BHIM KVB Upay vs TMB PAY
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
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.
- 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
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Karur Vysya Bank presents KVB Upay β 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 βBHIM KVBUPayβ from iOS App Store - Click on βProceedβ 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 β As per NPCI guidelines, we will capture location details Storage β We need this permission to store the scanned QR Code. Calls β 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).
TMB PAY
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TMB Pay is designed to empower shop owners and businesses with seamless digital payment features. With TMB Pay, managing your daily UPI transactions is effortless, secure, and smart. Key Features: β’ Quick Merchant Registration Register instantly using your mobile number linked with your TMB account. β’ Real-Time Transaction Tracking View all UPI payments received β by date and time for easy tracking. β’ Transaction Voice Alerts Receive instant voice notifications for every incoming transaction in your preferred language you're most comfortable with. β’ QR Code Generator Easily generate and share: Static QR / Dynamic QR β’ Verify QR Ownership Scan your QR code to verify whether it belongs to your TMB merchant account. β’ Download Transaction Statements Download daily/weekly/monthly UPI transaction statements directly from the app. β’ Wearable Device Integration Connect your smartwatch to: β’ Get real-time voice notifications. β’ Get instant transaction alerts. β’ Generate and display static/dynamic QR codes on your watch screen. β’ RRN-based Transaction Search Find and verify transactions using UPI Reference Number with ease. Please note: TMB PAY doesn't work in jailbroken devices!
Screenshots
Verdict
The clearest difference is device support: TMB PAY at 3 against BHIM KVB Upay's 1. TMB PAY also leads on iOS requirement (15.6 vs 17.0). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on November 2, 2026 and October 30, 2026 respectively.
| Parameter | BHIM KVB Upay | TMB PAY |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 9.1% of reviews | β |
| Update frequency | Every 3 months | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | β |
| Devices | iPhone | iPhone, iPad, iPod β better |
| Requires iOS | 17.0 | 15.6 β better |
| Further details β not scored | ||
| Size | 29 MB | 75 MB |
| Age rating | 4+ | 4+ |
| Developer | THE KARUR VYSYA BANK LIMITED | Tamilnad Mercantile Bank |
In-app purchases
BHIM KVB Upay
No in-app purchases
TMB PAY
No in-app purchases
Questions
Is BHIM KVB Upay free?
Is TMB PAY free?
Do BHIM KVB Upay or TMB PAY have ads?
Which is updated more often, BHIM KVB Upay or TMB PAY?
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