FAQs on BHIM SBI Pay App

About the product BHIM SBI Pay

1. What is BHIM SBI Pay (UPI App of SBI) ?

“BHIM SBI Pay” (UPI App of SBI) is a payment solution that allows account holders of all Banks participating in UPI to send money, receive money and do online bill payments, recharges, shopping, etc. using their smartphones.

2. How is UPI different from IMPS?
  • IMPS facilitate transfer of money from Sender to Receiver and the transaction is initiated by the Sender. • UPI facilitates transfer of money using both Push & Pull mechanism where the transaction can be initiated by Sender as well as Receiver.
  • Multiple Banks account can be linked to a Single APP for money transfer.
  • Secured by single click two factor authentication.
3. How is BHIM SBI Pay different from other payment solutions/apps?
  • BHIM SBI Pay provides the flexibility of making payments at your convenience 24X7 on all 365 days of the year.
  • You can transfer funds using your BHIM SBI Pay app to your friend/relative by knowing only their Virtual Payment Address (VPA).
  • The receiver of the money need not disclose his account number, IFSC code or any other such Banking details.
  • You can also do online bill payments, recharges and shopping, etc. using your smartphones.
4. Can I use more than one UPI application on same mobile device?

Yes, you can use more than one UPI application on the same mobile and link same as well as different accounts in both the UPI apps.



5. Will I be able to use BHIM SBI Pay app across all Mobile platforms?

BHIM SBI Pay is available on Android and iOS phones.

6. Can I link my mobile wallet to BHIM SBI Pay/UPI?

No, you cannot link a mobile wallet to BHIM SBI Pay/UPI. Only bank accounts can be added.

Installation & Registration Process

1. How I will install the BHIM SBI Pay ?
  • Go to Google Play store/ Apple Appstore as the case be.
  • Download the latest version of BHIM SBI Pay.
  • Click on the install/open button and complete the steps for Registration.
  • Please ensure that you have linked your active mobile number with your bank account.
2. Do I need to do any registration before remitting funds using UPI in BHIM SBI Pay?

Yes, a customer needs to register with BHIM SBI Pay after downloading it in his/her mobile and link his/her accounts for remitting funds using UPI.

3. How do I register as a Merchant?
  • After registration, user needs to click on "I am a Merchant" tab on the main screen.
  • Fill the details as asked for, submit and confirm acceptance.
  • As a Merchant, you can Collect money from the customers using various options and can make payments also to your vendors using the option available in main menu.

Creation of VPA (Virtual Payment Address)

1. What is a Virtual Payment Address (VPA)?

"Virtual Payment Address" is a virtual ID which is unique. For example, name or number or a combination of numbers and characters followed by @sbi that you can choose for yourself, like, ramesh@sbi or 7051448888@sbi.

Your account is linked to a VPA. So, you can pay/receive money using your VPA instead of sharing bank account details.

2. How can I generate a Virtual Payment Address (VPA)?
  • On App start up, confirmation message for SMS to be sent for registration will be displayed.
  • On clicking YES, registration page is displayed. Provide the information asked for on the page e.g., First Name, Last Name, Email, Security Question, Security Answer, etc.
  • Set your preferred VPA or choose from the suggested VPA and Submit.

Linking of Account

1. How I will link account to my UPI for transacting?
  • You have to select the Bank of your choice (where you have your account) from the list of Banks displayed.
  • On completion of above details, click on “Next” button. Select the required Account from the list of accounts displayed to link and Click Register.
2.Can I link more than one account to a single virtual payment address?

Yes, Maximum 5 bank accounts can be linked to the same virtual address (VPA)

3. I have 2 accounts with SBI, do I need separate virtual payment addresses (VPA) for each of these accounts?

You can have a single VPA or multiple VPAs as per your choice. In case of multiple accounts linked to single VPA, the default account can be changed using “Account Management” tab in the app using the option “Set as Default Account”.

4. How can I change my Default A/c?
  • Login to BHIM SBI Pay App
  • Select option My Accounts in main menu.
  • Select Account from linked accounts available.
  • Click Set ‘As Default Account’ button to set the selected account as default account. This account will be termed as “Primary Account”
5. I have account with ‘XYZ’ bank. Can I transact with it using BHIM SBI Pay?

