BHIM aka Bharat Interface for money is an app launched by the Government of India that enables normal users and business owners to transfer or receive money online. According to PM Narendra Modi, the application will back the demonetization move and simplify digital payments. BHIM is a superb alternative to mobile wallet apps and net banking.
I’ve been using the app since yesterday and I’ve become a huge fan of it. The app takes about 3 megabytes storage memory and is dead simple.
Review and Step by Step Guide
BHIM is available for download on the Google Play Store [Download URL]. Once you install the app, run it.
BHIM prompts users to verify their phone numbers to check whether the number the user has provided is registered with your bank account or not. To verify your number, the application will send an SMS text message from your phone. If you’re using a dual SIM mobile, make sure that you set the number linked to your bank account as primary.
Once BHIM verifies your number, it will ask you to enter a four-digit passcode after which it prompts you to select your bank. The app supports the following banks:
- Allahabad, Andhra, Axis, Bank of Baroda.
- Bank of Maharashtra, Canara Bank, CSB, Centra bank of India.
- ICICI, SBI, Dena, Federal Bank, HDFC, and more.
The app displays a list of banks. You must tap on your bank name and wait for BHIM to fetch your account details.
The app shows the bank account number and the IFSC code for your branch. Tap on the a/c number and enter a six-digit UPI PIN.
Once you enter the PIN, tap on the setup button. BHIM lets you set up the UPI PIN later.
Now, the app will display a message that you’re ready to receive money on your mobile. It will also show a special address on which you can receive payments.
Note down the address and share it with your customers if you’re a business owner.
The message also shows a Go To Home button. Tap the button and you’ll be redirected to the main interface. This interface shows options to send, request money. It also has an option to scan the QR Code and pay money.
The app allows users to add payment address. For quicker and easier transactions, the app enables users to make payments by scanning QR code.
Users can download the QR code as an image file or share it with other users. BHIM supports notifications. It allows you to switch the primary English language of the interface to Hindi.
While sending payments, the app identifies debit card associated with your bank account and asks you to enter the last six-digit of the debit card and its expiry date.
You can request other users to send money by entering his/her mobile number or payment address.
BHIM makes you aware of recent transactions and their status.
- Supports all major banks.
- Error-free application with options to receive and send payments.
- Support for QR code.