# BHIM KVB Upay vs TMB PAY

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.

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.

## The numbers

| Metric | BHIM KVB Upay | TMB PAY |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 9.1% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | Free | — |
| Size | 29 MB | 75 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [THE KARUR VYSYA BANK LIMITED](https://appshunter.io/developer/1039210994) | [Tamilnad Mercantile Bank](https://appshunter.io/developer/901809082) |

## What reviewers say

### BHIM KVB Upay

[App page](https://appshunter.io/ios/app/bhim-kvb-upay/id1258079462)

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:** macOS Compatibility

**In-app purchases:** none


### TMB PAY

[App page](https://appshunter.io/ios/app/tmb-pay/id6743200449)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BHIM KVB Upay free?

BHIM KVB Upay is free to download, with no in-app purchases.

### Is TMB PAY free?

TMB PAY is free to download, with no in-app purchases.

### Do BHIM KVB Upay or TMB PAY have ads?

Neither BHIM KVB Upay nor TMB PAY shows ads.

### Which is updated more often, BHIM KVB Upay or TMB PAY?

BHIM KVB Upay ships an update every 3 months, and TMB PAY every 3 months. Most recently, BHIM KVB Upay was updated on November 2, 2026 and TMB PAY on October 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*