Side by side
BHIM vs Ziina
Both stand on money transfer 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
Ziina combines wallet transfers with payment links, invoicing, Tap to Pay and developer integrations for UAE users. Its freemium model includes a free plan, while business fees are usage-based and subject to VAT.
Visit ZiinaThe facts
| BHIM | Ziina | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, iPhone | Android, API, iPhone |
| Lowest paid plan | Free or on request | Ziina Violet: 100 AED a month |
| Plans published | 1 | 2 |
| Maker | BHIM | Not published |
| Website | npci.org.in | ziina.com |
| On money transfer apps | #32 of 81 | #36 of 81 |
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.
Ziina: what it does well
- Instant wallet transfers are supported
- Tap to Pay needs no extra hardware
- Payment links support up to 10 currencies
- Invoices can be shared and tracked
- Android, iOS and API access
What to know first
- Funds from multi-currency links settle in AED
- Business fees have 5% VAT applied
- Personal accounts have stated transaction limits
- Ziina Violet costs 100 AED a month