BHIM

Name: BHIM
Author: BHIM

Free plan AndroidiPhone

What BHIM is

BHIM is a UPI payment app for sending money directly from a bank account and requesting payments. Transfers can use a UPI ID, a mobile number registered with UPI, or an account number and IFSC code; the app also supports QR codes. It is described as available 24x7, and users can link up to five bank accounts. BHIM is free to use on Android and iOS, though bank charges may apply. Its FAQ lists a limit of Rs 40,000 per transaction and per day for each linked account. New users have a Rs 5,000 limit during their first 24 hours. Bill Pay covers electricity, gas, DTH, telecom, loan EMI, insurance, water, FASTag, cable TV, and education bills when the user’s bank is enabled on Bharat Bill Pay. Merchants can add up to three collection agents, each using an agent-specific QR code. A UPI PIN authenticates transactions. The privacy policy says BHIM may collect phone, financial and transaction, device, SIM, IP address, and location information.

Who it suits

BHIM suits people with a bank account, a mobile number registered with that bank, and a linked debit card who want to send or request payments. Merchants needing QR-based collections for up to three agents may also find its collection feature relevant.

What it does well

Free to use; bank charges may apply.
Send using UPI ID, registered mobile, or account details.
Link up to five bank accounts.
Bill Pay covers multiple listed bill categories.
Support is listed at 18001201740.

What to know first

New users are limited to Rs 5,000 for 24 hours.
Completed transactions cannot be reversed unless the recipient refunds them.
Bill payments depend on the bank being enabled on Bharat Bill Pay.

Limits

Each linked bank account has a limit of Rs 40,000 per transaction and Rs 40,000 per day. New users are limited to Rs 5,000 for their first 24 hours. Bill Pay availability depends on whether the bank is enabled on Bharat Bill Pay.

Plans

Plan	Billed and limits	Price
BHIM	No charge for transacting on BHIM; bank charges may apply	Free

As npci.org.in lists them, read 30 Sept 2026. The maker's own page has the final word.

Getting started

Visit the BHIM website.
Install BHIM on Android or iOS.
Use a bank account, a mobile number registered with the bank, and a linked debit card to use the app.
Link up to five bank accounts.
Send or request payments using a UPI ID or QR code.

Verdict

BHIM covers direct bank payments, payment requests, and a range of bill categories on Android and iOS. Check the transaction limits and the listed bank eligibility conditions, and note that a completed transfer can only be reversed if the beneficiary refunds it.

Questions

How much does BHIM cost?

BHIM is free, with no charge for transacting on the app. Bank charges may apply.

Which devices support BHIM?

BHIM is available on Android and iOS.

What payment methods can I use?

You can send money using a UPI ID, a UPI-registered mobile number, or an account number and IFSC code. Payments and requests can also use a QR code.

How many bank accounts can I link?

You can link up to five accounts with your BHIM account.

What are BHIM's transaction limits?

The stated limit is Rs 40,000 per transaction and Rs 40,000 per day for each linked bank account. New users have a Rs 5,000 limit for their first 24 hours.

Can a completed payment be reversed?

A successfully completed transaction cannot be reversed unless the beneficiary refunds it.

Facts from BHIM's own pages

Availability: BHIM is described as a 24x7 payment solution. · bhimupi.org.in, 30 Sept 2026
Bank accounts: A user can link up to five accounts with their BHIM account. · bhimupi.org.in, 30 Sept 2026
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. · bhimupi.org.in, 30 Sept 2026
Founded: 2016 · npci.org.in, 23 Sept 2026
Free plan: Yes · npci.org.in, 20 Sept 2026
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. · bhimupi.org.in, 30 Sept 2026
Maker: BHIM’s About page says the app was pioneered and developed by NPCI and launched on December 30, 2016. · bhimupi.org.in, 30 Sept 2026
Merchant collections: Multi Agent Collection lets a merchant add up to three agents who can collect payments using agent-specific QR codes. · bhimupi.org.in, 30 Sept 2026
Notable limitation: BHIM says a successfully completed transaction cannot be reversed unless the beneficiary refunds it. · bhimupi.org.in, 30 Sept 2026
Payment methods: Users can send money using a UPI ID, a UPI registered mobile number, or an account number and IFSC code. · bhimupi.org.in, 30 Sept 2026
Platforms: BHIM’s FAQ lists iOS 9.0 and above and Android 5.0 and above as supported. · bhimupi.org.in, 30 Sept 2026
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. · bhimupi.org.in, 30 Sept 2026
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. · bhimupi.org.in, 30 Sept 2026
Support: The FAQ lists BHIM’s toll-free support number as 18001201740 for queries or complaints. · bhimupi.org.in, 30 Sept 2026
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. · bhimupi.org.in, 30 Sept 2026
What it does: BHIM is a UPI payment app for direct bank payments and money requests using a UPI ID or QR code. · bhimupi.org.in, 30 Sept 2026

Where BHIM stands on Freedom251

Peer-to-Peer Payment Apps#3 of 24
Money Transfer Apps#32 of 81