# BHIM SBIPay

> Unified payment app for bank transfers, bill payments, recharges, and food orders. (iPhone/iPad app by State Bank of India.)

- Source: https://appshunter.io/ios/app/bhim-sbipay/id1342240155 (this page in markdown: same URL + `.md`)
- Developer: [State Bank of India](https://appshunter.io/developer/503784436)
- Category: Finance
- Price: Free
- Rating: 3.00/5 from 99 App Store ratings · 109 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 54 MB
- Languages: American English, Hindi, Tamil
- Released: 2018-02-19
- Data updated: 2026-08-27
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/bhim-sbipay/id1342240155/reviews.md

## What is BHIM SBIPay?

BHIM SBI Pay (UPI App of SBI) is a most innovative payment app that allows any Banks’ customer to send or receive money to/from any other Banks customer using a single app & also allows to pay for services like recharge, food orders, bill payments & local deals. You need not worry which Bank you have your account with. Just download “BHIM SBI Pay” & start using it.

You just need to ensure that:
• Your mobile number has been linked to your Bank accounts
• You have a Debit card linked to your account

BHIM SBI Pay allows you to make easy, instant & secure payments at your convenience on all 365 days of the year

With BHIM SBI Pay you can also do recharges, order food, pay utility bills & buy local deals.

Recharge: Prepaid, Postpaid & DTH
• Track all your recharges at one place
• Get reminders for postpaid bills

Food: Order Food from your Favourite Restaurants
• Compare & Use Swiggy, Freshmenu, Faasos, Behrouz Biryani at one place
• Browse menu, add food items to cart, pay from your account & get food delivered

Bill Payments: Hassle free payment of Electricity, Gas, Broadband, Landline & Water Bills
• Fetch your bill using your customer id or unique identification number of bill
• Get Reminder for utility bills
• Pay for 70+ popular bills

Local Deals: Explore all local deals at one place
• Notification of latest deals
• Get discounts on Buffets, Spa & salons, weekend activities & more

Transaction Limits on BHIM SBI Pay:
• Max. limit per transaction: Rs.1,00,000/-
• Max. transaction limit per day is Rs.1,00,000/-

If you are a Merchant: Login to the app, Click on ‘I am a Merchant’ option, fill-up your business details & you are ready to collect payments from your customers.

Toggle between Consumer & Merchant modes:
• With BHIM SBI Pay, you can collect payments as a Merchant or make payments as a Consumer by simply using the toggle switch from the Menu icon at the top left

Pay/Send money using:
• VPA of the beneficiary
• Account Number + IFSC of the beneficiary
• Scanning QR Code of the beneficiary

Steps to Send Money:
• Login to the App & Click on Pay
• Select Debit Account, Payee Address type (VPA or Account and IFSC)
• Enter other required details
• Enter UPIN
• Click Submit

Steps to Receive/Collect Money:
• Login to the App & Click on Collect 
• Enter Payer VPA
• Enter other required details
• Click Submit

Transaction History:
• View your latest 20 transactions & transactions done for a range of dates

Manage multiple bank accounts: 
• Select My Accounts option from Menu, select your bank & simply add it
• If you have only one Bank account, that will be your Default account to make & receive payments on BHIM SBI Pay
• In case you have multiple accounts, you can select any 1 of them as your Default account, by clicking on “Set as Default” option against the account
• During the ‘Pay’ transaction, select any debit account by swiping through the accounts displayed on the Home screen

Create and Manage Multiple VPAs:
• To add a VPA, go to the Menu at the top right of your app screen, click on View Profile.
• Select Add a New VPA and create your new handle, for e.g. mobileno@sbi
• Select the account to link to the new VPA
• Multiple VPAs can be used for different accounts or one VPA can be linked to different accounts

Steps to Reset PIN:
• In case you forget the App PIN, choose ‘Forgot App PIN’ option on the login screen, answer the secret question to reset the App PIN
• In case you forget the UPIN of Account, reset it by clicking on ‘Reset UPI PIN’ against that account

Complaints/Dispute management: 
Dispute can be raised only for successful transactions.

