successfully’. Start using your new PIN.

How to Change the UPI PIN

15 What if I forget my UPI PIN?

If you forget the UPI PIN, generate the new PIN from the app. Refer FAQ 13 to generate the new UPI PIN. You can also generate or reset the UPI PIN using USSD. Refer FAQ 18.

16 My debit card doesn’t have the expiry date. How can I generate UPI PIN?

If you have 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 last 6 digits of your debit card and Hit enter and set your UPI PIN.

17 I have already set a UPI pin using my Bank’s app (Ex: iMobile). Can I use the same PIN on BHIM app?

Yes. You can use the same UPI PIN for transactions on BHIM app. Go to ‘Transactions‘ and tap on ‘SYNC” option at the top left. Once you tap, the PIN you have set on the other app will be set on BHIM app.

BHIM - Sync UPI

18 How to reset UPI PIN using USSD?

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, 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 Expiry Date separated by single space.
  • Enter your 4 Digit New UPI Pin
  • Re-enter the new UPI PIN again to confirm and hit send button
  • A confirmation screen will appear displaying “Your UPI Pin is Reset”

How to Reset UPI PIN Using USSD

19 How to change or reset the 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 number which is linked to your Bank account. Enter your 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’.

Reset BHIM App Passcode

20 How to generate QR Code to receive payments?

From the main screen Tap on ‘Three dot Menu’ and select ‘Generate QR Code’. Enter the amount and remarks (Optional) and then tap on ‘Generate QR Code’. Generated QR code can be directly shared or can be downloaded to your phone.

BHIM - Generate QR Code

21 How to change the language in BHIM App?

To change the language, tap on ‘3 dot Menu’ at the top right. Select ‘Choose Language’. Select your preferred language and tap on ‘Next’. That’s it, selected language will be set instantly.

How To Change BHIM Language

22 Does BHIM require Online Banking or SMS banking facility for transactions?

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.

23 How much money can I transfer at a time using BHIM?

You can transfer up to ₹10,000 at a time. Maximum daily limit (24 Hours) is ₹ 20,000.

24 Why my bank is not listed in the 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 means, your Bank doesn’t support UPI Banking.

25 Why can’t I install BHIM app on my phone running on Android 4.1?

Minimum Android version required for BHIM is Android 4.2. So you cannot install BHIM app on devices running on Android 4.1.

26 How to change the bank account linked to 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 Change Bank Account in BHIM App

27 Can I link multiple accounts to 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 account used in BHIM app). You can always change or switch to another bank account. Refer FAQ 26.

28 How to delete bank account from BHIM app?

To delete the bank account, Go to ‘Bank Account’ tab from home screen, scroll down and tap on ‘Remove’ button. Select ‘Proceed’ from the pop-up to delete the bank.

29 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 FAQ 26.

30 How to create a new payment address in 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 default address. Tap on ‘Make Primar’ to set your new address as the default payment address.

Create New Payment Address in BHIM App

31 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).

32 How to edit or delete the payment address in BHIM app?

You can Edit the Payment Address (VPA) but not possible to delete it. To edit the Payment Address go to ‘Profile’ and tap on ‘Three dot Menu’ and select ‘Settings’. Your custom payment address will be displayed at the bottom. Tap on ‘Edit’ button, Enter your new payment address and hit ‘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 Edit Payment Address in BHIM

33 How to disable the default payment address (mobile_number@upi) in 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 public and users will not be able to send/request you the money. To disable default payment address in BHIM app, Go to ‘Profile’, and tap on the ‘3 dot Menu’ & Turn off the toggle in front of payment address.

How to Disable Payment Address in BHIM App

34 BHIM app is not detecting the OTP in my Smartphone.

Make sure “SMS” 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.

35 I don’t have a Debit card. How to use the BHIM app?

A Debit card is required to generate the UPI PIN. So without Debit card, it is not possible to use the BHIM app.

36 Can I use BHIM app without Internet?

No. You need an active internet connection to use the app.

37 What 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.

38 What if I lose my phone?

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 and UPI PIN and always keep it confidential. To be on a safer side, contact your bank customer care immediately.

39 My UPI PIN is blocked. How to unblock it?

If you enter an incorrect PIN multiple times, your account will be blocked to prevent the unauthorized access. Try resetting the UPI PIN (FAQ 13) or contact your bank support to unblock the account.

40 What will happen if I uninstall the BHIM app?

You will not lose any transaction data if you uninstall the app. All the transaction details including custom payment address will be restored once you sign into the app again. Your UPI PIN will remain the same.

