Comparison

FedMobile vs BHIM KVB Upay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

FedMobile

This mobile banking application consolidates banking, bill payments, and UPI services into a single platform. Users can manage accounts, transfer funds, make payments, and access investment and loan services. It also offers account management features and service requests for a comprehensive banking experience.

Highlights
  • Account management and transaction viewing
  • Online fund transfers (UPI, IMPS, NEFT, RTGS)
  • Recharge and bill payments
  • Investment in gold and deposit schemes
  • Loan management and application
  • Digital passbook access
  • Service requests and card management
Features
Read full description

This revamped version of FedMobile– Federal Bank’s highly popular mobile banking application - comes with more user-friendly and advanced features than its predecessor, ensuring a richer and more pleasant experience for its users. We have combined Mobile Banking, FedBook and BHIM UPI into a single application plus a whole host of new features and services to make it a one stop shop for all your banking needs. Enriched with new banking and payment features, this version of the app is a complete package, which enables users to access and manage their accounts from anywhere, anytime; it enables the user to undertake – banking as well as non-banking transactions. Specific features include : Recharge & Bill Payments: Our recharge and bill payment sections allow you to do mobile/DTH/Fastag recharges and payment of a wide variety of bills including Mobile, Electricity, Water, Gas etc. Transfer funds online: Make payments and funds transfers online real-time, using payments methods like UPI, IMPS, NEFT, RTGS etc. BHIM UPI: We have integrated all the UPI functionalities into the app so that allows you to enjoy the full bouquet of UPI services using this app. FedBook: Bank’s digital passbook app is now available as an exclusive feature in FedMobile. This allows you to access all your accounts and statements without having to download FedBook separately. Investments: Using the app, you can now invest in Gold and Bank’s various deposit schemes. The “Help Me decide” feature in the app will guide you to the most suitable investment option among all the options. Loans: A full-fledged loans module allows you to manage all your loan accounts, repay loan instalments, apply for loans, and avail loans instantly. Account Services: The account services menu in the side bar allows you manage features linked to your account like Transaction limits, PIN, VPA, Biometric Login, Profile, Email IDs, Nominee details, ON/OFF/Block/Unblock debit cards etc. Service Requests: You can make an array of service requests like Cheque Book, submission of 15G/H, Download TDS certificates, Merchant Services: Our new merchant services section allows you to make Cab, Bus, Flights and Hotel Bookings. To experience the ease and convenience of a truly world-class mobile banking app, download the FedMobile now. Our developers are still fine tuning the app to help you see your accounts listed in the payments page faster and complete UPI, send money/scan and pay transactions quicker. Terms and conditions: https://federalbank.co.in/tandc For any queries related to FedMobile, please write to us at contact@federalbank.co.in or call us at 1800-425-1199/1800-420-1199(National Toll Free Number) or +91-484-2630995/2630995(for NRI customers)

About

BHIM KVB Upay

Manage all your bank accounts in one place with this UPI application. Easily transfer funds, request money, and pay using a Virtual Payment Address (VPA) or QR code. Securely access your account balance and block spam VPAs.

Highlights
  • Fund transfer using VPA, IFSC, or Aadhaar
  • Send and collect money
  • Access all linked bank accounts
  • Pay via QR code scanning
  • Check account balance
  • Block spam VPAs
Features
Read full description

