BHIM can be used by anyone with a working phone and a bank account linked to that phone number. You can use it to send and receive money directly to bank accounts.
BHIM is free to download, and it’s number one on the Google Play Top Free list.
On Google Play – the Android store for apps – it shows that there are 50-100 downloads, but there is a degree of lag in this list. At the time of writing, there are almost 85,000 reviews of the app, and more than two-thirds are 5-star reviews, giving it full marks; roughly an eighth are one-star.
The app automatically uses your phone number to identify and link your bank – if you want to use a different account, you can change this manually as well. Only one account can be linked to the app at a time.If the shopkeeper uses the BHIM app too, just open the app on your phone, choose “send money”, and type in the amount and the merchant’s phone number to make the payment. The money will be debited from your account, and credited to the merchant’s bank account.
The app also allows you to scan a QR code. The merchant can generate his QR code through the BHIM app. To pay him, you’d need to tap the Scan and Pay button in the app, and then scan the QR code.
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.
To start using the app for the first time, you need to verify it once using an OTP. Some users have reported issues in getting this OTP, and others have reported freezes with the app. In our experience, the app was easy to set up and use.
We tried using the app multiple times. It worked fine on every try but one, when it would not launch or start at all. Rebooting the phone did not fix this problem either – we had to remove the app and install it again to get it to work. This kind of issue could be a huge problem when trying to make a payment on the go.
There is a Rs. 10,000 per transaction limit and Rs. 20,000 per day for BHIM. For larger transactions, you will still have to use a credit or debit card, or IFSC or another form of net banking.
