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How to use BHIM app

How to use BHIM app

Do you want to send money or receive it on your mobile? What is needed in such a case is simply the “payment address”, not the bank details such as account number, IFSC code, etc.

No beneficiary registration is required and there is no time restriction for sending or receiving funds. This is how the Bharat Interface for Money (BHIM) application works, or, in fact, any Unified Payment Interface or UPI-based platform.

To begin here is a summary of how to transfer money through the BHIM application.

Users of BHIM applications need to remember three things. First, the access code, then the payment address and the last one, the personal identification number UPI (PIN). Then let’s see how to make each of them as a result that transfer, getting money through the BHIM application become a custom in this world quickly without cash


You need to have a bank account with your mobile number registered with the bank. Then download the BHIM app from the Google Play Store on your Android phone. Currently, it is only available in version 4.1.1 and higher. There could be several BHIM applications available in the Play Store, but the National Payments Corporation of India (NPCI) of less than 2 MB is the real one.

Step I: Access Code

Once you click the downloaded BHIM application, you will be prompted to create a password. It facility just as right to use rules and keeps individuals, as well as friends, colleagues and family members, away from accidental access. Remember it.

Payment Address

Your payment address will be your @ UPI mobile phone number, and this is what you need to share with others to receive money from them. You can also create a custom payment address in addition to your phone number, for example, your @ UPI name.

Step II: Primary Linked Account

Thereafter, of the more than 30 banks that currently offer this service, you will be asked to choose one that you wish to link to BHIM. But what if you have more than one bank account? At present, BHIM supports the linking of a single account. But you can change the bank account in a few seconds if you wish and use it as your main account.

Suppose you select ABC Bank. At the time of selection, the next page shows the last four digits of the bank account number and the IFSC code. Please confirm that your account is linked. This will be your primary linked account.

Step III: Create UPI PIN

 The PIN will be required to know the balance of your account and to transfer and receive funds. It can be created by clicking on “Bank Accounts”. You can configure your Pin by accessing the homepage, then major menu bank accounts set UPI-PIN for the chosen account.

You will be provoked to write the last six digit of ATM/debit card along with the expiration date. Nothing else needs to be shared online. You will then receive a unique password (OTP), in which you enter and set your UPI PIN. Do not apply the MPIN provided by your bank for mobile phone banking. You need to create a new PIN to use BHIM.

BHIM Homepage

Once you have logged into the BHIM application using the password, your home page will show you three buttons:

* Transactions: clicking on it will show the transactions you have made in the past and pending transactions.

* Profile: Clicking on it will show your payment address, i.e. mobile phone number @ UPI

* Bank account: Clicking on it will display the primarily linked account or the default account. Here, you can know the balance of the account, but not the latest transactions, at least until now.

Real Transactions

Now it is okay to leave and you can start getting or transferring funds with the BHIM application. While transfer and getting funds is simpler, it can be complicated if you have more than one account. Your friend has to move some money to your account. Now tell him your fee address, i.e. @ UPI mobile phone number. Other than you have (VPA), you also apply it when takeover transactions during BHIM.

One time your buddy send you money, you disembarked in the main linked account. But if you want to receive them in another account, you will have to log into BHIM and adjust your primary connected account. At this time, the transaction limits are Rs 10,000 per transaction and Rs 20,000 in 24 hours.

Look out

All information exchange happens through secure banking networks, and according to the disclosures of the BHIM application, does not store any information. However, if you lose your phone and also the debit card, there is a risk that the UPI PIN can not only be created, but funds can also be transferred. The trace of the transaction can still be accessed and investigated after filing a complaint with the bank. When the phone is doubling as your wallet, it is best to treat it with similar security.


If not your contacts or others have built your own payment address, transfer or getting money, i.e. the use of the BHIM application, will be limited. Transactions without cash through the application is directly starting your bank account also, therefore, very dissimilar from e-wallets, since you do not have to carry money. And they have not given you cash similar to electronic wallets. Still, if you want to make moneyless transactions with no-frills attached, the BHIM application could be the way to go.

About Vinod Chaudhary

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