41 Will BHIM app auto deduct payments from my bank account?

No. BHIM app will not auto deduct payments from your bank account.

42 BHIM app is not recognizing my mobile number

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.

43 Error – 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 the virtual payment address or who has not activated UPI banking. You can also send money using recipient’s Bank Account number and IFSC code. Refer FAQ 3.

44 Error – 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 at the merchant app, re-check your payment address and re-try the transaction and check the pending transactions tab to check if the collect request has reached you.

45 Error – 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.

46 Error – 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 the unauthorized access to 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.

47 Error – Device Binding Failed

This error usually occurs due to issues with the network connection and when the app is unable to send SMS. Make sure you have updated BHIM app else update it from Google Play Store.

48 Error – Failed to Connect

This error is due connectivity issues. Make sure you are connected to an active internet connection (WiFi or Mobile data).

49 Error – UPI Transaction failed

UPI transaction can fail due to multiple reasons most likely due to connectivity issues to the banking system, Incorrect payment address entered or wrong UPI PIN entry. If your transaction fails, please try again. If the error still persists, contact your Bank customer support.

50 Can I save the beneficiary details for future transactions?

Yes, you can save the beneficiary details. While sending money to a particular receiver you have to click on the option ‘Save for Future’. All beneficiary details will be saved under ‘My Beneficiaries’ tab and anytime you can delete the details.

51 How do I delete a saved contact from My Beneficiaries?

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.

52 How to block unknown money requests in BHIM app?

You can block the sender by clicking on ‘SPAM’ for the request and also by clicking the particular sender so that he can no longer send you unwanted requests.

53 How do I unblock a user?

Go to ‘My Beneficiaries’ and tap on the ‘Three dot Menu’ and ‘Blocked Contacts’. You will get the list of blocked contacts. Click on the contact which you want to unblock and select the option ‘Unblock’ to unblock the contact.

How to Unblock the Contact in BHIM App

54 How do I pay an online merchant through UPI?

While doing 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.

55 How to add money to Paytm wallet using BHIM app?

You can easily add money to your Paytm wallet. Refer this article for step by step instructions.

56 What is BHIM 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, 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 minimum 3 unique successful transactions totaling ₹50 to any 3 unique users (Customers or Merchants), 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.

57 What is BHIM Merchant Incentive Scheme?

This scheme only applies Merchants and merchants need to register their business in the BHIM app. Once the user clicks on the ‘I AM A MERCHANT’ tab (Main Screen -> 3 Dot Menu), he/she has to fill in appropriate details asked by the BHIM App includes 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 the 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 BHIM app. The scheme applies to all merchants who receive payments on BHIM App or *99#.

58 How to check rewards in BHIM app?

To check rewards, Go to ‘Transactions’ and select ‘Rewards’ by tapping the three-dot-menu.

59 What is Split Bill feature in BHIM app?

The split bill feature allows you 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 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.

60 How to delete the transaction history in BHIM app?

There is no way to delete the transaction history in BHIM app.

61 How to pay bills using BHIM app?

Check out this article for more information on BHIM bill pay, Supported billers etc.

You can contact NPCI or BHIM by sending an e-mail to contact[at]npci.org.in or by filling up this form. Please be noted, we are not associated with BHIM or NPCI.

Article last updated on 30th May 2018

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233 COMMENTS

    • Hi Aditya,

      You need to enter “Valid Up to” date of your Debit Card while generating the UPI PIN. If you enter an incorrect UPI PIN or any other account details multiple times, your account will be blocked to prevent the unauthorized access. So contact your Bank’s customer support for the quick resolution.

  1. I’m using this app in Boi. But I’m getting error i.e. Number of pin tries exceeded for the transaction. Please provide with a better solution

  2. I forgot my bhim passcode..And as I go through the forget passcode option it asks for the account number..But even though I am entering the same account number which I linked to bhim earlier it says that account number is not verified..Please help

  3. Hi, I’m getting an error msg saying “beneficiary UPI address restricted”. What does this mean ? What are my options ?

    • Hi Sneha, Possible issues are
      1. Recipient may have deleted the UPI app
      2. There is no active bank account linked to the recipients UPI ID
      3. Recipient did not completed the eKYC
      4. Recipient’s account may have reached the daily or monthly limit

      Alternatively, you can also send money using the Bank account number and IFSC code. Refer FAQ 3

    • Hi Sudhanshu,

      You need to enter “Valid Up to” date of your Debit Card while resetting or generating the UPI PIN. If you enter an incorrect UPI PIN or any other account details multiple times, your account will be blocked to prevent the unauthorized access. So contact your Bank’s customer support for the quick resolution.