Yes, you can do transactions in your ‘XYZ’ bank account using BHIM SBI Pay. In this case the XYZ banks needs to be on NPCI UPI platform directly or through a Sponsor Bank.

6. I intend to add multiple accounts from other banks to SBI. Do I need a separate virtual payment address (VPA) for each of these accounts?
  • Not necessary. A single VPA can be created and linked to multiple accounts. One of the account will be default account. The default account can be changed at any time. The money will be paid/received from/in the default account.
  • The VPA can be toggled between the various accounts by setting a preferred account under “My Accounts”.
  • You also have the option to create separate VPA for each account.
7. Can I use another UPI app simultaneously in my phone? Will I be required to register again or I can carry the same virtual address?
  • Yes, you can use multiple UPI apps in single mobile phone.
  • For using different UPI apps, you need to download these apps and complete registration process of the respective apps.
  • You can also use the same “name” in all VPAs, but the handle (name@handle) will always be different for all apps. (Ex: name@sbi, name@upi, name@hdfc, etc)

Beneficiary Management

1. Do I need to register a beneficiary before transferring funds through BHIM SBI Pay? What details of beneficiary will be required?
  • No, registration of Beneficiary is not required for transferring funds through BHIM SBI Pay.
  • You need any one of VPA/Account+IFSC Code/ QR code of the beneficiary.
  • These details can be stored for future use so that every time you need not have to enter the beneficiary details.
2. Does the beneficiary also have to register for UPI for receiving funds?
  • In case of Virtual ID transaction (VPA) & QR Code mode, the beneficiary needs to register with UPI and in turn will have a Virtual ID (VAP) or QR code.
  • But in case of Account +IFSC the beneficiary need not be registered for UPI.
3. Does the beneficiary/receiver needs to have a Bank account?

Yes, the beneficiary/receiver must have a bank account for transferring money. Amount is directly credited to the account instantly.

4. How can I refer my contact/friends for registering and use BHIM SBI Pay?
  • You can refer BHIM SBI Pay App to your contacts & friends through various modes like SMS, WhatsApp, email, Share to phone, Facebook, etc.
  • For sending invitation, login to BHIM SBI Pay App, go to main menu and select ‘Invite’ tab.
  • Select type of message from the various option shown to send the invitation register for SBI Pay App to the contacts/friends.
  • The user receiving the invite can download and install the BHIM BI Pay app from the link provided in your message.

PIN Management & Security

1. What is an App PIN and how will I create App PIN?
  • App PIN is required to open the App. On registration screen after creation of VPA you will be asked to create an App PIN, which is required for opening the BHIM SBI Pay App every time.
  • At the lower part in the screen select security question and give its answer. This security question and answer can be used for recovering the App PIN in case you forget it.
  • Accept the terms and conditions by clicking the (√) mark
2. What happens if I forget my UPI PIN?
  • In case you forget the UPI PIN of an Account, you need to re-generate new PIN under Account Management tab.
  • Select an account from linked in My Accounts and click on Reset UPI PIN option. Give the details of Debit (ATM) Card in the screen and create a new PIN using the OTP in the next screen.
  • If you forget the BHIM SBI Pay login PIN then you can choose the “Forgot password” option provided in the pre-login screen, enter the email id and answer the secret question to reset your APP PIN.
3. What happens if I forget my Secret Answer?
  • In case you forget the security answer, you can re-create App PIN.
  • You have to enter the complete email ID or mobile number as per your selection.
  • An OTP will sent to your Email or alternate mobile number to enable you to re-create App PIN.
  • Therefore, please always keep your email ID and alternate mobile number updated in your profile.
4. What happens if my mobile phone is lost ?
  • In case of mobile loss, you need to simply block your mobile number, by contacting your mobile service provider.
  • No transaction can be initiated without knowing your App PIN and UPI PIN.
  • The transactions are further protected by device binding (linked to mobile handset). If the same SIM is used in a different mobile device, the user has to re-register.
  • Never share your App PIN or UPI PIN with anyone.
  • In case, both your mobile handset and SIM is changed, you need to re-register for BHIM SBI Pay as a new user by creating new VPA.
5. Will I be able to use UPI after I change my sim or mobile?
  • In case of change in SIM card (new mobile number), you can use the same application. Please ensure that your new mobile number is linked with your bank account.
  • You will be prompted to update your mobile number automatically by making you to enter the old mobile number and entering the answer to the secret question set during registration.
  • You can continue using the same application and same Virtual ID(VPA).
  • In case you change your mobile phone, then on downloading the app, it will ask to 'verify your device'.
  • There you need to give answer to secret question. On entering the correct answer you can continue with old virtual ID.
6. In case my mobile is used by another person, will there be any security breach?
  • BHIM SBI Pay app has 2 levels of authentication. During login the application is secured by a Login password.
  • For any transaction using UPI, UPI PIN of the Account would be required at the time of transaction, making your BHIM SBI Pay App safe and secured.
In case I want to disable the VPA, what should I do?
  • You have to login to BHIM SBI Pay app and go main menu and use the De-Register option to de-register the UPI facility.

