BHIM

Android · iPhone

Freedom report

Two barsScore 7.0

Free tierA free tier is on its own pricing page
Open codeNo open-source code on record
Runs widely2 of 6 device platforms
DocumentedPlans, terms and facts published

BHIM is ranked #13 of 81 in money transfer apps on Freedom251, made by BHIM (1001A, B Wing, The Capital, G Block, Bandra Kurla Complex, Bandra (E), Mumbai, Maharashtra - 400 051). It runs on Android, iOS. There is a free plan.

BHIM plans and pricing

All plans

BHIM Free No charge for transacting on BHIM; bank charges may apply bhimupi.org.in · 30 Sept 2026

Compared on money transfer apps

Free plan: Yes

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The record

What it does: BHIM is a UPI payment app for direct bank payments and money requests using a UPI ID or QR code.
Payment methods: Users can send money using a UPI ID, a UPI registered mobile number, or an account number and IFSC code.
Availability: BHIM is described as a 24x7 payment solution.
Platforms: BHIM’s FAQ lists iOS 9.0 and above and Android 5.0 and above as supported.
Bank accounts: A user can link up to five accounts with their BHIM account.
Transaction limits: The FAQ states a limit of Rs 40,000 per transaction and Rs 40,000 per day for each linked bank account; new users are limited to Rs 5,000 for their first 24 hours.
Bill payments: BHIM Bill Pay supports electricity, gas, DTH, telecom, loan EMI, insurance, water, FASTag, cable TV and education bills, subject to the bank being enabled on Bharat Bill Pay.
Merchant collections: Multi Agent Collection lets a merchant add up to three agents who can collect payments using agent-specific QR codes.
Security: BHIM’s FAQ says the UPI PIN is used to authenticate UPI transactions, and the privacy policy describes safeguards including firewalls, encryption and data leakage prevention technologies.
Privacy: The privacy policy says BHIM may collect phone, financial and transaction, device, SIM, IP address and location information, and says it does not store users’ contacts when contact access is granted.
Support: The FAQ lists BHIM’s toll-free support number as 18001201740 for queries or complaints.
Notable limitation: BHIM says a successfully completed transaction cannot be reversed unless the beneficiary refunds it.
Maker: BHIM’s About page says the app was pioneered and developed by NPCI and launched on December 30, 2016.
Intended users: The site says BHIM can be used by people with a bank account, a mobile number registered with the bank and a linked debit card.
Price from: Free

Where it ranks on Freedom251

Best Money Transfer Apps in 2026#13 of 81
Best Peer-to-Peer Payment Apps in 2026#7 of 24

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Sources

bhimupi.org.in/about-bhim.html· checked 30 Sept 2026
bhimupi.org.in/faq-s.html· checked 30 Sept 2026
bhimupi.org.in· checked 30 Sept 2026
bhimupi.org.in/privacy-policy.html· checked 30 Sept 2026
npci.org.in/product/bhim· checked 23 Sept 2026