  4. Dear Sir
    Please help as I have an sbi a/c registered with BHIM and while trying to add a new corporation a/c I was getting an error invalid card details and thenafter limit exceeded like. Also I tried with USSD but getting the error ” exceeded limit of registration. Plz help me …

  5. I applied syc by mistake and is asked about the new upi pin … By Mistake i applied wrong and when I want to correct it showing the attempts exceed , how will I Set new upi pin … Please help

    • If you enter an incorrect PIN multiple times, your account will be blocked to prevent the unauthorized access. Try resetting the UPI PIN (FAQ 13) or contact your bank support to unblock the account.

  6. Sir my attempts exceeded…..for reset upi pin give me suggestion…i followed FAQ18 but its showing attempts exceeded so i should doo

  7. I have entered my card number correctly and yet to set UPI pin. but whenever i try to set the pin it shows “attempts exceeded” How can i set the pin for my transactions?

    • Hi Nilesh, looks like you have entered the wrong card details multiple times. You need to enter “Valid Up to” date of your card while resetting or generating the PIN. You can also generate the UPI PIN using USSD Method. Refer FAQ 18. If the problem still persists, contact your Bank customer support.

  8. when i am trying to set my upin..it is showing that my debit card details are incorrect. i tried many times but got same error…

  9. 2 days back i had entered the wrong upi pin a multiple times so after that a pop msg was flashed saying “number of tries exceeded” and when i finally entered the correct pin and also reset my pin..the same pop up msg is being flashed in my bhim app till now..
    Please help how to rectify this problem and be able to make transactions via bhim app normally.
    Thank you

    • If you enter an incorrect PIN multiple times, your account will be blocked to prevent the unauthorized access. Try resetting the UPI PIN (FAQ 13) or contact your bank support to unblock the account.

    • Hi, If you enter an incorrect PIN multiple times, your account will be blocked to prevent the unauthorized access. Try resetting the UPI PIN (Refer FAQ 13) or contact your bank support to unblock the account.

  10. I could not able to create upi pin. It is showing that your debit card showing wrong detail I can not understand whats wrong with my debit card please suggest me how to create upi pin

  11. Hii., 7000 rs deducted from account but not credit to the beneficiary account ,plzz help me, what can i do, any customer care number for queries

  12. Sir,
    My bhim app shows “maximum number of payment address verification limit exceeded please try after 43 hours”. What can i do?

  13. after entering upi pin for any transaction in bhim it is going back to home screen with enter app password option. I have given correct UPI PIN and able to reset password from USSD

    • You will get this error if you enter wrong UPI PIN number of times. So Reset your UPI PIN and use the new PIN for transactions. If the error still persists, contact your Bank customer support.

    • Hi, Open the ‘Transaction’ tab and select the transaction you want to report. Tap on ‘RAISE CONCERN’ at the bottom. Enter your issue and submit. The amount should be reversed to your account in 3 days. For faster resolution contact your Bank’s customer support. You can also reach BHIM support by filling out this form.

  14. I am not able to reset my UPI PIN. It says wrong debit card details. I did put last 6 digits of my debit card number and Valid Upto (mm/yy). Please help.

    • Hi, 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, then you can request that person to remit back the money to you. Contact your Bank customer support for more information.

    • Hi, 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, then you can request that person to remit back the money to you. Contact your Bank customer support for more information.

    • Hi Ketan, Go to Transactions -> Menu -> Download Transactions. Select the durations and hit download. The statement will be downloaded in the HTML format.

  15. Dear Sir
    I have used BHIM app for transaction of Rs 2000 to my friend.But due to some reason it failed.My friend does not get that money but my money from account have cut. Please sir help me.

    • Hi Sachin, In such cases, Money will be refunded back to your account within few mins. Sometimes this takes longer than intended. If you do not receive the refund within 1 hour, contact your bank customer support.

        • It is not possible to use the BHIM app without the UPI PIN and to generate the UPI PIN, you need an active Debit card. There is no other way to generate the UPI PIN. Alternatively, you can use Mobile Banking or Net Banking to transfer the amount. Contact your Bank customer support for more information.

  16. i sent money to another account, amount deducted but transaction is not showing success, only showing sent to , i sent money in time of morning , so tell me what should i do.

    • Hi, In some cases due to server issues processing can take longer time. 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 ‘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 (Refer FAQ8). If the transaction failed, the amount will be credited back to your account. If it’s not credited within an hour, contact your Bank customer support.