• Login to the App
• Click on View All in Recent Transactions
• Select the transaction and Click Raise Dispute button
• Select Dispute type, enter Remark.
• Click Submit

For other queries/complaints related to BHIM SBI Pay, please write to support.upi@sbi.co.in

## Key features

- Send and receive money between banks
- Pay for recharges (prepaid, postpaid, DTH)
- Order food from multiple restaurants
- Pay utility bills (electricity, gas, broadband)
- Explore and get discounts on local deals
- Merchant payment collection
- Manage multiple bank accounts

## What do users think of BHIM SBIPay?

Overall sentiment: negative

**Pros**

- 👍 User-friendly interface design
- 🔒 Strong security features
- 💳 Easy money transfer functionality
- ⚡ Quick payment processing when working
- 📱 Convenient UPI payment option

**Cons**

- 🐛 Frequent app crashes and freezes
- ❌ Poor performance on iOS platform
- 🌐 Persistent communication errors
- ⏱️ Extremely slow app loading times
- 🔐 Problematic OTP verification process
- 📵 No eSIM support for international users
- 🚫 Non-functional for NRI/overseas accounts
- 🔄 Constant re-verification loops
- 💥 Session expiration issues
- 🌍 No support for international phone numbers
- 📱 Incompatible with older iPhone models
- 🔌 Forced minimization restrictions during registration
- ❌ Missing SMS autofill feature
- 🔋 Device blocking after verification failures
- 📊 Inconsistent transaction limits
- 🎯 Unreliable payment mandate handling

**Commonly reported bugs**

- Communication error messages appear frequently
- App crashes when approving UPI mandates
- Login fails with 'device blocked' error
- OTP verification fails for international numbers
- eSIM not detected during registration
- Session expires too quickly
- App closes when switching between apps during OTP entry
- Payment failures without proper error messages
- App hangs after successful verification
- Notification system not working properly
- QR code scanning fails intermittently
- Connection drops during registration process
- Re-verification loop after app updates
- Transaction limits reset unexpectedly
- History/transaction details not displaying
- App version mismatch with iOS requirements
- Automatic logout issues
- Payment gateway connectivity problems

**Most requested features**

- SMS autofill and read permissions for OTP
- eSIM support for international users
- Support for US and international phone numbers
- Touch ID/Face ID biometric authentication
- Dark mode option
- Bill payment and recharge options
- DTH and utility bill payment features
- Transaction limit adjustment within app
- Credit card payment support
- Integration with YONO app
- Language selection before signup
- Proper error messages in multiple languages
- Dynamic QR code payment support
- Merchant name display in payment history
- Previous UPI ID recovery on new devices

## Recent user reviews (10 of 109)

All indexed reviews: https://appshunter.io/ios/app/bhim-sbipay/id1342240155/reviews.md

### 2/5 — Unstable app

*2026-08-06*

I dont know how unstable it can be 
Regularly use this app but once in a while it automatically logs out of the account and comes to the initial setup page . Even now when I am giving my initial details and mobile device to sms binding it says connection unsuccessful. Tried many days with restarting ,uninstalling app flight mode etc . Kindly do fix or remove the app from store

### 1/5 — Unable to register

*2026-07-19*

Same error again and again. After sending SMS. It says communication Error. Something went wrong.

### 1/5 — Worst app experience

*2026-06-24*

Worst app ever. Same like SBI branch, it doesn’t work. Wonder how much corruption is being done in the name of app building which doesn’t do the basic thing. Trying to setup the app on my iPhone, first it doesn’t deliver OTP, once OTP came, after doing so many steps of Aadhaar authentication, everything successfully, it comes back to initial setup window again. What the heck is this!!

### 2/5 — Crashes so many times

*2026-06-15*

I am still trying to be loyal to SBI, but payment failures and crashes makes it hard to use the app. Please fix the connection error issue. It is embarrassing many times I have to switch to another UPI app to complete the purchase.

