# BHIM SBIPay vs RuPay

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.

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

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.

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.

## The numbers

| Metric | BHIM SBIPay | RuPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (99 ratings)](https://appshunter.io/ios/app/bhim-sbipay/id1342240155/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/rupay/id6475946639/reviews) |
| Number of ratings | **99** | 1 |
| Positive reviews | 18.2% of reviews | **33.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 58 MB | 51 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [State Bank of India](https://appshunter.io/developer/503784436) | [Snehal Batra](https://appshunter.io/developer/1861442756) |

## What reviewers say

### BHIM SBIPay

[App page](https://appshunter.io/ios/app/bhim-sbipay/id1342240155)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 Frequent app crashes and freezes
- ❌ Poor performance on iOS platform
- 🌐 Persistent communication errors
- ⏱️ Extremely slow app loading times
- 🔐 Problematic OTP verification process

**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

**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


### RuPay

[App page](https://appshunter.io/ios/app/rupay/id6475946639)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


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