# BHIM Bharat's Own Payments App — Bharat Interface for Money

> UPI payment app for easy, secure, and fast digital transactions in India. (iPhone/iPad app by National Payments Corporation of India (NPCI).)

- Source: https://appshunter.io/ios/app/bhim-bharats-own-payments-app/id1200315258 (this page in markdown: same URL + `.md`)
- Developer: [National Payments Corporation of India (NPCI)](https://appshunter.io/developer/1200315257)
- Category: Finance
- Price: Free
- Rating: 4.40/5 from 1,389 App Store ratings · 306 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 165 MB
- Languages: American English
- Released: 2017-02-10
- Data updated: 2026-08-27
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/bhim-bharats-own-payments-app/id1200315258/reviews.md

## What is BHIM Bharat's Own Payments App?

BHIM (Bharat Interface for Money) is Bharat Ka Apna Payments App—a UPI payment app developed by the National Payments Corporation of India (NPCI). Designed for every Indian, BHIM Payments App makes digital transactions easier, safer, and faster with an intuitive interface and cutting-edge features.

With BHIM Payments App, experience seamless and rewarding payments while enjoying the highest level of security. Built for trust and simplicity, with 12+ Languages, BHIM App ensures that digital payments are accessible to all.

Why Choose BHIM Payments App?

· A Brand-New Experience – A refreshed; intuitive UI designed for effortless navigation.

· Family Mode – Manage payments for your family in a click!

· Spend Insights – Now easily manage and monitor your expenses, the dashboard way!

· UPI Lite for Small Payments – Make instant, PIN-less payments of upto ₹500.

· RuPay Credit Card on UPI – Use your RuPay Credit Card for secure UPI payments.

· Credit Card on EMI – Shop smarter with easy EMI options on UPI payments.

· UPI Circle – Give freedom to your trusted ones, to make payments even without a bank account.

· Pay Bills Seamlessly – Settle electricity, credit card, gas, recharge FASTag and other utility bills effortlessly.

· Light Mode & Dark Mode – Switch to your preferred theme for a comfortable viewing experience.

· Split Expenses Like a Pro! – Going out with friends? BHIM does the math—split bills seamlessly, and everyone pays their share instantly!

Get Started in Minutes!

Download BHIM & Register using your mobile number

Ensure your SIM is linked to your bank account (for dual SIM, select the correct one).

Have your Debit Card or Aadhaar Card handy to generate your UPI PIN (except for UPI Circle users, who only need a valid SIM). Visit BHIM UPI Partners to check if your bank is live on BHIM. For more details, visit BHIM Official Website and read the Terms & Conditions before signing up.

## Key features

- Intuitive UI
- Family payment management
- Expense monitoring
- UPI Lite for small payments
- Credit card on UPI
- Bill payments
- Split expenses

## Recent user reviews (10 of 306)

All indexed reviews: https://appshunter.io/ios/app/bhim-bharats-own-payments-app/id1200315258/reviews.md

### 5/5 — Best UPI App

*2026-08-11, version 4.0.26*

I really like the simple and clean UI of this app. No unnecessary complexity, no ads just a smooth, straightforward experience. Exactly how a UPI app should be! 10/10. and it’s working outside of India too.

### 1/5 — Potentially useful app becomes useless based on stupid “security practices”

*2026-07-06, version 4.0.24*

They disable the app because screensharing apps like vnc viewer is installed. They are completely misinformed. Vnc viewer only allows you to look at other desktop computer screens, not your own phone. And if they want to stick to those “security practice”, they should also ban Whatsapp and Facetime both of which can also share screen

### 3/5 — Team please invite genuine feedback

*2026-06-06*

Tried making BHIM my primary payment app because honestly, I really wanted to support India's homegrown platform over big tech. But as much as I want to give it priority, the app just falls flat on basic usability. The interface feels messy and disjointed—almost like it’s trying to be a know-it-all app that crams everything in without mastering the core stuff. When I open it, simple UI features like a neatly aligned recent contacts list, pinned favorites, or an organized way to track business payments and credit cards just aren't there. Google Pay nailed this layout years ago. I love the concept of BHIM, but until it cleans up the chaos and gets the fundamental user experience right, it just can't be a daily driver.

**Developer response:** Thank you for your suggestion. We have noted your feedback and truly appreciate your support. You may also share further inputs at bhim.support@npci.org.in or call our customer care at 1800-120-1740.

### 1/5 — Thief

*2026-05-21, version 4.0.21*

My mobile recharge is not done and Bhim is not refund my ₹3999 I am waiting for 5 days worst upi app

### 1/5 — Imbecile developers

*2026-05-16, version 4.0.21*

They cant support even one prior version of the OS. 

Do they just have single intern working on the ios app?

### 1/5 — Unable to Aa the Bank

*2026-05-03, version 4.0.21*

I am trying to use the app from Canada. I have my phone pe working. Unfortunately, this is not allowing to add my NRE and NRO account.

