The Finance Base / Money transfer apps / BHIM
npci.org.in
BHIM
BHIM is a UPI payment app for sending money directly to bank accounts and requesting payments through a UPI ID or QR code. Payments can also be sent using a UPI-registered mobile number or an account number and IFSC code. The service is described as available 24x7, and a user can link up to five…
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- Free planprice, as published
- Sep 30, 2026read on
What BHIM costs
- BHIM Free
As bhimupi.org.in publishes them, read Sep 30, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- No
- Runs on
- iPhone Android Web
- Facts on record
- 16
Strengths and limits
Strengths
- Send money using UPI ID, registered number, or account details
- Link up to five bank accounts
- Available 24x7
- Supports multiple bill payment categories
- Merchant collections can use agent-specific QR codes
Limits
- New users have a Rs 5,000 first-day limit
- Completed transactions cannot be reversed by BHIM
- Bill Pay depends on the bank being enabled on Bharat Bill Pay
Facts we read
- AvailabilityBHIM is described as a 24x7 payment solution. · bhimupi.org.in, Sep 30, 2026
- Bank accountsA user can link up to five accounts with their BHIM account. · bhimupi.org.in, Sep 30, 2026
- Bill paymentsBHIM 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, Sep 30, 2026
- Founded2016 · npci.org.in, Sep 23, 2026
- Free planYes · npci.org.in, Sep 20, 2026
- Intended usersThe 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, Sep 30, 2026
- MakerBHIM’s About page says the app was pioneered and developed by NPCI and launched on December 30, 2016. · bhimupi.org.in, Sep 30, 2026
- Merchant collectionsMulti Agent Collection lets a merchant add up to three agents who can collect payments using agent-specific QR codes. · bhimupi.org.in, Sep 30, 2026
- Notable limitationBHIM says a successfully completed transaction cannot be reversed unless the beneficiary refunds it. · bhimupi.org.in, Sep 30, 2026
- Payment methodsUsers can send money using a UPI ID, a UPI registered mobile number, or an account number and IFSC code. · bhimupi.org.in, Sep 30, 2026
- PlatformsBHIM’s FAQ lists iOS 9.0 and above and Android 5.0 and above as supported. · bhimupi.org.in, Sep 30, 2026
- PrivacyThe 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, Sep 30, 2026
- SecurityBHIM’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, Sep 30, 2026
- SupportThe FAQ lists BHIM’s toll-free support number as 18001201740 for queries or complaints. · bhimupi.org.in, Sep 30, 2026
On these lists
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Verdict
BHIM covers direct bank payments, payment requests and a range of bill categories, with transaction limits that users should note. A completed payment cannot be reversed unless the beneficiary returns the money.
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