Central Bank of India UPI – Registration, Limit, Send/Receive Money

Central Bank of India offers BHIM Cent UPI app to the customers of Central Bank of India to access UPI services. Customers can manage their UPI account from this application easily. The application allows you to link multiple bank accounts at one place. The application can be used to perform all transactions needs of customers ranging from sending money, making online purchases, bill payments to receiving money. All the transactions can be done using a VPA (Virtual Payment Address).

BHIM Cent UPI can be accessed globally in countries like UAE, Nepal, Bhutan, and Singapore. Customers of Central Bank of India traveling to these countries can make UPI payments just by scanning the UPI QR code of the merchant.

Central Bank of India provides BHIM Cent UPI app which is dedicated for the use of UPI. Let us know about the features offered by this application:

• Option to send money using VPA, account number + IFSC, mobile number and MMID
• Generate or change MPIN
• Set UPI PIN
• Manage payee, check balance, know transactions status, raise complaints, collect money, etc.
• Optimal security
• The facility is free of cost
• Can be accessed globally in all countries where UPI is functional

Type of Transaction	Transaction Limit
Daily transaction limit	Rs. 1,00,000
Per transaction limit	Rs. 1,00,000
International limit per transaction	Rs. 10,000
Total number of transactions allowed in a day through BHIM Cent	20
Total number of transactions allowed across all UPI apps	10
International spending limit per day	Rs. 25,000
IPO limit	Rs. 5,00,000
For categories like Capital Markets, Collections, Insurance, Foreign Inward Remittances	Rs. 2,00,000

Central Bank of India savings account holders and other bank accountholders can transfer funds using the app. Following steps explain how to register on BHIM Cent UPI app:

Step 1: Download and install BHIM Cent UPI from Google Play Store or Apple Store.

Step 2: Open the app and verify your registered mobile number.

Step 3: Read terms of use and tap on ‘Accept’. Your number will be verified.

Step 4: Enter the required user information and tap on ‘Submit’.

Step 5: Set application password and confirm your application password on the next screen.

Step 6: Add your payment address, select your bank account, and tap on ‘Next’ to proceed.

Step 7: Enter last 6-digits of your debit card, expiry date, year and tap on ‘Submit’.

Step 8: Enter the OTP received on your registered mobile number and set MPIN for transactions. Tap on ‘Submit’.

Step 9: Your UPI ID will be created successfully.

BHIM Cent UPI app offers various options to send money. However, we have discussed how one can send money using the UPI ID of the payee. It is to be noted that to instantly send money to the merchant, the customer can send by scanning the UPI QR code of the merchant.

Step 1: Log in to the BHIM Cent UPI app by entering your application passcode.

Step 2: On the home screen, tap on ‘Send’ option.

Step 3: Select your UPI ID and mode of payment.

Step 4: If you select mode of payment as ‘UPI ID’, you need to add payee’s UPI ID and the amount that needs to be sent. Tap on ‘Verify’.

Step 5: On the next page, check all the details and tap on ‘Transfer’ to send money.

Step 6: Enter your UPI PIN. The amount will be successfully sent to the payee’s account.

Step 1: Log in to the BHIM Cent UPI app and tap on ‘Receive’ option on the home screen.

Step 2: On the next page, enter details of the payer, the amount to be requested, and validity of the collect request. Tap on ‘Request’.

Step 3: Your transaction to collect money will be sent successfully to the payer.

Once the payer approves the request, money will be debited from the payer’s bank account and credited to your default bank account.

• For technical issues regarding UPI, customers can call on 1800 22 1911or can drop an email at upisupport@centralbank.co.in.
• For reversal/failed transactions, customers can call on 022-61648613or can drop an email at smtbk2@centralbank.co.in.

Also Read: Central Bank of India Customer Care

Q. Do I need to register for making UPI transactions?

Ans. Yes, before making transactions, you need to register on UPI and link your bank accounts.

Q. Can I transfer money abroad using UPI in Central Bank of India?

Ans. Currently, the bank allows only domestic transactions.

Q. Is it possible to stop UPI transaction once initiated?

Ans. No. Once your initiate UPI transaction, it cannot be stopped because settlement is done in real-time.

Q. While doing a UPI transaction, my account was debited but the transaction failed, what should I do?

Ans. If your account has been debited and the transaction has been failed, the amount will be refunded to your account in a few minutes. In case of further issues, you can lodge a complaint with the bank.

Q. Is it possible to keep more than one Virtual Payment Address for an account in Central Bank of India?

Ans. Yes. For a given account, you can keep up to ten virtual addresses in Central Bank of India.