About the product BHIM SBI Pay?

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.

How is UPI different from IMPS?

IMPS facilitates 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.

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.

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.

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

BHIM SBI Pay is available on Android and iOS phones.

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

How I will install the BHIM SBI Pay?
  • Go to Google Playstore/ 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 mobile number with your bank account.

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 before remitting funds using UPI.

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.

  • User is now a Merchant.

Creation of VPA(Virtual Payment Address)

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 based on VPA instead of account.

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 following information a. Preferred Virtual Address b. First Name c. Last Name d. Email e. Security Question f. Security Answer g. Bank Name (where the customer holds the account)

  • On completion of above details, click on “Next” button and BHIM SBI Pay App submits the above details to UPI Engine for registration. Select Account and Click Register

Can I link more than one account to a single virtual payment address?

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

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.

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.

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 accounts.

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 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

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/ Aadhaar Number/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.

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.

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.

PIN Management & Security

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, which can be used for recovering the App PIN in case you forget.

  • Accept the terms and conditions by clicking the tick mark.

What happens if I forget my UPI pin?
  • In case you forgets the UPI PIN of an Account, you needs to re-generate new PIN under Account Management

  • If you forgets the BHIM SBI Pay login PIN then you can choose the “Forgot password” option provided in the login screen, enter the email id and answer the secret question to reset your login password.

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.

What happens if my mobile phone is lost?
  • In case of mobile loss, you needs to simply block your mobile number.

  • No transaction can be initiated without knowing the 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 device, the user has to re-register.

  • Never share your App PIN or UPI PIN with anyone.

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.

  • 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 changes 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.

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.

  • In any transaction through UPI, UPI PIN of the Account would be required which needs to be fed through the mobile at the time of transaction, making your BHIM SBI Pay safe and secured.

Sending & Receiving Money

What is the upper transaction limit for sending or requesting money using BHIM SBI Pay?
  • Per transaction and per day limit is Rs.1, 00,000/- in BHIM SBI Pay, at present.

  • You can do a maximum number of 20 transactions per day within the Rs.1,00,000/- limit.

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

  • Account Number + IFSC

  • Through Aadhaar Number

  • Scanning QR Code

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 Aadhaar Number ( Provided the Aadhaar is linked to Payee's Bank Account) 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.

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

  • Money will be credited to your selected account, as and when Payer approve you Collect request.

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.

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 as per your wish.

  • Enter UPI PIN for Approving the request.

Can I transfer money abroad using BHIM SBI Pay?


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


How can I change my Default A/c?
  • Login to BHIM SBI Pay App

  • Select option Account Management

  • Select Account from linked accounts available.

  • Click Set ‘As Default Account’ button to set the selected account as default account.

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 Account Management, 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.

How can I track my transaction status?
  • Login to BHIM SBI Pay App

  • Select option ‘History’ to see recent transactions.

  • Click on the particular transactions to know the details.

Online Shopping/Bill Payments

Whether I can make online shopping, bill payments, mobile recharge, etc through BHIM SBI Pay?
  • Yes. you can do online shopping, bill payments, mobile recharge and various other e-commerce activities through the App.

  • Users can avail various offers and benefits, which are offered by merchants and shops by shopping through BHIM SBI Pay.

How will I do bill payments/mobile recharge through the App?
  • Users can login to the App by giving there app PIN. After login at lower portion of the 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.


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 in 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

What if my account is debited but the transaction does not go through?
  • Raise a dispute through the App.

  • 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.

Can I put a stop payment request for funds transferred by BHIM SBI Pay?
  • No, once the payment is initiated, you cannot stop the transaction.

  • You have to contact the beneficiary through your Bank to get a refund.

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

  • You can register your complaints and seek clarifications also on the following Toll Free numbers viz. 1800112211 & 18004253800

Charges & Rewards

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 in our official website.

  • Available Rewards and offers from the various merchant partners will be shown in screen after login.