  17. Hello,
    The transfer is made through adding ac/no and ifsc code of a person. But when checked in the transaction menu in an app, it showed that particular transaction is expired. The irony is the money got debited from the account but not been credited the receiver’s account. Please help with this issue

    • Hello Lingaraj, In some cases due to server issues processing can take longer time. If the transaction is expired, the amount will be credited back to your account. If it’s not credited within an hour, contact your Bank customer support.

  18. I have transferred money from corporation account through bhim app rs.10k it’s wrongly credited to some one else. I have up ref no. But I don’t have account no. As wel as Mobile no. How do I trace that person account no or mobile no. Or his details plz me on this

    • Hello Uma, As far as I know, 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, then you can request that person to remit back the money to you. Contact your Bank customer support for more information.

  19. The debit card I was using get expired.and till now I didn’t get the new debit card.plese tell can I use the BHIm app now

  20. I have made payment through BHIM Apps from OBC Bank of Rs 7000/ in our other’s PNB account, but amount Transfer in wrong UPI address. Please help and solve the problem and refund my money in My Account. I have also raised the complaint against this but still not resolved.

  21. I had to change my Canara bank UPI (empower) VPA due to some reasons. It was de-registred and new payment address has been created. Now I can send money in the new address but others cant see my new payment address in their UPI including BHIM. Even I am not able to send money to Canara from my BHIM UPI ( BHIM has been liked with another bank accout ie Axis) Pls help

  22. Hi Satwik, Trying to pay my HDFC credit card bill using {ac(credit card numbe+ifsc} today i.e sunday vide bhim app. Transaction failed twice. Could there be an issue. Kindly guide. Thanks

  23. what is the reason for error message “number of pin attempt for this transtion is exceded” ..i had changed pin 2 times and also tried to other bank acount ..still apear same error message ..

  24. Thanks a lot Satwik. Noticed the app was not in an updated state. Once updated, the ‘my beneficiaries’ tab opened. Regards

  25. I have used bank a/c-ifsc for a one time transfer. Now the beneficiary is saved. How to delete the beneficiary since I won’t be using again

    • Hi Rohan, Go to ‘My Beneficiaries’ from the main screen and select ‘A/c+IFSC’ tab. Once you select the contact, you will get two options i.e. “Send Money” and “Delete”. Click on delete to remove the beneficiary from the list

    • Hi, In such cases, Money will be refunded back to your account within few mins. Sometimes this takes longer than intended. If you do not receive the refund within 1 hour, contact your bank customer support.

  26. I have maestro card and i tried to setup upi pin but after set up upi pin the page coming back to first 4 digit login page.i know tha expiery date of all maestro card is 01/49.but i can’t able to set up upi pin why?

    • Your transaction will be processed and the amount will be credited to the recipient’s account. In case of failed transaction, the amount will be credited back to your account.

  27. HI Team , I am Raja …..
    I send 3k from my ICICI account to other account but bhim app showing transaction as pending(in orange clr) and money has been debited from my account, at the same time its NOT credited to the account which i send.
    And also there is no report issue option, only call bank option is available.
    I made a call to bank but they are not helping me ,
    what i have to do now ????

  28. Hi
    I tried to send 5k to other account but bhim app showing pending and money has been debited from my account it has been 1 day i also filled the form from npci. Org. In still did’nt got my money back

    • Hello Pratik, In some cases due to server issues processing can take longer time. If the transaction is not processed within an hour, contact your Bank customer support.

  29. Sir i have transferred 10000 through bhim app on 25 march at 8 a.m but amount is debited from my account but did not get credited in get credited in the concerned account and transaction is showing pending status and report the issue option is also not showing

    • Hi Sunil, In some cases due to server issues processing can take longer time. If the transaction is not processed within an hour, contact your Bank customer support.

  30. Sir i transfer 10k to my friend’s account on 20 march around 10pm….the transaction showed pending but she hot the amount but after 4 min her account is auto debited by rs. 10k and the transaction shows the reverse in her passbook….but i haven’t got my 10k back….what should i do?? And the bhim app still showing the transaction as pending

  31. i have transfered money to my frnd, and money has debited from my account but they havnt got the money yet, and the transaction status in bhim app still shows as pending…. please help

    • Hi Rahul, If the status of the transaction is “Pending” means, Bank is processing your request. Due to server issues, it may take more time. If the transaction is failed then Money will be refunded back to your account within few mins. Sometimes this takes longer than intended. If you do not receive the refund within 1 hour, contact your bank customer support.