Karur Vysya Bank presents KVB Upay – A Unified Payments Interface (UPI) application that lets you transfer funds from any bank account using a Virtual Payment Address (VPA), IFSC & Aadhaar. What is UPI? Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The UPI is regulated by the Reserve Bank of India (RBI) and works instantly by transferring funds between two bank accounts on a mobile platform. If you operate multiple banks account & use multiple apps for your payments? Switch to KVB Upay for managing all your accounts at one place. Benefits of using KVB Upay - No need to remember account number, IFSC for fund transfer - Send/Collect money using a Virtual Payment Address - Access all bank accounts linked to your mobile number in one app - Pay to friends & relatives using their VPA - Pay to any user using any UPI application. - Request money from any UPI user - Scan a QR and pay on the fly. - Make Payments by QR Scanning - Check account balance - Block unwanted VPA as Spam What are the requirements for using KVB UPay? You should have following - A iPhone with internet services - An operative bank account - The mobile number being registered with UPI must be linked to the bank account. - Active debit card relating to this account for creating mPin. How to register for KVB Upay? - Download “BHIM KVBUPay” from iOS App Store - Click on “Proceed” to verify your mobile number. - An SMS will be sent from your mobile for verification. - After your mobile number is verified, the Profile Registration screen is displayed. Fill in the required details. - Create six digits numeric application password for logging in to application and confirm the same. - Once successfully registered, login to the app and create VPA for the bank account linked. - Select the Bank & create VPA for the bank. - Set mPin for the selected bank using debit card Support 24 X 7: Email id: customersupport@kvbmail.com Toll Free Number: 18602001916 Supported Banks: Visit our website https://www.npci.org.in/bhim-live-members to find out if your bank is live on BHIM Permissions for App and reasons SMS - As per NPCI guidelines, we will be sending a background SMS to verify the customer and mobile number linked to it. Location – As per NPCI guidelines, we will capture location details Storage – We need this permission to store the scanned QR Code. Calls – We need this permission to detect SIM present or not Go ahead and download BHIM KVBUPay application to experience the unique way of making payments using a Virtual Payment Address (VPA).

Screenshots

FedMobile4 screens
BHIM KVB Upay3 screens

Verdict

The call

The clearest difference is review sentiment: FedMobile at 37% against BHIM KVB Upay's 9%. FedMobile also leads on update cadence (every 6 weeks vs every 3 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

FedMobile ships an update every 6 weeks, BHIM KVB Upay every 3 months. The most recent releases landed on November 1, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 8 level
FedMobile versus BHIM KVB Upay: the parameters behind the verdict, then further details
ParameterFedMobileBHIM KVB Upay
PriceFreeFree
Rating4.5 (1.5K ratings) — better—
Positive reviews37.2% of reviews — better9.1% of reviews
Number of ratings1.5K — better—
Update frequencyEvery 6 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone
Requires iOS17.017.0
Further details — not scored
Size234 MB29 MB
Age rating4+4+
DeveloperFederal BankTHE KARUR VYSYA BANK LIMITED

Customer experience

FedMobile

All ratings1,457 ratings
Positive88.3%
Neutral2.3%
Negative9.4%
Written reviews422 reviews
Positive37.2%
Neutral8.1%
Negative54.7%

BHIM KVB Upay

Written reviews11 reviews
Positive9.1%
Neutral0.0%
Negative90.9%

Bugs and requests

FedMobile

Reported bugs

7 issues
  • Login issues
  • Device authentication failures
  • Crashes on opening the app
  • Inability to transfer funds
  • Incorrect account balance display
Show 2 more
  • Beneficiary management issues
  • Slow performance

Requested features

6 requests
  • Dark mode
  • Biometric login
  • Improved UPI and scan-to-pay features
  • Better account management features
  • More payment options
Show 1 more
  • Improved customer support

BHIM KVB Upay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

FedMobile

No in-app purchases

None

BHIM KVB Upay

No in-app purchases

Questions

Is FedMobile free?
FedMobile is free to download, with no in-app purchases.
Is BHIM KVB Upay free?
BHIM KVB Upay is free to download, with no in-app purchases.
Do FedMobile or BHIM KVB Upay have ads?
Neither FedMobile nor BHIM KVB Upay shows ads.
Which is updated more often, FedMobile or BHIM KVB Upay?
FedMobile ships an update every 6 weeks, and BHIM KVB Upay every 3 months. Most recently, FedMobile was updated on November 1, 2026 and BHIM KVB Upay on October 24, 2026.

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