# BHIM KBL UPI > UPI mobile app for secure and rapid bank account transactions and fund transfers. (iPhone/iPad app by THE KARNATAKA BANK LIMITED.) - Source: https://appshunter.io/ios/app/bhim-kbl-upi/id1425852624 (this page in markdown: same URL + `.md`) - Developer: [THE KARNATAKA BANK LIMITED](https://appshunter.io/developer/1031216673) - Category: Finance, Business - Price: Free - Rating: 1.00/5 from 2 App Store ratings · 20 written reviews indexed - Age rating: 4+ - Requires: iOS 15 · 33 MB - Languages: American English - Released: 2018-08-25 - Data updated: 2026-08-13 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/bhim-kbl-upi/id1425852624/reviews.md ## What is BHIM KBL UPI? BHIM KBL UPI (Secure Mobile App for Rapid Transactionz) Mobile application built on UPI Platform for universal app transaction, which facilitates customers to add own and other Bank accounts linked to his/her registered mobile number. Customer can initiate payment ( push ) and collect ( pull ) fund transfer request based on virtual ID, Aadhar number , Bank account number with IFSC code, Mobile Number with MMID. Download self help guide from https://www.karnatakabank.com/ktk/KBL-upi-manual.pdf Scan n Pay and Generate QR code and share A) Allowed to initiate credit collect to a card not linked account. B) Self help mode activated C) QR code generator option to generate QR Code to receive instant payments by sender using BHIM KBL UPI scan pay n pay option . D) activation of user permission to access phone features . F) Enhancements in UI/UX design Pre-Requisites: 1. Registered Mobile number with the Bank where the account is held , sim should be in primary sim Slot ( case of dual SIM Mobile devices.) 2. Mobile Number should be registered with Bank for receiving Transaction SMS Alerts 3. Should have a Valid Debit Card Link any of your other Bank Accounts which is mapped to your registered mobile number with valid Debit card You Need not to be a KBL Customer to use BHIM KBL UPI You Can initiate Money Collection Request ( PULL ) You Can View your Other Bank Account Balance You Can Send money to the Aadhaar Number, Virtual Address, Account Number & IFSC, Mobile Number & MMID (Mobile Money Identifier). You can receive money from Virtual Address ( Collect / PULL ) a) U2U (PUSH): UPI to UPI transaction (Basis Virtual Address, Account Number+IFSC, Aadhaar Number, Mobile Number+MMID). In this case, both the sending and the receiving bank are live on UPI. b) U2U (PULL): Means UPI to UPI transaction (Basis Virtual Address). In this case, both the sending and the receiving bank are live on UPI. c) U2I (PUSH): Means UPI to IMPS transaction (and Mobile Number & MMID). In this case, the sending bank is live on UPI but the receiving bank is live only on IMPS and not on UPI. BHIM KBL UPI will have two PINs 1. App PIN ( 4 Digits) which is created while profile creation. Used for securing the App and opening. 2. MPIN ( 4 Digits ) which is created for each account using SET UPI credentials option. MPIN is used for completing the transactions as 2 nd factor authentication. for more details http://goo.gl/zh1RxX ## Key features - Link multiple bank accounts - Initiate payment and collect requests - Transfer funds via virtual ID, Aadhaar, account number, or mobile number - Generate and scan QR codes for payments - View other bank account balances - Supports UPI to UPI and UPI to IMPS transactions ## Recent user reviews (10 of 20) All indexed reviews: https://appshunter.io/ios/app/bhim-kbl-upi/id1425852624/reviews.md ### 3/5 — Need to improve a lot *2026-04-01* Dear Bank, work on it. Improve this UPI App ### 1/5 — UPI set *2026-02-25* Not set UPI ID maximum time out you showing bad experience 😡🤬 **Developer response:** Hi, sorry for the inconvenience caused. Please write to us at info@ktkbnak.com along with your registered mobile number and short description of the issue to check this at our end. Looking forward for your continuous support ### 1/5 — Not for NRIs *2024-12-08* This app is not for NRIs. Also, The bank’s NRI customer service is very difficult to get help from if you have a foreign number **Developer response:** Hi, sorry for the inconvenience caused. Please write to us at info@ktkbnak.com along with your registered mobile number and short description of the issue to check this at our end. Looking forward for your continuous support. ### 1/5 — Worst app *2023-05-08* I am unable to upgrade app . Mobile app developers does not how to handle errors ? It’s very strange that asking to upgrade the app and redirecting to App Store . In App Store still old version present . Versioning not handled and many customers facing this problem. Fix it quickly **Developer response:** Hi, sorry for the inconvenience caused. Please write to us at info@ktkbnak.com along with your registered mobile number and short description of the issue to check this at our end. Looking forward for your continuous support. ### 1/5 — Worst app *2022-08-03* Do you even compare your app with other bank app ? **Developer response:** Hi, sorry for the inconvenience caused. Please write to us at info@ktkbnak.com along with your registered mobile number and short description of the issue to check this at our end. Looking forward for your continuous support. ### 1/5 — Worst Bank for online banking *2022-05-07* Cant accept a upi mandate, because i am not able to login and when i entered the details its error pops saying virtual if already exist, useless app and bad service **Developer response:** Hi, sorry