  32. Hi Team, I transferred 20000 rs to my mother account on March 1, 2017 at 7: 24 and 7:25 am. She has received 1st transaction of 10000 rs but not other transaction of 10000 rs. But my transaction is showing success. Also, i received a sms from my bank showing 20 k debited from my account. What shall i do next, as it has been 20 days.

    • Open the transaction and tap on “REPORT ISSUE” at the bottom. Enter your issue and Submit. You can also contact your Bank customer support to raise the complaint. Refer FAQ 9.

  33. i send money bymistake to the unknown account. i do wrong transaction using name . and 10000 transfer to the unknown account . what i will do to get my money back please provide solution.

    • Hello Nikhil, As far as we know, there is no way to get back your money because it’s already credited to someone else’s account. Bank will only help you if the transaction is failed or pending. For more information contact your bank customer support.

  34. While I transfer from BHIM app to xyz@icici the transfer is failing. But when xxxx@icici requested money, I approved it from BHIM app and the transaction went through. Why am I not able to send money to xyz@icici and xyz@hdfcbank? These bank accounts are all linked to same mobile number as these are my accounts. Could this be the reason?

    • Hi Shyam, Issue is not with the mobile number because you are using Bank Payment Address to send the money. Have you tried any other Bank apart from ICICI? What is the error message you are getting while sending the Money. You can also reach us on Facebook and Twitter.

  35. Hi
    when i am trying to send money to my friend. I am getting error

    Your account is blocked or frozen. please contact your branch. But my net banking account is working fine.

    What would be the reason ?? i used to send daily almost 10-20K by this apps. I got this first time. What could be the reason?
    please explain me

    • Hi Bharadwaj, UPI Banking and Net Banking are different. If you enter the UPI PIN wrong multiple times, your Bank will block your account to prevent unauthorized access. So contact your Bank customer support to Unblock your account.

  36. How can i delete my saved payee from bhim app ?? I mean my saved vpa or account numbers from my app .Please answer me ASAP .
    Thanks .
    Sridhar

    • Hi Sridhar, To edit the Payment Address go to ‘Profile’ and tap on ‘Three dot Menu’ and select ‘Settings’. Your custom payment address will be displayed at the bottom. Tap on ‘Edit’ button, Enter your new payment address and hit ‘Confirm Payment Address’ button. That’s it, your new payment address will be updated instantly. You can edit your Payment Address only once. Refer FAQ 32.

  37. I sent 500rs to my friend and amount is deducted from my account but it is not debited to him. give a suggestion soonly.

  38. I have transferred my money to my friends name XXXXXXXXXXX@upi. His name is same but UPI ID is different and Rs 3000 debited. So what can I do now?

    • Hello Praveen, As far as we know, there is no way to get back your money because it’s already credited to someone else’s account. Bank will only help you if the transaction is failed or pending. For more information contact your bank customer support.

  39. Sir,
    I am not able to make payment using aadhar number, is there any problem, PL. Advise on the matter.

  40. While trying to reset MPIN, after entering last 6 digits of Debit card, proding OTP and then entering new PIN, and confirming the same, I get error message ‘Invalid MPIN entered’. I tried multiple times, but not successful. I tried this using other APP too as well as using *99#, but getting same error. I checked ICICI imobile APP too, and I could not find any option there to reset UPI PIN there too. Can you please help me what can I be the issue.

    For your information, my ICICI account is linked to 3 accounts (2 Savings and 1 Current). This issue is there in case of the Current accounts

    • Hi Naresh, ICICI iMobile App don’t have an option to Reset the UPI PIN. You need to use USSD method to reset the PIN. It seems like some issue with your Bank account, So contact your Bank customer support for more details.

  41. Can i hide my full name being displayed after making a payment . i want that only VPA be displayed rather than full name in the “Transaction”

  42. I tried many times to set the upi bt its not generating.so can i check online about my card details. I also tried from the bank upi app bt again fail to do it.

  43. Sir i have entered my last six digit of my debit card n expiry date..it self detected the otp but after setting the upi pin its showing failed..i done it many times bt i faced the same problem.

    • Hi Abhishek, It may due to issue with the Bank’s server. You can also set or reset the UPI PIN using your Bank’s UPI enabled app and the same PIN can be used in the BHIM app. So try resetting the PIN using the Bank’s app. If the problem still persists, contact your Bank customer support. Remember, you need to enter “Valid Up to” Date while resetting the PIN.