Sending & Receiving Money

1. What is the upper transaction limit for sending or requesting money using BHIM SBI Pay?
  • For first transaction after setting/resetting UPI PIN maximum amount will be Rs.5,000/- and cumulative amount in a day will be Rs.5,000/- for the first 24 hours.
  • After 24 hours per transaction and per day limit is Rs.1, 00,000/- in BHIM SBI Pay, at present.
  • You can do a maximum number of 10 transactions in 24 hours per account within the Rs.1,00,000/- limit
2. What are the different options for transferring funds using BHIM SBI Pay ?

The different options available for transferring funds using BHIM SBI Pay are :

  • Transfer through VPA/UPI ID

  • Account Number + IFSC

  • Scanning QR Code

3. How can I transfer money?
  • Login to BHIM SBI Pay App
  • Select option ‘Pay’
  • Select any of the payment options like VPA or Account and IFSC or QR Code.
  • Enter other required details
  • Select Debit Account from the linked accounts and Click on ‘Tick’ mark.
  • Enter UPI PIN to authorize transaction.
  • Click on ‘Tick’ mark to complete payment.
4. What is ‘Collect Request’ ?
  • Collect Request is for collecting money from you. If you receive a Collect Request, be mindful that money will be debited/paid from your account.
  • Never ever approve/authorize a ‘Collect’ request from an unknown person.
5. How can I receive money using a Virtual Payment Address?
  • Login to BHIM SBI Pay App
  • Select option ‘Collect’.
  • Enter Virtual Address of the Payer/ Sender
  • Enter other required details
  • Select Credit Account from the linked accounts and Click on ‘Tick’ mark to initiate Collect. Collect Request will be sent to the Payer as SMS and notification.
  • Once Payer approves your Collect request, Money will be credited to your selected account.
6. What is the timeline to approve a collect request by a payer?
  • The timeline to approve a collect request by default is 30 minutes. However, you can set time limit up to 45 days while generating the collect request.
7. How do I respond to a collect request that has been sent to me?
  • You will get a notification when anybody initiates a collect request on you.
  • Click on the notification or Login to BHIM SBI Pay App
  • Click on the notification ‘Bell Button’ at Right Hand Top
  • Select required Collect request from pending items.
  • Click Approve/Reject/SPAM as per your wish.
  • Enter UPI PIN for Approving the request. Money will be debited from your account & sent to beneficiary’s account instantly.
8. What is the difference between Reject & Spam?
  • If you do not want to make the payment of the collect request received you can ‘Reject’ the request.
  • If you are receiving frequent collect request from an unknown person or fraudster you can mark the VPA of the sender as ‘Spam’ instead of ‘Reject’.
  • If 5 UPI users have marked a VPA of the sender of collect request that VPA will be blocked by the UPI system and he would not be able to do any UPI transaction in future. This is to prevent any unwarranted attempts by any person to collect money from another person.
9. Can I transfer money abroad using BHIM SBI Pay?


10.Can I link my NRE/NRO accounts in BHIM SBI Pay?


11. If I have more than one account linked to a Virtual Payment Address, how do I select the account from which I want to send money to a beneficiary?


