How to use BHIM App & transfer Money to others account.

After the activation of BHIM (Bharat Interface for Money) app, one question will come to your mind that how to use BHIM app and transfer or receive money. Because without understanding you can’t send or receive money. So here I’ll tell you a complete guide to use BHIM app.

As we know that BHIM app is based on UPI (Unified Payment Interface), BHIM UPI app works like an ATM Machine with which you can transfer money from any UPI supported bank to other UPI supported the bank. But the condition is that your mobile number must be linked to your bank account. If your one mobile number is linked to different bank accounts, then any bank where is your mobile number registered can be connected to the BHIM app.

For Example, your mobile number is registered to ICICI Bank, SBI (State Bank Of India), PNB (Punjab National Bank), CBI (Central Bank Of India). So you can use any your bank with BHIM app, but for this, you will need to register your Mobile number with your BHIM app as well. Thus if you have not activated your BHIM app then read this post: How to download, Install and activate BHIM app. And if you have enabled BHIM app and wanted to know how to use it then continue reading.

Start Using BHIM UPI app

Before Start using BHIM app, you’ll need to know that if you have not used any UPI app yet then first you will have to SETUP UPI PIN. This PIN protects your account when you do any transaction from BHIM app. It is just like an ATM PIN as when you width-drawl money from ATM and will need to enter a PIN. Same when you’ll do any transaction on BHIM app, you’ll need to submit UPI PIN. So first setup UPI PIN:

  • Launch the BHIM app and after login tap on Bank Accounts option.
  • In the Bank Accounts option tap on SET UPI PIN button (if the PIN has not been setup yet).
  • In the SET UPI PIN option, you’ll need to verify your debit card Last 6-DIGITS OF DEBIT Card and Valid Upto (Card Expiry) date which is print on the front side of the Debit card. After entering tap on (√) Tick button available at the bottom right.
  • On next screen Enter OTP PIN which you have received on your registered mobile number (If the number is available in the same phone then it will be automatically selected). In the SET UPI PIN create 4-Digits UPI PIN (some banks allow to create 6-digits UPI PIN)  and after this tap on Blue tick button.
  • Next, re-enter the UPI PIN and the UPI PIN will be created successfully.

Setup UPI address

When you activate BHIM app with your mobile number, then your UPI address is mobile-number@Upi. Eg: 999999xxxx@Upi. But it is not always a good idea to share your mobile number based UPI address to all. So for the solution BHIM app also allows you to create a name based UPI address. So how to create name-based custom UPI address in BHIM app?

  • Tap on Profile option.
  • In the Profile tap to Add Payment Address button and create a new payment which is based on your name eg: pramod.kyc@Upi. You can also check the availability of the payment address. If your name payment address is not available then the address can be mixed with numbers as well, eg: name.5010@upi.

How to use, transfer & Receive Money

After settings up UPI PIN and name based UPI address, you can start sending or receiving money with BHIM app.

Transfer Money:


With this option, you can send money to any mobile number (which is registered to UPI supported Bank) or VPA (UPI address) or to any bank account using Account Number+IFSC code.

How to Send Money:

  • Tap on SEND option available on the in the screen.
  • Enter the mobile number, Aadhaar ID, UPI Payment Address in the Mobile/Aadhaar/UPI ID box.
  • After entering the number, ID or UPI address tap on Verify option.
  • If the Number, ID or UPI address is correct then on next screen enter the AMOUNT and tap on PAY button.
  • Confirmation dialog box will appear, tap on Confirm button.
  • On next enter your UPI PIN and tap on BLUE (√)Tick button.
  • You’ve successfully sent the payment.

If the person doesn’t have the UPI address then you can Pay them using Account Number+IFSC code option, for this In the SEND Money option:

  • Tap on the top right three-dot menu and from the menu choose the A/C+IFSC option.
  • Now Enter BENEFICIARY  NAME, Account Number, Confirm Account Number and Bank IFSC code, after this tap on the SEND button.
  • Confirm the Payment.
  • Verify UPI PIN and tap on Blue (√) TICK button.
  • Payment Sent successfully.


This option will help you to get money from any UPI supported mobile number or Payment address. tap to Request option on app home screen:

  • Fill Payment address where from you want to receive fund or money and tap on verify option.
  • On next fill Amount & select Valid Upto date and click on REQUEST button.
  • After this, a request from your UPI will be sent to requested UPI Address. And they can quickly pay you with one touch Accept payment button, from their UPI payment app.

Along with this, you can also Generate a fixed amount UPI Address QR code. So anyone can pay you by scanning this QR. To Generate a fixed amount QR code:

  • In the Request option tap on top right QR code icon.
  • Now fill the require Amount and tap to GENERATE QR CODE button.
  • And the code will be generated. Now share this QR with anyone and receive your payment securely without sharing your Mobile Number/UPI Address.

