Side by side
BHIM vs Settle Up
Both stand on peer-to-peer payment apps. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidiPhone
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.
Visit BHIM
Free plan AndroidAPIiPhone+3
Settle Up covers flexible group expense tracking, offline use and multiple settlement options. The free tier includes core tracking, while premium plans add features such as receipt photos and Excel export.
Visit Settle UpThe facts
| BHIM | Settle Up | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, iPhone | Android, API, iPhone, Mac, Web, Windows |
| Lowest paid plan | Free or on request | Yearly Premium: $19.99 a year |
| Plans published | 1 | 11 |
| Maker | BHIM | Settle Up |
| Website | npci.org.in | settleup.io |
| On peer-to-peer payment apps | #3 of 24 | #7 of 24 |
BHIM: 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.
Settle Up: what it does well
- Works offline and syncs when internet returns.
- Supports weighted shares and multiple payers.
- Handles all currencies with real-time exchange rates.
- Groups can be shared by link or QR code.
- Free tier includes CSV export and backups.
What to know first
- Free tier includes ads.
- Monthly Premium costs $3.99 a month.
- Yearly Premium costs $19.99 a year.
- Group Premium for one year costs $39.99 a year.
Alternatives to BHIM Alternatives to Settle Up The whole list