Bharat Interface for Money (BHIM) is a payment app that lets you make simple, easy and quick transactions using Unified Payments Interface (UPI). You can make direct bank payments to anyone on UPI using their UPI ID or scanning their QR with the BHIM app. You can also request money through the app from a UPI ID.

How to access BHIM:

First Time User



Download and Install BHIM app from Google Play store/Apple App Store.

Select your preferred language.





Select SIM card which has the mobile number registered with your respective bank.

Set the application passcode required to enter the app.





Link your bank accounts using bank account option.

Set your UPI PIN by providing last 6 digits of debit card and expiry date of debit card.





Click on send and enter UPI ID. You can also Scan & Pay the QR of the person to whom you want to send money.

Enter the UPI Pin you set earlier to authenticate the transaction.





Check ‘Transaction’ to see the status of the transaction.

BHIM is a unique payment solution which can be used without internet as well!! You can dial *99# from any phone and avail the same features of BHIM on your mobile screen. You can also register for BHIM using *99# .

  • Send Money

    This feature enables a user to send money using Virtual Payment Address (VPA) or combination of Account Number and IFSC or even by scanning QR code
  • Request Money

    This feature enables a user to initiate a collect request by entering Virtual Payment Address (VPA). Additionally, through BHIM App, one can also transfer money using Mobile if it is registered with BHIM or *99#. Also, it is mandatory that the customers mobile number is linked with the bank account.
  • Scan & Pay

    Customers can pay by scanning the QR code through 'Scan & Pay' and generate QR codes in the app for making payments.
  • Transactions

    This option allows a user to check transaction history. It also highlights pending UPI collect requests (if any) so that a user can approve or reject the payment requests. There is a report issue tab if a customer is willing to raise any complaint pertaining to transactions.
  • Profile

    Profile option helps the user to view the static QR code and Payment addresses created. The QR code is downloadable and could be shared through various messenger applications like WhatsApp, Email etc.
  • Bank Account

    Using this Option, a customer can check the bank account which is linked with the BHIM App along with PIN status. Customer can set/change the UPI PIN, bank account linked with BHIM App by clicking 'Change Account' tab provided in the menu. This feature also helps a user to check their account balance.