  • From My Accounts, Set Preferred Account for Transactions so that the default account is displayed in the dropdown during every transaction.
  • User can also select any other debit account during the “Pay” transaction by selecting from the dropdown menu option “Pay From”.
12. How can I track my transaction status?
  • Login to BHIM SBI Pay App
  • Select option ‘History’ to see recent transactions. Transaction status will be displayed as – Pending/Success/Failed/Reject/Expired depending on the type of transaction.
  • Click on the particular transactions to know the details.
  • You can see your transaction from ‘Transaction History’ option also in main menu
13. How can I pay SBI credit card bill payment through SBI Pay?
  • Login to BHIM SBI Pay App
  • Select option ‘Pay’ and then go to Pay to VPA option.
  • Enter VPA as “sbicard.16digit card number@sbi” and search VPA. For example, if your card number is 1234567890123456 enter VPA as sbicard.1234567890123456@sbi
  • Once VPA validated enter the amount to pay and authorize the payment.
14. How can I apply for IPO services through ASBA using BHIM SBI Pay ?
  • You can apply Initial Public Offerings (IPOs) using mandate facility in BHIM SBI Pay.
  • For applying to IPO, you should mention your VPA as a payment option in ASBA application form.
  • The intermediary/broker while lodging IPO application will put your VPA and will create a mandate for the applicable amount. The mandate request will come to your mobile as a notification for execution.
  • Login to BHIM SBI Pay App, go to mandate menu and execute the mandate received for IPO. The required amount will be blocked in your account.


  • If shares allotted to you, the applicable amount will be debited automatically from your account and balance amount blocked, if any, will be released. On non-allotment blocked amount will be released in the account.
  • The limit for IPO application for public issue using UPI is Rs.2 Lakhs per transaction. There is no restriction for you on the number of public issues that can be applied simultaneously using the same UPI ID/ VPA.

Online Shopping/Bill Payments

1. How will I do bill payments/mobile recharge through the App?
  • Users can login to the App by giving their app PIN. After login at lower portion of the home screen you will see various option like Recharge, Food, Bill Payment, Local Offers, DTH, etc. Click on the required service and proceed to do the shopping or payments in easy steps.
2. How will I book Flight, Bus or Hotel through the App ?
  • Login to the App by giving your app PIN. After login at lower portion of the home screen you will see links for Flight, Bus and Hotel among the various links available. Click on the required service and proceed to complete the online booking instantly and confirm by making payment in easy steps.


1. If I have any issue with UPI transactions, how can I raise a complaint?
  • Login to BHIM SBI Pay
  • Click on History to view all recent transactions
  • Select the transaction and Click Raise Dispute button
  • Select Dispute type, enter Remark.
  • Click Submit
  • If there is any other query or complaint you can also write to support.upi@sbi.co.in
2. What if my account is debited but the transaction does not go through?
  • UPI provides for reversal mechanism for technical declines.
  • The amount would be transferred back to your account on T+2 days after the beneficiary bank verifies at their end and advises to the remitter bank.
  • If the amount does not credited back to your account in 2 days, you can raise a dispute for the specific transaction through the App from the menu ‘History’.
3. Can I put a stop payment request for funds transferred by BHIM SBI Pay?
  • No, once the payment is authorised, you cannot stop the transaction.
4. What if I commit a mistake while entering the VPA or Account number or IFSC code?
  • You have to contact the beneficiary through your Bank to get a refund.
  • Give a request to your branch for raising charge back on the beneficiary’s Bank.
  • In this case, recovery of money from the beneficiary will be done purely on ‘Good Faith’ basis by the beneficiary bank on getting debit authority or approval from their customer.
5. Where do I register a complaint with reference to the BHIM SBI Pay transaction?
  • You can raise your grievance or check status of BHIM SBI Pay transaction through the UPI App of the participating banks and also send an email to support.upi@sbi.co.in
  • You can register your complaints and seek clarifications also on the following Toll Free numbers viz. 1800112211 & 18004253800

Disabling/Enabling of UPI services in your accounts

1. Can I disable UPI facility in my account?
  • Yes. In case you did not want to continue to use UPI facility in your account, you can stop the facility by contacting your home branch and giving a written request.

Charges & Rewards

1. What are the charges levied on the customer?
  • Presently, no charges are levied for BHIM SBI Pay transactions. Charges are subject to revision from time to time. Any change in this matter will be published on Bank’s website www.bank.sbi.
  • Available Rewards and offers from the various merchant partners will be shown in screen after login.