Who can use BHIM?

Any user having a smartphone and bank account is eligible to use BHIM. That being said, you need your mobile number registered with the bank and a debit card linked to that account. You can download the app from playstore or appstore.

How does BHIM verify my mobile number and what is the process?

After installing and running the app for the first time:

  1. Select Language
  2. App will ask permission to send SMS to verify.
  3. Successful attempt with take you to Home page
  4. If unsuccessful, after 45 seconds an OTP will be sent to you.
  5. If step 4 is unsuccessful, you will be prompted to dial a USSD code.
  6.  Once NPCI recognizes your mobile number and handset, your registration is complete.
How do I create my UPI ID?

On successful registration, a default ID i.e mobilenumber@upi will be created. You can add one more VPA by going in the profile section.

What is UPI ID?

A UPI ID is a unique identifier which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.

What if I get Device Binding Failed?

Device binding failure occurs due to the following reasons:

  1. App is unable to send SMS
  2. Network connection is poor
  3. Phone time and actual time is different
  4. Telecomm service provider is unable to send registration SMS to NPCI