SBI UPI Setup: BHIM SBI Pay Registration Guide
How to Set Up SBI UPI with BHIM SBI Pay
BHIM SBI Pay is State Bank of India’s official UPI app, available on Android and iOS. You can set up SBI UPI in under 5 minutes using your SBI debit card details and registered mobile number. Once active, you can send and receive money instantly, pay bills, and shop online using your VPA (Virtual Payment Address).
Prerequisites Before You Start
- SBI savings or current account
- Mobile number registered with SBI
- SBI debit card (for initial UPI PIN setup)
- Smartphone with Android 5.0+ or iOS 12+
Step-by-Step: Setting Up SBI UPI on BHIM SBI Pay
- Download BHIM SBI Pay from Google Play Store or Apple App Store.
- Open the app and select your preferred language.
- Grant necessary permissions (SMS, contacts).
- Enter your SBI-registered mobile number; an OTP is sent for verification.
- The app auto-detects your SIM; select the SIM linked to your SBI account.
- A verification SMS is sent to authenticate your number — no manual entry needed.
- Set a 6-digit app passcode.
- Tap Add Bank Account, select State Bank of India.
- Your linked SBI accounts will appear; select the account you want.
- Tap Set UPI PIN and enter your debit card’s last 6 digits and expiry date.
- Enter the OTP sent to your registered mobile number.
- Create a 6-digit UPI PIN and confirm it.
- Your UPI ID (VPA) is created in the format mobilenumber@sbi.
SBI UPI Transaction Limits
| Transaction Type | Limit |
|---|---|
| Per transaction | Rs. 1,00,000 |
| Daily limit (NPCI default) | Rs. 1,00,000 |
| Transactions per day | Up to 20 |
Setting Up SBI UPI via YONO SBI
SBI customers can also set up and manage UPI directly within the YONO SBI app under the UPI section. The setup steps are similar — link your account and create a UPI PIN using your debit card details.
Key Takeaways
- BHIM SBI Pay is the dedicated SBI UPI app; YONO SBI also supports UPI.
- Your UPI ID format is mobilenumber@sbi by default.
- UPI PIN setup requires debit card last 6 digits, expiry, and OTP.
- Default UPI transaction limit is Rs. 1 lakh per transaction and per day.
- UPI is available 24×7 including bank holidays, powered by NPCI.
Frequently Asked Questions
What is BHIM SBI Pay?
BHIM SBI Pay is the official UPI-based payment app from State Bank of India, built on the NPCI UPI platform. It allows instant money transfers, bill payments, and merchant payments.
Can I use SBI UPI without a debit card?
No, an SBI debit card is required to set the UPI PIN initially. Once the PIN is set, you do not need the card for future transactions.
How do I change my SBI UPI PIN?
Open BHIM SBI Pay, go to Manage Accounts, select your account, and tap Change UPI PIN. You will need OTP verification.
Is BHIM SBI Pay safe?
Yes. BHIM SBI Pay is secured with a 6-digit UPI PIN, app passcode, and end-to-end encryption. NPCI and RBI regulate all UPI transactions in India.
What if my SBI UPI transaction fails but money is deducted?
Failed UPI transactions are auto-reversed within 48 to 72 hours. If not reversed, raise a dispute in BHIM SBI Pay under Raise Complaint or contact SBI at 1800-11-2211.
