BHIM

BHIM is a UPI app published by the National Payments Corporation of India (NPCI). You link your bank account, create a UPI PIN and can then pay or receive money using a UPI ID or QR code.

Why people choose it

• It comes from the organisation that operates UPI, so many users prefer it for a simple, no-frills experience.
• It works with the same UPI system as other apps, so payments to Google Pay or PhonePe users work normally.

The rules that never change

• Enter your UPI PIN only to send money, never to receive it.
• Check the name shown before you confirm a payment.
• Never share an OTP or PIN, even with someone who claims to be from the bank.

Read how UPI works and common UPI scams before you start.

In practice: A user who wants a simple app without offers installs BHIM from the official listing, links one bank account, and uses it only for shop payments and sending money to family.

What we think

BHIM is a simple, no-frills UPI app from NPCI. If you prefer something less crowded with offers and extras, it is a reasonable choice. The safety rules, however, are the same as for every UPI app: PIN only to send money, check the name, never share an OTP.

Using BHIM with care

• Link only the bank account you actually use for daily payments and create the UPI PIN yourself.
• Add UPI IDs of regular payees as saved contacts so you are not typing them each time.
• Check the payee name on screen before every payment and treat unexpected collect requests as suspicious.
• If your phone is lost, ask your bank to block UPI on your account and ask your operator to block the SIM.

Where to go next

Compare it with Google Pay and PhonePe. Read UPI scams in India.

Before you install: common doubts

Is BHIM different from other UPI apps?

It runs on the same UPI network, so payments between apps work normally.

Why is the app asking for my SIM details?

UPI links your bank account to your mobile number.