Comparison

BHIM SBIPay vs RuPay

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

Head to head
About

BHIM SBIPay

This app facilitates secure and instant money transfers between any bank customers using a single platform. It also allows users to pay for various services like recharges, food orders, and utility bills, with options for local deals and merchant payments.

Highlights
  • 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
Read full description

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

About

RuPay

Manage your business finances with an intuitive accounting app. Track ledgers, sales orders, and purchases in real-time for informed decision-making. Simplify transaction organization and streamline vendor and customer interactions.

Highlights
  • Ledger tracking
  • Sales order management
  • Purchase management
  • Real-time financial visibility
  • Transaction categorization
  • Streamlined fulfillment
Features
Read full description

Our innovative accounting app revolutionizes the way businesses manage their financial records. With our user-friendly interface and comprehensive features, you can effortlessly view and track your ledger, sales orders, and purchases all in one place. Gain real-time visibility into your financial transactions, allowing you to make informed business decisions. Our app simplifies the complexity of accounting by providing intuitive tools to organize and categorize your transactions. Easily access detailed information about your sales orders, monitor customer interactions, and streamline the fulfillment process. Additionally, our purchase management feature enables you to efficiently handle vendor interactions, track expenses, and ensure timely procurement. Take control of your business finances with our accounting app, saving time and effort while ensuring accuracy and compliance.

Screenshots

BHIM SBIPay4 screens
RuPay4 screens

Verdict

The call

The clearest difference is rating: BHIM SBIPay at 3.0 against RuPay's 1.0. BHIM SBIPay also leads on ratings volume (99 vs 1). RuPay's advantage is update cadence (every 2 weeks vs every 6 weeks) and review sentiment (33% vs 18%). 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.

ReceptionRating · Positive reviews · Number of ratings

BHIM SBIPay holds the better App Store score, 3.0 against 1.0. That said, the two scores are not equally well evidenced: BHIM SBIPay has 99 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 18% of BHIM SBIPay's written reviews are positive against 33% of RuPay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

BHIM SBIPay ships an update every 6 weeks, RuPay every 2 weeks. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
BHIM SBIPay versus RuPay: the parameters behind the verdict, then further details
ParameterBHIM SBIPayRuPay
PriceFreeFree
Rating3.0 (99 ratings) — better1.0 (1 ratings)
Positive reviews18.2% of reviews33.3% of reviews — better
Number of ratings99 — better1
Update frequencyEvery 6 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.015.0
Further details — not scored
Size58 MB51 MB
Age rating4+4+
DeveloperState Bank of IndiaSnehal Batra

Customer experience

BHIM SBIPay

All ratings99 ratings
Positive47.5%
Neutral9.1%
Negative43.4%
Written reviews110 reviews
Positive18.2%
Neutral5.5%
Negative76.4%

RuPay

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews3 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

Bugs and requests

BHIM SBIPay

Reported bugs

18 issues
  • 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
Show 13 more
  • 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

Requested features

15 requests
  • 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
Show 10 more
  • 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

RuPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BHIM SBIPay

No in-app purchases

None

RuPay

No in-app purchases

Questions

Is BHIM SBIPay free?
BHIM SBIPay is free to download, with no in-app purchases.
Is RuPay free?
RuPay is free to download, with no in-app purchases.
Which has better reviews, BHIM SBIPay or RuPay?
BHIM SBIPay is rated higher. BHIM SBIPay averages 3.0 out of 5 from 99 ratings, while RuPay averages 1.0 from 1 ratings.
Do BHIM SBIPay or RuPay have ads?
Neither BHIM SBIPay nor RuPay shows ads.
Which is updated more often, BHIM SBIPay or RuPay?
BHIM SBIPay ships an update every 6 weeks, and RuPay every 2 weeks. Most recently, BHIM SBIPay was updated on October 29, 2026 and RuPay on October 24, 2026.

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