Wondering on how to use BHIM App? Recently, PM Narendra Modi announced their UPI (Unified Payment Interface) app known as BHIM (BHarat Interface for Money) which has been developed by NPCI (National Payments Corporation of India).

UPI system allows us to transfer money between two bank accounts via any smartphone using digital wallets. UPI allows a customer to pay directly from a bank account to different merchants, both online and offline, without the hassle of typing credit card details, IFSC code, or net banking/wallet passwords.Let’s check out a step by step guide on how to use BHIM App.

 How To Use BHIM app? Here’s a Step By Step Guide

  • To Download the BHIM app, go to the Play Store and search for “BHIM”. It is only available for Android users as of now but the iOS rollout is yet to be out soon as well.
    You can also download the BHIM app by clicking here.
  • Once the application is installed, the app will ask you to choose the language in which you want to see the app.
  • Once done, the app will prompt you to verify the phone number using SMS verification. Click on Next and wait for the verification process to be completed.
  • After the verification is done, you’ll be asked to enter a 4 digit passcode. Enter a 4 digit number which you want to set it as a PIN for the BHIM account.
  • After that passcode process, you’ll be asked to select your bank. (31 banks are supported as of now, and there are plans to add more banks to the list.)  After the bank is selected, the app will pick up your details automatically from the phone number itself. You’ll need to select a primary bank account to be used for all of your transactions.After that, you need to set up a payment address. The default address generated for you is your “phone number @UPI”. Tap on the add payment address in the Profile section to configure an additional payment address. There is a list of generated suggestions provided by the application, but users can feed in their own text strings. Multiple UPI addresses can be generated for a single user. Users can choose one of the UPI addresses as their primary UPI address.
  • Once everything is setup, you’ll be greeted with three options – Send, Request, and Scan/Pay. (Note: Transactions are only possible if both the users have their phone numbers verified as said is Step 2).
  • To send money, just click “Send” and then type in the receiver’s phone number and the amount to be transferred. The app will prompt you to input your MPIN, usually a four or a six digit code that authenticates a mobile transaction.
  • And the same way you can also request money from any other person as well. Hit the “request” option and type in the phone number and amount to be requested. And once the person accepts your request, you’ll be able to get the money from that person.
  • The third option which says “Scan & Pay” allows you to transfer the amount using QR code method. Each phone number is assigned a QR code which can be accessed under profile on the home screen. So, there will be no duplicate or same barcodes.

We are expecting this guide might have helped on how to use BHIM app. For now, the BHIM app allows you to use only one bank at a time. But you can change your account any time whenever you need. Since it is a new application, it is bound to have some teething troubles but the Bhim team is quickly responding to all queries and problems through their twitter handle @NPCI_BHIMSo, in case if you have any questions, you can tweet it to them via Twitter.

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