How to Download and Register on BHIM android App (Full Guide)

Reason Behind the BHIM: Demonetization is a term which is need not to introduce. The common word which is under the tongue of every citizen. On hearing this, all the people who are leading a diplomatic luxury life by the shares of black money with the white coat are been felt in the state of surprise, suspense and wordless. Actually, this is the feeling of the every citizen but this is the challenge accepted by many black cats in our country there could be a need and nuisance to the govt to the people from this but everything is based on our ageless bodies & timeless minds.

Effect On Public: This Decision, Demonetization has been showing a priceless effect on the public. Everyone need to satisfy their daily wants. Scares of the exchanging currency are affecting the public in a sarcastic way and this drama has been thoroughly testing the patience o the public. the main theme of this demonetization is to abolish black money but it is making the common man carry the burden of the black coated white money.

BHIM download and register

Today Narendra Modi, Honourable Prime minister of India has launched the Android application dubbed as BHIM (Bharat Interface for money) aimed for "GO Cashless India". According to his words, BHIM let users make secure and reliable payments using their Mobile Phones.  As of now BHIM was only Available for Android users in future that will be available for IOS and WINDOWS Phones

About BHIM App:
Bharat Interface for Money (BHIM) is an initiative to enable fast, secure, reliable cashless payments through your mobile phone. It is not an Aadhaar based payment system app as like the rumours we have heared untill now, BHIM is an interoperable with other Unified Payment Interface (UPI) applications, and bank accounts. BHIM is made in India and dedicated to the service of the nation

How to Download and Register On BHIM App:

  • Download and Install the Official app from the Playstore
  • Open the app and grant the System Permissions.
  • Now, Select the Mobile Number Which was already linked to your Bank Account and Verify your mobile number via OTP.
  • After Confirmation of your Mobile Number, Then Set your secret UPI PIN number to Access the BHIM android App.
  • Select Your Bank (For example: If your Bank Is State Bank Of India then Tap On it) for making an online transaction like sending money and Requesting Money.
  • That's It, Now, You can transfer from your bank account to friends, family, Customers through the Mobile Number or Payment address.

Supported Banks:
Allahabad Bank, Andhra Bank, Axis Bank, Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Catholic Syrian Bank, Central Bank of India, DCB Bank, Dena Bank, Federal Bank, HDFC Bank, ICICI Bank, IDBI Bank, IDFC Bank, Indian Bank, Indian Overseas Bank, IndusInd Bank, Karnataka Bank, Karur Vysya Bank, Kotak Mahindra Bank, Oriental Bank of Commerce, Punjab National Bank, RBL Bank, South Indian Bank, Standard Chartered Bank, State Bank of India, Syndicate Bank, Union Bank of India, United Bank of India, Vijaya Bank.


FAQs from the Bhim website – complete details:

1. What is Bharat Interface for Money?
Bharat Interface for Money is an app that lets you make easy and quick payment transactions using UPI. It's easier than Wallets! You will not have to fill out those tedious bank account details again and again. You can easily make direct bank to bank payments and instantly collect money using just a Mobile number or Payment address.

2. How fast is a transaction over Bharat Interface for Money?
As fast as it can get! All payments over Bharat Interface for Money are linked to your bank account and the transaction can be completed within few seconds.

3. Are there any charges for using Bharat Interface for Money?
There are no charges for making the transaction through Bharat Interface for Money. Note – Your bank might, however, levy a nominal charge as UPI or IMPS transfer fee which is not under our control. Please check with your bank for more details.
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4. What do I need to start using Bharat Interface for Money?
Bharat Interface for Money app is currently available on Android (Version 8 and above) and iOS mobiles (Version 5 and above). We will be making our app available on other platforms very soon.

5. Is Bharat Interface for Money app compatible with every Mobile OS?
To start using Bharat Interface for Money all you need is a Smartphone, Internet access, an Indian bank account that supports UPI payments and mobile number linked to the bank account. Link your bank account to UPI through the app.

6. Do I need to enable mobile banking on my bank account to use Bharat Interface for Money?
Your account need not be enabled for mobile banking to use Bharat Interface for Money. Your mobile number shall have to be registered with the Bank.

7. Do I need to be a customer of a particular bank to use Bharat Interface for Money?
To enable transfers directly using your bank account, your bank needs to be live on UPI (Unified Payment Interface) platform. All the banks, which are currently live on UPI, have been listed in the Bharat Interface for Money app.

