The BHIM APP-Bharat Interface for Money transfer without internet

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bhim app

bhim app

BHIM (Bharat Interface for Money) is a digital payment solution app which is based on Unified Payment service and is available only on Android operating system for now. The app will also be Aadhaar based where transactions will be enabled just with a fingerprint impression. However, the facility has not been launched yet. Those who have signed up for UPI based payments in the bank account and linked the mobile app will be able to take the service of BHIM for digital transactions.

List of Banks supported by BHIM

Here are the Banks supported by BHIM – Allahabad Bank, Andhra Bank, Axis Bank, Bank of Baroda, Bank of Maharashtra, Canara Bank, Catholic Syrian Bank, Central Bank of India, DCB Bank, Dena Bank, Federal Bank, HDFC Bank, ICICI Bank, IDBI Bank, IDFC Bank, Indian Bank, Indian Overseas Bank, IndusInd Bank, Karnataka Bank, Karur Vysya Bank, Kotak Mahindra Bank, Oriental Bank of Commerce, Punjab National Bank, RBL Bank, South Indian Bank, Standard Chartered Bank, State Bank of India, Syndicate Bank, Union Bank of India, United Bank of India, and Vijaya Bank.

No of Accounts that can be linked

As of now, you can select just one bank account and if you have linked two bank accounts then in order to use one the other should be disabled.

How to Link Bank Account?

  • After you have installed the app, it will send a message to your verified mobile number
  • User will be prompted to set 4 digit code. This code will be needed every time for the authentication
  • Thereafter, relevant bank will have to be linked with the App. In case you have activated the UPI, the number will reflect in BHIM app
  • Option of sending, receiving and transferring money via IFSC will appear
  • In case the UPI is not activated, six digit of Debit card can be entered along with the expiry date.
  • Thereafter, you can use the app for services
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BHIM app allows the user to scan the QR code which can be generated through BHIM app. If you want to pay to the merchant then just click the Scan and Pay button in the app and then scan QR code. One can use the BHIM app even if you do not have smartphone or internet connection. User just need to dial *99# from any mobile phone. A menu will appear and you can select various options to send money.

Even without a smartphone or an Internet connection, anyone can use BHIM to make payments. You need to dial *99# from any kind of mobile phone, and this will show a menu – by typing in different numbers you can choose to send money, check your balance, or see transaction history even without internet connection. As of now there is a limit of Rs 10,000 per transaction and Rs 20,000 per day for BHIM. A user will have to use a credit card or debit card, IFSC or any other form of net banking.


There are no charges for using BHIM. However, you respective bank can charge a nominal fee for UPI or IMPS transfer.


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An MBA in finance, I like to cover the wide range of topics related to Taxation, SEBI, Finance and anything that is Public Helpful. The motive is always to make it simpler for the taxpayers understand the system better and take informed decisions.

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