# BHIM IOB UPI

> Mobile payment app for virtual payment addresses and QR code transactions. (iPhone/iPad app by IOB.)

- Source: https://appshunter.io/ios/app/bhim-iob-upi/id1565773245 (this page in markdown: same URL + `.md`)
- Developer: [IOB](https://appshunter.io/developer/991696099)
- Category: Finance
- Price: Free
- Rating: 3.00/5 from 21 App Store ratings · 62 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 35 MB
- Languages: American English
- Released: 2022-04-02
- Data updated: 2026-08-26
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/bhim-iob-upi/id1565773245/reviews.md

## What is BHIM IOB UPI?

Indian Overseas Bank unveils BHIM IOB UPI. Registered mobile number in the bank account to be entered by the customer. OTP will be sent to the customer for initial registration and device binding. The SIM card of the registered mobile number should be present on in-app the installed device to make any payments.


Features include

* Creation of Virtual Payment Address to link bank account which is used for making and receiving payment without additional bank account information

* Send money and collection requests can be done by this application.

* Balance inquiry can be checked for VPA linked bank accounts

* Manage payee, VPA, Account can be avail

* Pay by QR Code and QR code generation can be done

* Refer a friend via Facebook, WhatsApp, Google+, Gmail, etc

## Key features

- Virtual Payment Address creation
- Send money and collection requests
- Balance inquiry for VPA linked accounts
- Manage payees and VPAs
- Pay by QR Code
- Generate QR codes

## Recent user reviews (10 of 62)

All indexed reviews: https://appshunter.io/ios/app/bhim-iob-upi/id1565773245/reviews.md

### 1/5 — Too many bugs

*2026-03-06*

Cannot create UPI pin and unable to reset it. Lacks basic features. And when you change the theme in some screens the display fields are different which is a basic testing that a junior developer should have done. Seems like a useless IT team developed this.

### 3/5 — Account balance

*2026-03-03*

Unable to check balance - not working

### 4/5 — Nice

*2025-11-29, version 2.3*

smooth ui

### 1/5 — Pathetic. Extremely slow and buggy

*2025-09-22, version 2.3*

Pathetic. Extremely slow and buggy

### 5/5 — Excellent!!

*2025-08-29, version 2.3*

One of the most reliable financial application.

### 1/5 — Not able to request sms

*2025-08-12*

When I try to click the send sms to verify the mobile i get a pop up like WiFi is not allowed. How can the app without WiFi ? What am I missing here ?

### 1/5 — Mobile number is not found.

*2025-07-16, version 2.3*

Hey app developer  . iOS users facing login issue . Where are u bro fix the bug. Bro Customer cares also didn’t know how to solve this issue. Hey app developer bro pls make easy app like gpay and supermoney..

### 5/5 — New look

*2025-07-04*

Nice to see the new appearance. Hope the performance also fine

### 1/5 — This app will ensure you can’t use it

*2025-06-11*

One has to give at least one star to provide a review and I am giving it so as atleast the app exists and at least on the surface provides all features. Underneath though the linking systems are literally non-existent..My sympathies for those banking here and may god give strength to those trying to enroll for Internet banking or mobile banking. This one will take you back to the dark ages..!!

### 5/5 — Amazing

*2025-06-04, version 2.3*

Easy and faster payment and safe

## Frequently asked questions about BHIM IOB UPI

### What is BHIM IOB UPI?

BHIM IOB UPI is a mobile application that enables users to make and receive payments using a Virtual Payment Address (VPA) linked to their bank account. It facilitates transactions without needing to share additional bank account details.

### What are the key features of BHIM IOB UPI?

Key features include the creation of a Virtual Payment Address to link bank accounts, sending money, requesting collections, checking account balances for VPA linked accounts, managing payees and VPAs, and making payments via QR codes, including QR code generation.

### Is BHIM IOB UPI free to use?

Yes, the application is free to download and use. There are no in-app purchases or advertisements mentioned in the provided description.

### What is required to register for BHIM IOB UPI?

To register, you need to have your registered mobile number with the bank account. An OTP will be sent to this number for initial registration and device binding. The SIM card of the registered mobile number must be present in the device where the app is installed.

### How can I use BHIM IOB UPI for payments?

You can use the app to send money to others by entering their VPA or by scanning their QR code. You can also request money from others. The app allows you to manage your linked bank accounts and check balances through your VPA.

## Version history (last 5 releases)

### 2.5 — 2026-03-05

• Bug fixes and performance improvements
• Improved app stability
• Minor UI enhancements for better user experience

### 2.4 — 2026-02-18

- Performance improvements
- Minor bug fixes
- Security enhancements

### 2.3 — 2025-05-06

* bug fix

### 2.2 — 2025-03-14

* bug fix
* some ui changes

### 2.1 — 2025-03-11

* bug fix
* some ui changes

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## More apps by IOB

- [IOBMobile](https://appshunter.io/ios/app/iobmobile/id991696100)
- [IOBNanban](https://appshunter.io/ios/app/iobnanban/id1370756039)
- [IOBSahayak](https://appshunter.io/ios/app/iobsahayak/id1377519173)
- [IOB THAILAND MOBILE BANKING](https://appshunter.io/ios/app/iob-thailand-mobile-banking/id1562005431)
- [IOB UPI Vyapar](https://appshunter.io/ios/app/iob-upi-vyapar/id6468646009)

All apps by IOB: https://appshunter.io/developer/991696099

## Related topics

[bhim iob upi](https://appshunter.io/ios/topics/bhim-iob-upi) · [iobmobile](https://appshunter.io/ios/topics/iobmobile) · [indian overseas bank](https://appshunter.io/ios/topics/indian-overseas-bank) · [iob](https://appshunter.io/ios/topics/iob) · [bhim](https://appshunter.io/ios/topics/bhim) · [iob finances](https://appshunter.io/ios/topics/iob-finances)

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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 2026-08-26.*