8. How do I set the UPI-PIN for my bank account from Bharat Interface for Money?
You can set your UPI PIN by going to Main Menu -Bank Accounts -Set UPI-PIN for the selected account. You will be prompted to enter the last 6 digits of your Debit/ATM card along with the expiry date. You will then receive an OTP which you will enter and set your UPI PIN. Note – ‘UPI-PIN is not the same as MPIN provided by your bank for mobile banking’.

9. Can I link multiple bank accounts with Bharat Interface for Money?
Currently, Bharat Interface for Money supports linking of one Bank only. At the time of account set-up, you can link your preferred bank account as the default account. In case you want to link another bank account, you can go to Main menu, choose Bank Accounts and select your default account. Any money that is transferred to you using your mobile number or payment address will be credited to your default account.

10. Why do my mobile number with Bharat Interface for Money and the one registered with my bank account have to be the same?
This is a banking network (UPI) requirement. The mobile number which is used to register with Bharat Interface for Money is used to match the bank accounts linked to it.

11. Do I have to give Bharat Interface for Money my bank a/c details?
At the time of registration you will be providing us with the Debit card details and with the use your mobile number registered to your bank account, we will pre-fetch the details from your bank. All the information exchange happens over secure banking networks and we don’t store it, your information is safe!

12. All you need to know about UPI
Unified Payment Interface(UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI), a RBI regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two parties bank accounts.

13. What is a UPI-PIN?
UPI-PIN (UPI Personal Identification Number) is a 4-6 digit secret code you create/set during first time registration with this App.You have to enter this UPI-PIN to authorise all bank transactions. If you have already set up a UPI-PIN with other UPI Apps you can use the same on Bharat Interface for Money. (Note- Banks issued MPIN is different from the UPI UPI-PIN, please generate a new UPI-PIN in the Bharat Interface for Money app) Note – Please do not share your UPI-PIN with anyone. Bharat Interface for Money does not store or read your UPI-PIN details and your bank’s customer support will never ask for it.

14. What is a Payment Address?
Payment Address is an Address which uniquely identifies a person’s bank a/c. For instance, the Payment Address for Bharat Interface for Money customers is in the format xyz@upi. You can just share your Payment Address with anyone to receive payments (no need for bank account number/ IFSC code, etc.). You can also send money to anyone by using their Payment Address. Note – Do not share your confidential UPI PIN with anyone.

15. What happens if I enter wrong UPI-PIN during a transaction?
No problem, the app will prompt you to re-enter the correct UPI-PIN. The maximum number of tries allowed depends on your bank. Please check with your bank for details.

16. I have selected the Bank name to link with UPI but it does not find my bank a/c
In such a case, please ensure that the mobile number linked to your bank account is same as the one verified in Bharat Interface for Money App. If it is not the same, your bank accounts will not be fetched by the UPI platform. Also, only Savings and Current bank accounts are supported by Bharat Interface for Money.

17. Why is my UPI transaction failing?
When you shop online, you can pay through UPI when you see UPI as a payment option. On clicking that, you will need to enter your Payment Address (xyz@upi). Once entered, you will receive a collect request on your Bharat Interface for Money app. Enter your UPI-PIN here and your payment will be complete. As easy as this!

18. Do I need to be a customer of a particular bank to use Bharat Interface for Money?
To enable transfers directly using your bank account, your bank needs to be live on UPI (Unified Payment Interface) platform. All the banks, which are currently live on UPI, have been listed in the Bharat Interface for Money app.

19. How do I set the UPI-PIN for my bank account from Bharat Interface for Money?
You can set your UPI PIN by going to Main Menu -Bank Accounts -Set UPI-PIN for the selected account. You will be prompted to enter the last 6 digits of your Debit/ATM card along with the expiry date. You will then receive an OTP which you will enter and set your UPI PIN. Note – ‘UPI-PIN is not the same as MPIN provided by your bank for mobile banking’.

Send and Receive Money

1. Can I send money to anyone using Bharat Interface for Money?
Yes, you can send money using the Bharat Interface for Money app from your UPI enabled bank account. You will need to register and set a UPI PIN using the debit card details linked to the bank account. If your beneficiary’s bank account is also linked to UPI, you can simply use their mobile number or Payment Address to transfer.If not, you can use IFSC code, Bank account or MMID, Mobile number to send money.