  44. After entering 6 digit and valid upto the app sowing detecting OTP … continuously. But i have not received any sms or otp.. what’s the problem?

    • Hi Kanakaraju, As far as we know, there is no way to get back your money because it’s already credited to someone else’s account. Bank will only help you if the transaction is failed or pending. For more information contact your bank customer support.

    • Hi Ajay, 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, then you can request that person to remit back the money to you. Contact your Bank customer support for more information.

  45. I just wanted to know that when I tried to generate a upi pin, I was asked to enter the code last 6 digits of my ATM card followed by a card valid upto but my card depicts card valid from October 2009.kindly help me In this regard.

  46. I am trying to transfer from Bhim APP to myself (in other bank account) , but still it is showing “Beneficiary Payment Address Incorrect”. I have already successfully installed APP in my mobile then why it is not treansferd? Still am need to activate UPI system? if yes, how can I do? or How can I transfer to those don’t have ?Please suggest

  47. Dear Satwik
    BHIM deducted twice the payment for a single transaction made on Feb 01, 2017 (8 days ago). The money has been deducted twice from my SBI bank account but has not been credited to the beneficiary Canara Bank account. SBI Bank is not ready to take a notice and have directed me to SBI call centre which never responds. How do I proceed?

    • Hi Sanjay, What is the status of the transaction? If the transaction is failed, you can lodge a complaint from the BHIM App itself by using “report issue” option that is available for a failed transaction.

  48. I made mistake in payee account number while money transfer and so transfer is failed but amount is debited from my account. What should I do?

  49. I did a UPI Transaction of by android app BHIM. It asked me to write only payees name and not his account number. Due to which i entered only his name and then clicked on send. After transaction it shows a message of successful transaction but my money was not credited to whom i want.
    when i checked my statement it only show txn id.
    what i do for refund?

  50. There is no option of edit virtual address…..
    Can i edit it after uninstall then install.????
    Or can i edit after changing my registered mobile no. through bank???

    Sir please help any how i want to edit or change my virtual Id..

  51. I sent money to my friend through bhim app,last night ,amount got deducted but transaction is shown as pending and whenever I press refresh it says ‘couldn’t refresh ,please try again later’

    • Hello Sushant, Once the transaction is done, you will get a confirmation message on the screen and also receive an SMS from your bank. Sometimes it may take longer time due to operator issues. In case you have not received your confirmation within an hour contact the bank customer support. You can also lodge a complaint from the BHIM App itself by using “report the issue” option that is available for a failed transaction.

  52. my wife Aadhar number is linked with union bank but when I place that at payee address all goes well but finally a caption appears that bank had declined payment. what to do ?

  53. my daughter number is linked with PNB but when I place that number at BHIM app then it states that beneficiary address is incorrect
    what to do?

  54. I m unable to change my profile transaction address …how can I change it after doing it twice..it is not providing even a single option to edit transaction address…plz help.

    • Hello Nitin, You can create only 1 payment address apart from the default address. Once the new payment address is created, it is not possible to Edit or Delete.

    • Hello Ashish, If you enter an incorrect PIN multiple times, your account will be blocked to prevent the unauthorized access. If the account is blocked, try resetting the UPI PIN (FAQ 13). You can also use your Bank’s UPI enabled app to reset the PIN and the same PIN can be used in the BHIM app. If the problem still persists, contact your bank for the solution.

  55. I have three bank accounts in three different banks. After entering mobile no. it is recognising other two but not one account of syndicate Bank. Any suggestions please

    • Hello Anirudh, As you said, there is an issue with the Syndicate Bank. BHIM app is not fetching the account details. I tried to contact the Syndicate bank customer support but unable to connect to their executives. So I have sent an email to the support. I will get back to you once I get the reply from Bank.

  56. I have typed the last four digits of my debit card and the expiration date correctly. But the app shows that my card details are incorrect. It doesn’t detect my opt automatically, instead I type it manually and it is verified successful(all the permissions are enabled in the app permission). But I have verified my debit card details many times and it’s correct. But the app is showing as incorrect. What’s the problem?

    • Hello Suhas, It is the address which identifies a person’s bank account. This address is used to send and receive the money. Default payment address for BHIM app is “YOUR_MOBILE_NUMBER@upi”. You need to share this payment address with anyone to receive the payments. Also, you can send money to anyone by using their payment address. To change your payment address Refer FAQ 19.

  57. After entering last 6 digit of debit card and valid upto, app is showing that you have entered incorrect card details. Any comment?

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