BHIM SBI Pay is State Bank of India’s UPI app, built on the BHIM (Bharat Interface for Money) platform by NPCI. It allows SBI customers to send and receive money instantly using UPI, directly from their bank account.
This guide explains what BHIM SBI Pay is, how to register, login, use features, and solve common issues in simple language.
Quick Summary – BHIM SBI Pay
- App name: BHIM SBI Pay
- Bank: State Bank of India (SBI)
- Type: UPI-based payment app
- Availability: 24×7
- Cost: Free
- Platforms: Android & iOS
What Is BHIM SBI Pay?
BHIM SBI Pay is a UPI app exclusively for SBI customers. It lets you transfer money using:
- Mobile number
- UPI ID
- QR code
Unlike YONO SBI, BHIM SBI Pay is focused only on UPI payments.
What You Can Do with BHIM SBI Pay
Using BHIM SBI Pay, you can:
- Send & receive money instantly via UPI
- Pay merchants using QR code
- Check bank balance
- View UPI transaction history
- Generate your own UPI QR code
- Link multiple SBI accounts (if available)
How to Register on BHIM SBI Pay (Step-by-Step)
You can register only if your mobile number is linked with your SBI account.
Registration Steps
- Download BHIM SBI Pay app
- Open the app and select your SIM/mobile number
- Verify mobile number (SMS verification)
- Choose your SBI bank account
- Set your UPI PIN using:
- Debit card details, or
- Existing UPI PIN
- Registration completed
How to Login to BHIM SBI Pay
- Open the app
- Enter your UPI PIN or app lock PIN
- Access the home screen
(Some phones also support fingerprint login.)
How to Send Money Using BHIM SBI Pay
- Open the app
- Tap Send Money
- Choose:
- UPI ID / Mobile number / QR scan
- Enter amount
- Enter UPI PIN
- Payment successful instantly
BHIM SBI Pay vs YONO SBI (Quick Comparison)
| Feature | BHIM SBI Pay | YONO SBI |
|---|---|---|
| Purpose | UPI payments only | Full mobile banking |
| UPI | Yes | Yes |
| Net banking features | No | Yes |
| Best for | Quick UPI payments | Complete SBI banking |
Common BHIM SBI Pay Problems & Solutions
1. App Not Working / Crashing
- Update the app
- Clear cache
- Restart phone
2. UPI PIN Not Working
- Reset UPI PIN using debit card
- Ensure correct PIN
3. Transaction Failed
- Amount usually auto-reversed
- Check transaction status
- Retry after some time
BHIM SBI Pay Security Tips
- Never share your UPI PIN
- Lock your phone with PIN/biometrics
- Use official app stores only
- Do not approve unknown collect requests
BHIM SBI Pay FAQs
Is BHIM SBI Pay different from BHIM app?
A. Yes. BHIM SBI Pay is SBI-specific, while BHIM app works with many banks.
Can I use BHIM SBI Pay without YONO SBI?
A. Yes, YONO SBI is not required.
Is BHIM SBI Pay safe?
A. Yes, it uses UPI security standards with PIN-based authorisation.
Can I use BHIM SBI Pay on two phones?
A. Usually only one device is allowed per mobile number.
Conclusion
BHIM SBI Pay is a simple and secure UPI app for SBI customers who want fast, no-frills digital payments. For full banking needs, YONO SBI is better—but for pure UPI, BHIM SBI Pay works perfectly.