2. Do money transfers happen on Bharat Interface for Money only during banking hours?
All payments are instant and 24/7, regardless of your bank’s working hours!

3. I have paid for my transaction but not received anything. Why is that?
Once you complete a transaction, you should see a success status on the Bharat Interface for Money screen and receive an SMS from your bank. In some cases, due to operator issues, it can take longer time. In case you have not received your confirmation within an hour please contact our customer support at your bank.

4. How can I view my transaction history?
Go to Bharat Interface for Money Home Screen & Transaction History. to view all your past and pending transactions.

5. How do I send money?
From the Bharat Interface for Money app Home screen, 1) Click Send Money Option; 2) Enter or select the receiver’s mobile number or Payment Address (you can select from your contact list or enter it) or Aadhaar number 3) Enter the amount you want to send 4) Your default bank a/c gets selected 5) Enter UPI PIN and send
Alternately, you can also scan a QR code and pay via the ‘Scan & Pay’ option.

6. How do I request money?
From the Bharat Interface for Money app Home screen, 1) Select Request Money 2) Enter or select the receiver’s mobile number or Payment Address (you can select from your contact list or enter it) or Adhaar number 3) Enter the amount you want to request 4) Click Send.

This transaction will remain pending until the payment is received. You will be notified when the money is transferred to you. You may also request money by sharing your QR code. Go to Home Screen & Profile & Choose account to get QR code
7. Can I send money to a frien, not on Bharat Interface for Money?
Yes. Payment can be made via (IFSC, Account number) or (MMID, Mobile number) if the person is not registered on Bharat Interface for Money.

8. What types of transactions can I do using Bharat Interface for Money?
Through Bharat Interface for Money, you can make following type of transaction, 1. Request or Send Money via Payment Address 2. Send Money to Aadhaar Number 3. Request or Send Money to Mobile number 4. Send Money through MMID, Mobile No. 5. Send Money through IFSC code, Account No. 6. In addition, you can use the scan and pay option for Merchant payments.

9. How do I access a record of all my historical transactions?
Every transaction through your bank account will be recorded by the Bank and you can view all your past transactions in the ‘Transaction History’ section on the Bharat Interface for Money App.

10. My send money transaction is failing, help!
To avoid transaction failures, 1) Ensure that the UPI-PIN is entered correctly. 2) If the receiver is not on Bharat Interface for Money choose to pay via IFSC instead of a mobile number.

11. The collect request is not reaching the Bharat Interface for Money app. What do I do?
In this case, please first check the data connectivity. If you have entered your Payment Address at the merchant app, please re-check your Payment Address and re-try the transaction. Please check your pending transactions tab to check if the collect request has reached you.

12. How will I know if my UPI transaction is successful?
For any transaction, you will see a status instantly on your screen. If for some reason the transaction is delayed or pending, the result will be posted on your Transaction History page along with a UTR# or bank reference number. In addition, you will receive an SMS from your bank.

Other queries:

1. What if I change my mobile carrier?
No problem at all. You can continue using Bharat Interface for Money as usual.

2. What if I change my handset?
If you change your handset, you will need to 1) Download the Bharat Interface for Money app again 2)Login with your mobile number and password 3) Allow Bharat Interface for Money to verify you; This is for your security. After verification, your account will be restored.

3. What if I lose my phone?
If you lose your phone, the UPI-PIN required to authorise all transaction will not be known to third persons and hence they will not be able to use Bharat Interface for Money. In addition, please contact our customer support at your bank.

4. Will you ever auto-deduct payments from my account?
We will not auto deduct payments from your account.

5. How are you getting all my bank a/c information?
This is a feature of the UPI payment platform (built by NPCI- a RBI regulated entity). The UPI platform retrieves the accounts details linked with your mobile number in a masked manner i.e. Bharat Interface for Money can’t see all the details. This exchange is done over secure banking networks and we don’t store or ever use it.

6. How soon will a refund from a merchant be available in my account?
As soon as your merchant has processed the refund from its end, it should be instantly available in your default bank account.

7. My UPI transaction has failed but my bank account has been debited.
In a case of failures, money will be refunded back to your account. Sometimes this takes longer than intended. If you do not receive the refund within 1 hour, please contact customer support at your bank.

8. How do I set my UPI-PIN with the bank directly?
You will be to able to set your UPI PIN through any other UPI enable Bank app.