Update Jun 2026: Still same problem exists. I always have to have a backup UPI payment. Why does it say I have to upgrade even though I have the latest version. When I click update, it just hangs.

### 1/5 — Registration Failure for NRI Customers Using International Mobile Numbers

*2026-05-04*

The SBI Pay app currently does not allow successful registration for NRI customers using international mobile numbers, even when those numbers are already registered with the bank. In my case, as a customer in the UAE, the app fails to complete registration for an unknown reason, likely due to a technical glitch. This issue prevents NRI customers from accessing and using UPI services through the SBI Pay application. Please resolve this registration problem so international users can fully utilize the app.

### 1/5 — Repeated communication error during registration

*2026-04-25*

On iOS 26.4.2 I was prompted to register again due to inactivity for 5 months. But I am getting communication error and try again. After 3 attempts, I am asked to try after 24 hours. Why this communication error after sending the verification SMS? I am using iPhone 17 Pro Max. Software updates are up to date. I even deleted the app and reinstalled. But the problem continues.

### 3/5 — Update causing problem

*2026-03-27*

On opening the app it prompts for update. If update option is selected, the App Store link opens and directly “Open” button is displayed in the app link. On clicking open button, the app fails to open and “Loading data” message is displayed. The app doesn’t respond further.
After closing the app, when opened again the same update is prompted as earlier; means there is no updates which is installed. 
Look into the matter and resolve the issue. 
I had already faced the same issue during earlier update release. I had to uninstall the app and reinstall the app.

### 1/5 — Useless

*2026-03-11*

Can’t register in my iPhone. Always shows communication error

### 1/5 — not for tourist

*2025-11-15*

no foreign accounts, no foreign credit card (as of today)

### 1/5 — Geo

*2025-11-07*

Waste of time, no country code

## Frequently asked questions about BHIM SBIPay

### What is BHIM SBI Pay?

BHIM SBI Pay is a payment application that allows any bank's customer to send or receive money to/from any other bank's customer using a single app. It also enables payments for services like recharges, food orders, bill payments, and local deals.

### What are the key features of BHIM SBI Pay?

Key features include sending and receiving money between banks, paying for prepaid, postpaid, and DTH recharges, ordering food from various restaurants, settling utility bills, exploring local deals with discounts, and enabling merchants to collect payments.

### Is BHIM SBI Pay free to use?

Yes, the application is available for free. There are no charges mentioned for downloading or using the core services of sending and receiving money, paying bills, or making recharges.

### What are the transaction limits on BHIM SBI Pay?

The maximum limit per transaction is Rs. 1,00,000/-. The maximum transaction limit per day is also Rs. 1,00,000/-.

### Can I manage multiple bank accounts with BHIM SBI Pay?

Yes, you can manage multiple bank accounts. You can add your bank accounts and set a default account for making and receiving payments. During a 'Pay' transaction, you can also select any of your linked debit accounts.

## Version history (last 5 releases)

### 2.3.29 — 2026-07-09

- Minor enhancements

### 2.3.28 — 2026-06-26

- Minor enhancements

### 2.3.27 — 2026-06-09

- Minor enhancements

### 2.3.26 — 2026-05-04

- Minor enhancements

### 2.3.25 — 2026-03-24

- Minor enhancements

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## More apps by State Bank of India

- [Yono Lite SBI](https://appshunter.io/ios/app/yono-lite-sbi/id872982272)
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- [SBI Secure OTP](https://appshunter.io/ios/app/sbi-secure-otp/id1055960651)
- [Yono Business SBI](https://appshunter.io/ios/app/yono-business-sbi/id1056093690)
- [SBI Wealth](https://appshunter.io/ios/app/sbi-wealth/id1072340833)
- [MyHRMS](https://appshunter.io/ios/app/myhrms/id1142185705)

All apps by State Bank of India: https://appshunter.io/developer/503784436

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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.*