Scan & Pay:

As I described above, this option helps you when you want to pay money to others using QR code payments. When you are making payment, then scan the QR code using this option and securely make your payments. This option works same as PayTm Pay or Send Money Scan Code option.You can also select a QR code from your memory card if your friend has sent QR code, then it can be scanned via “PICK FROM GALLERY” button. After that, verify the payment address detail enter an amount and confirm your PIN. And the transaction will be done successfully.



In the Transactions, you can get all transactions details including Pending Transactions. Along with this, if you tap on the top right three-dot menu then you’ll get My Queries, Download Transactions, Rewards, that will show you more detail and help about your transactions queries, Download transactions detail, and earned rewards.


In the Profile, you’ll get your UPI address. With which you can pay your payments and can get a payment from others UPI apps. By default, your phone number is your UPI address, and you can add a name based UPI address. For the Name-based UPI address settings read above Setup UPI Address section.

If you want to manage my profile settings, then tap on the top right 3-dot menu and choose the Settings. In the “Profile Settings,” You can disable mobile number based UPI address (mobilenumber@upi) & USSD Service (*99#) and can edit UPI ID (Only one time you can correct your UPI ID).


USSD Service is “code dialing” Banking service, which allows you to do transactions without the Internet Connection. You’ll only need to dial *99# and press the call button. After which you will receive instructions for transacting and also you can check your account balance. For using this service, your mobile number is must registered in your Bank account.

Bank Accounts:

This feature will allow you to Reset UPI PIN, Change UPI PIN, Get available balance in your bank account and you can change existing bank account with another Bank account.

How to Reset or Change UPI PIN?

Tap on Bank accounts option follow the steps below:

To Reset UPI PIN:

  • Tap on RESET UPI PIN option.
  • Enter Last 6 Digits of debit card number and Valid Upto date and tap on Tick button.
  • Next, enter the received OTP PIN, and in the SET UPI PIN create 4 or 6 Digits UPI PIN (as your bank allows), and tap on Blue tick button.
  • On next page, re-enter the UPI PIN, and the UPI PIN will be reset successfully.

To Change UPI PIN:

  • In the Change UPI PIN settings, Enter your Current UPI PIN.
  • And create a new PIN using SET UPI PIN. After this tap on Blue (√) Tick button.
  • Next, re-enter your new UPI PIN to Confirm UPI PIN. And again tap on (√) tick button.
  • Now your newly created UPI PIN has been successfully setup.

Check Account Balance

  • In The Bank Accounts tap on REQUEST BALANCE button.
  • On next enter your UPI PIN and tap on BLUE (√) tick button.
  • Now you will see total available balance in your Bank Account.

Change Bank Account to another Bank?

  • In the Bank Accounts tap on the top right Three-dot menu.
  • Choose Change Account option from the menu.
  • Now tap on PROCEED button.
  • Select your Bank from the List.
  • If you have an account in the selected bank, then the linked bank account will appear.
  • Tap to select your bank account. Your account is now successfully linked to BHIM app.

How much money can we transact with BHIM app?

There is a limit has been currently set on the BHIM app, and you can spend upto Rs. 10000 per transaction and Rs. 20000 per day.

BHIM app Update:

1. BHIM app supports Multiple-languages: Hindi, English, Bengali, Gujarati, Kannada, Malayalam, Oriya, Tamil and Telugu.

  • To Change your language at the Home screen tap on the top right three-dot and tap on Choose Language option. And select preferred language from list tap on Next your language will be changed.

2. Change SIM option available, so if you’re using a dual sim phone and want to use BHIM app with another sim, then you can re-register the second sim.

  • To use BHIM app with another SIM, at the home screen tap on the top right 3-dot and choose Change SIM option. And after this tap on CONFIRM button and follow the steps.

3. Now you can reset your Password if you have forgotten, then it can be recovered using Forgot Passcode? option. This option is now available on Enter Passcode screen.

  • If you want to reset your BHIM app Passcode then at Passcode screen tap on Forgot Passcode? Option and tap on PROCEED button. (You’ll need to verify your Mobile number and your account number again, and after then you can reset your BHIM app four-digit password.)

Please Let me know if anything I have missed? It will try to clarify.

Also See:

Avatar for Pramod Yadav

I am Pramod Yadav, the visionary Owner and dedicated Editor-in-Chief at PCMobitech. My passion for technology and in-depth understanding of the digital realm drive me to curate compelling content. With a focus on Windows, Android, iOS, VPNs, and cybersecurity, I craft insightful articles, guides, and tips & tricks to empower my readers.

59 thoughts on “How to use BHIM App & transfer Money to others account.”

  1. Please clarify whether with only mobile no or Aadhar no I can send money to anyone. That is he is not made upi id yet.

    • I’m not sure about this, but I think, you can send the payment only if the other user is also registered with UPI. But you have another option, if other user is not registered to UPI then try to send payment into their bank account number.