for the inconvenience caused. Please write to us at info@ktkbnak.com along with your registered mobile number and short description of the issue to check this at our end. Looking forward for your continuous support. ### 1/5 — Xyz *2021-01-25* It’s not working my mobile, it’s showing me error error error **Developer response:** Hi, sorry for the inconvenience caused. Please write to us at info@ktkbnak.com along with your registered mobile number and short description of the issue to check this at our end. Looking forward for your continuous support. ### 1/5 — Not working . Why are you creating this application *2021-01-01* Not working . Why are you creating this application **Developer response:** Hi, sorry for the inconvenience caused. Please write to us at info@ktkbnak.com along with your registered mobile number and short description of the issue to check this at our end. Looking forward for your continuous support. ### 1/5 — Error in initial encryption handshake *2020-11-30* What is the purpose of this app? After downloading the app as soon as we open getting the error. Please hire good application developers for building the application. **Developer response:** Hi, sorry for the inconvenience caused. Please write to us at info@ktkbnak.com along with your registered mobile number and short description of the issue to check this at our end. Looking forward for your continuous support. ### 1/5 — Worst application *2020-10-30* This app doesn’t allow wifi to register 😒 Likewise neither with mobile data😏 I don’t know now by which method I should register 🤦‍♂️ **Developer response:** Hi, sorry for the inconvenience caused. Please write to us at info@ktkbnak.com along with your registered mobile number and short description of the issue to check this at our end. Looking forward for your continuous support. ## Frequently asked questions about BHIM KBL UPI ### What is BHIM KBL UPI? BHIM KBL UPI is a mobile application built on the UPI platform that allows users to link their bank accounts and perform various financial transactions, including sending and receiving money. ### Is BHIM KBL UPI free to use? Yes, BHIM KBL UPI is available for free download and use. There are no charges associated with using the core features of the application. ### What are the prerequisites for using BHIM KBL UPI? To use BHIM KBL UPI, you need a registered mobile number with your bank, the SIM in the primary slot (for dual SIM devices), mobile number registered for transaction SMS alerts, and a valid debit card. You do not need to be a KBL customer. ### How secure is BHIM KBL UPI? BHIM KBL UPI uses an App PIN for securing the app and opening it, and an MPIN for completing transactions as a second factor of authentication, ensuring secure transactions. ### Can I link bank accounts from banks other than Karnataka Bank? Yes, you can link any of your other bank accounts that are mapped to your registered mobile number with a valid debit card. You do not need to be a KBL customer to use BHIM KBL UPI. ### What types of transactions can I perform with BHIM KBL UPI? You can initiate payments (push) and collect (pull) fund transfer requests based on virtual ID, Aadhaar number, Bank account number with IFSC code, or Mobile Number with MMID. You can also view your other bank account balances. ### Does BHIM KBL UPI have ads? No, BHIM KBL UPI does not contain advertisements. The application is designed to provide a seamless and uninterrupted user experience. ### How often is BHIM KBL UPI updated? The latest version of BHIM KBL UPI is 1.3.9, which was last updated on April 2, 2026. Updates typically include enhancements to UI/UX design and feature improvements. ## Version history (last 5 releases) ### 1.4.0 — 2026-07-08 Security Enhancement ### 1.3.9 — 2026-04-02 Security enhancement ### 1.3.8 — 2025-04-19 Security enhancement ### 1.3.7 — 2024-10-07 Bug fixes and Security enhancement ### 1.3.6 — 2024-04-02 Bug Fixes ## Apps similar to BHIM KBL UPI | App | Rating | Price | Category | | --- | --- | --- | --- | | [Motilal Oswal MF, PMS and AIF](https://appshunter.io/ios/app/motilal-oswal-mf-pms-and-aif/id6463774883) | 3.4 (13) | Free | Finance | | [RBL MyBank (Prev. RBL MoBank)](https://appshunter.io/ios/app/rbl-mybank-prev-rbl-mobank/id916461662) | 3.8 (73) | Free | Finance | | [KVB - DLite & Mobile Banking](https://appshunter.io/ios/app/kvb-dlite-and-mobile-banking/id1428536937) | 4.4 (261) | Free | Finance | | [Merchant eRupee By SBI](https://appshunter.io/ios/app/merchant-erupee-by-sbi/id6451142604) | — | Free | Finance | | [Pockets By ICICI Bank](https://appshunter.io/ios/app/pockets-by-icici-bank/id893982636) | 2.2 (41) | Free | Finance | | [BHIM DLB UPI](https://appshunter.io/ios/app/bhim-dlb-upi/id1444981953) | — | Free | Finance | ## More apps by THE KARNATAKA BANK LIMITED - [KBL mPassbook](https://appshunter.io/ios/app/kbl-mpassbook/id1050390691) - [KBL MOBILE Plus](https://appshunter.io/ios/app/kbl-mobile-plus/id1448228023) - [KBL One](https://appshunter.io/ios/app/kbl-one/id6479523244) - [KBL Digital Rupee](https://appshunter.io/ios/app/kbl-digital-rupee/id6502975092) All apps by THE KARNATAKA BANK LIMITED: https://appshunter.io/developer/1031216673 ## Related topics [kbl mobile plus](https://appshunter.io/ios/topics/kbl-mobile-plus) · [kbl](https://appshunter.io/ios/topics/kbl) · [bhim](https://appshunter.io/ios/topics/bhim) · [kbl mpassbook](https://appshunter.io/ios/topics/kbl-mpassbook) --- *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 2026-08-13.*