### 1/5 — BHIM App – Ads Issue & iPhone Widget Scan Problem

*2026-04-27*

I have been using the BHIM app for the past few months. Recently, I noticed advertisements appearing in the transaction history section. This is very disturbing and irritating while using the app. Kindly remove these ads or at least provide an option to disable them for a smooth, distraction-free experience.

Also, I am using an iPhone and facing an issue with the widget. Earlier, when I selected the scan option from the widget, it directly opened the scanner. But now, it only opens the BHIM app, and I have to tap the scan option again manually. This defeats the purpose of having a widget.

Please fix this so that tapping the scan option in the widget directly opens the scanner, as it did before. Both these improvements will be very useful for all users.

**Developer response:** We are available to help you. Kindly write to us at bhim.support@npci.org.in with your mobile number and the error screenshots with the recent timestamp so that we can address the issue swiftly.

### 5/5 — Works so fast

*2026-04-26, version 4.0.21*

The new app interface is so good, fast and even competes with other upi apps

### 5/5 — Accumulated cash back lost in oblivion

*2026-04-22*

I’ve been using the app for years without any problem. The recent updates have been glitchy. After a month of usage I tried to redeem the accumulated cash back, and immediately the app glitched saying there was an error try again. But then all the accumulated cash back was back to zero, there is nothing in transaction history nor in my bank account. When I reached out to support team, they ask to continue to check my bank account. Wow! 

Update:
Issue was resolved within a week.
Thank you BHIM team.

**Developer response:** We would like to understand your concern better and resolve it at the earliest. Kindly provide your details at https://bhimupi.org.in/get-in-touch along with your mobile number, device model, and OS version.

### 1/5 — Too many pop up ads

*2026-03-31, version 4.0.18*

Very annoying app with too many pop up ads. Getting rid of this app.

## Frequently asked questions about BHIM Bharat's Own Payments App

### What is BHIM Bharat's Own Payments App?

BHIM (Bharat Interface for Money) is a UPI payment app developed by the National Payments Corporation of India (NPCI). It is designed to make digital transactions easier, safer, and faster for all Indian users with an intuitive interface and advanced security features.

### What are the key features of BHIM Payments App?

Key features include a refreshed intuitive UI, Family Mode for managing payments, Spend Insights for expense monitoring, UPI Lite for small PIN-less payments, RuPay Credit Card on UPI, Credit Card on EMI options, UPI Circle for payments without a bank account, seamless bill payments, and light/dark mode options. It also allows for easy expense splitting with friends.

### Is BHIM Payments App free to use?

Yes, BHIM Payments App is a free application. There are no charges mentioned for using its core payment and transaction features. The app is developed by NPCI to promote digital payments in India.

### How do I get started with BHIM Payments App?

To get started, download the BHIM app and register using your mobile number. Ensure your SIM is linked to your bank account. You will need your Debit Card or Aadhaar Card handy to generate your UPI PIN, unless you are using UPI Circle.

### What are the use cases for BHIM Payments App?

BHIM Payments App can be used for a wide range of transactions including sending and receiving money, paying utility bills (electricity, credit card, gas, FASTag), recharging, splitting expenses with friends, and making small PIN-less payments up to ₹500 using UPI Lite.

## Version history (last 5 releases)

### 4.0.26 — 2026-07-24

What changed?
More than you’d expect.

Getting started is now faster with a redesigned onboarding experience. Need a Personal Loan? You can now explore one without leaving BHIM. And every tap, swipe, and payment feels smoother thanks to the improvements we’ve quietly made behind the scenes.

The little things add up.
Update BHIM and see for yourself.

### 4.0.25 — 2026-07-13

Every tap should take you closer to what matters.

That's why this update focuses on the moments you experience every day. Finding features is now quicker with Global Search. Discovering cashback is easier in the refreshed Offers section. National Pension System (NPS) services remain seamlessly accessible. And with performance improvements throughout the app, everything feels faster, lighter, and more fluid.

Open BHIM. Feel the difference. Update today.

### 4.0.24 — 2026-06-17

Planning for tomorrow is now as simple as paying today.

You can now access National Pension System (NPS) services on BHIM, making it easier to contribute towards your retirement goals.
 
We’ve also improved app performance with important bug fixes and enhancements, making your payments faster, smoother and more reliable.

### 4.0.22 — 2026-05-23

You already have everything you need to pay.
Your face. Your fingerprint.
Now BHIM makes it that simple.
Biometric payments are here
Pay instantly and securely using your fingerprint/face for transactions up to ₹5000.
You can now check your CIBIL score
Because understanding your money should feel easy, not complicated.
Faster, smoother, more intuitive
Everything just works better.
Update now and experience the difference.

### 4.0.21 — 2026-04-22

You already have everything you need to pay.
Your face. Your fingerprint.
Now BHIM makes it that simple.
Biometric payments are here
Pay instantly and securely using your fingerprint/face for transactions up to ₹5000.
You can now check your CIBIL score
Because understanding your money should feel easy, not complicated.
Faster, smoother, more intuitive
Everything just works better.
Update now and experience the difference.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*