  2. Simply put, the Unified Payments Interface, better known as the UPI, is a payments system using which you can transfer money to anyone, through any of your bank accounts. Each user is assigned a unique identifier known as the Virtual Payment Address. Know more about UPI: [Link Removed]

  3. I sent 8600 to karnataka bank account through this BHIM UPI from my vijaya bank account,,,, the amount was withdrawn but it shows DEBIT IS NOT DONE. Any amount didn’t send to that account but the amount was withdrawn,, And how can I get my amount return back pls give me a suggestion

    • It takes some time to debit in sent account. Many times it takes upto 7 days, if doesn’t debit within 7 days then contact to your bank branch with transaction detail.

  4. I have sent some money to my friend on his HDFC bank account no. With IFSC code & payment transfer get success but payment not reached to him & on his account no. I don’t take the screen shot of that transfer so how could I know that I will send money in any others account no. If I will send in a wrong account no. Than how it comes return back to me pls suggest

    • It is your responsibility, if you made any mistake in transaction. Then Bank will not accept your claim. so be careful while entering detail in transaction.If you have not made any mistake and it was the bank fault then you can contact to your bank branch or customer care number to report the issue. If you need to know about how to check transactions detail then you should check our article section: My Information.

  5. sir,
    I have added two a/c in BHIM app.
    first is kotak and second is BOB.
    and kotak bank has been activated now.
    and I want to use BOB for transaction immediately.
    so how can I use BOB bank.
    plz answer me immediately.

  6. Dear sir/mam.
    I have no ATM card . but i want to transfer mony from bank of india using BHIM app . so plz guid me . How cat transfer money using Register mobile number.

    • Please Remember you’ll have enter correct PIN password which you had created when you registered your bank with BHIM app. It is not your ATM number. Mostly time many peoples do this mistake and transaction always declined.

  7. Sir,
    I have activated Bhim app using ICICI Bank account and debit card. . I have taken test trial to transfer ₹10 from my ICICI Bank to my own SBI Account and vice versa From my SBI BANK Account to My ICICI account..It was done successfully , But since last two days I am not able to transfer money to my own account or to others account. There is no network problem as I am getting the balance on Bhim app., and by SMS misscall system also.
    Please guide me .

    • This is not a problem. You can simply change your Bank account read How to Change Bank Account to another Bank? paragraph.

  8. If I have 2 accounts, one in sbi and another is in pnb. In both accounts, i have given the same mobile number.
    If I use BHIM for both account then my Upi adres will be 99XXXXXXXX@Upi. Right?

    I anyone send money at my Upi adrs then, that money will go in sbi or pnb account??

    • It depends on your account which you have selected in BHIM app. If you have chosen SBI then the money will go into SBI. You can also change your account to receive money into your prefer account. Read “How to Change Bank Account to another Bank?” paragraph above.

  9. Thz very much Pratik Kahale for Maestro card expiry date procedure!
    You are a joy giver!! Finally, generated pin on BHIM app.

  10. I transfer someone money to my brother raj Kumar but it goes to other person rajkumar@upi. How I got my money back.

    • It is like a Money transfer service. Once your money goes you can’t get back. So when you are sending confirm yourself the address is correct or not…

    • Ways to Know Maestro card Expiry Date for SBI customers

      First you should have internet Banking Activated for your SBI account

      Login to SBI internet Banking

      Navigate to e-services tab on the Top

      Then on Left Panel select

      ATM Card Services

      Then Choose

      ATM Card Limit/Channel/Usage Change from the Available Options

      Then Choose the Account Number linked with your Maestro debit card and press Continue

      Thats it!!

      You Should now able to see your Maestro Debit Card Expiry Date in the Last Column!!

      Now use those detail in BHIM App to generate your 6-digit UPI Mpin..

      Share with others

    • No, BHIM app can’t be used, if you don’t have Debit Card. So Why you are not applying for a Debit Card. it is easy and you will get your card within one working day.

  11. When iam enter last 6digits of card number it shows incorrect card number. Iam the account holder of SBI customer with mastero card

  12. Maestro card details showing incorrect as there is no valid to details on card. Valid from is not working. Any solution?

    • Yes I checked Maestro Card is not currently working with BHIM, But it will fix soon because there are many bug in BHIM app.

    • There is a limit has been set on transaction yet it is about 10000 rupees per transaction and 20000 rupees per day.

  13. I am having trouble generating upi pin. I am a SBI account holder with maestro debit card, which does not have the expiry date whereby one could create upi pin. please advise!

  14. I have bank account but do not debit card so when i try to set UPI pin then its ask me last 6 digit of debit so kindly tell me any way to set UPI pin wiithout debit card

    • This feature is not currently available in the app. And you can only send or receive money only via selected bank. However you can use your Bank UPI app. So when you want to transfer money from BHIM app to another account then Use Bhim app and transfer money to your Bank UPI app ID. For example I have connected my PNB bank to BHIM app. and before using BHIM I was using iMobile app which is provided by ICICI Bank and my iMobile app id is examble@icici. So when I need to transfer money to PNB bank to ICICI then I can use my BHIM app and can transfer money to my ICICI bank provided UPI ID.

    • You don’t need to do anything all the money will be automatically transferred to your selected Bank account.


Leave a Comment