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BHIM app for cashless transactions

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How to use BHIM app for cashless transactions

BHIM (Bharat Interface for Money) is a Mobile App developed by National Payments Corporation of India (NPCI), based on the Unified Payment Interface (UPI). It was launched by Narendra Modi, the Prime Minister of India, on 30 December 2016.

BHIM app allow users to send or receive money to other UPI payment addresses or scanning QR code or account number with IFSC code or MMID (Mobile Money Identifier) Code to users who do not have a UPI-based bank account.

you can download bhim app from following link from google play store. download app


  • Steps and terminology.

M-pin or upi pin is 4 digit code that your create with m-banking. If m-banking is not enabled for your account, they will ask you to enter six digit debit card no. Enter it and enter pin of your choice. This will be your m-pin.

Payment address is a particular unique address to everyone. Its like email id. you will get a payment address after adding your account to this app.

This will be in the form of [email protected] here xxxxxxxxxx is your mobile number.

Ex. Means mobile number is 9898989898 then payment address [email protected]

  • How to Use Bhim app

1.Open the bhim app and choose sim card of mobile number which is registered to your bank account number.

2.Now click on send SMS and your number will verified. This process will happen for once.

3.After this, choose your bank and your account number that will be automatically picked. If you have multiple accounts in same bank then choose any one account of them.

4.Now Create MPIN for your account by entering last 6 digits of debit card number.

5.Now click on pay and enter mobile number or payment address of that person  to whom you want to pay.

6.Now enter your MPIN and click next. Your payment will be done.

Thanks !


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