BHIM SBI Pay

Unified Payments Interface (UPI) is a payment system where you can transfer funds between two bank accounts through your mobile phone. You do not need to enter complete account details of the beneficiary. You can just enter their registered mobile number, Aadhaar number or Virtual Payment Address (VPA) to transfer funds.

SBI has launched its UPI app by the name ‘BHIM SBI Pay’. One can use this app to transfer funds and make bill payments instantly. ‘BHIM SBI Pay’ app can be used by non-SBI account holders as well. The only condition is that you need to have at least one bank account and your mobile number has to be linked to that account. The debit card should also be linked to the bank account.

Below-mentioned are the features of BHIM SBI Pay app:

• Flexibility of making payments at convenience 24×7 on all days of the year
• Funds can be transferred just by knowing VPA of the receiver
• Facility to make online bill payments, recharges, shopping, etc. through smartphone

The receiver does not need to disclose his/her account number, IFSC code or any other banking details

Once you have downloaded the app on your smartphone, you need to do a one-time registration. Prior to registration, you should have an active bank account that is linked with your Aadhaar and the same mobile number should be registered with the bank. Follow the steps mentioned below to register and make your account in BHIM SBI Pay:

How to Download SBI Pay

Follow the steps mentioned below to download SBI Pay:

Step 1: Go to Google Play Store or App Store

Step 2: Search for SBI Pay App

Step 3: Click on it and install the App

BHIM SBI Pay Registration

To register SBI Pay, follow the steps mentioned below:

Step 1: Launch the app once downloaded

Step 2: SMS-based mobile verification will be carried out upon start-up

Step 3: Choose a preferred VPA

Step 4: Enter name and email ID

Step 5: You need to answer the security question

Step 6: Confirm details and click on the ‘Next’ button. The details will be submitted to the UPI server for registration after verification of details.

Step 7: Proceed to select the bank account and click on the ‘Register’ button

VPA Creation in BHIM SBI Pay

In order to create a VPA, you need to first add a bank account. So keep the bank details handy for you to use.

• Just as you have an email ID for emails to be sent or a bank account number for funds to be sent, you also have VPA for you to send funds when using the UPI app
• Create a Virtual Payment Address (VPA) with the suffix ‘@SBI’
• It can be a combination of alphabets or digits or both
• It can be your phone number, email address or name
• Just as you decide on your email ID, you will also need to check the availability of the VPA handle before setting the same
• During the VPA registration, you will be asked to provide details like name, email address, security questions, bank account and you should also read through the terms and conditions section
• Ensure that you click on the terms and conditions page to proceed further
• Check your account number and click on register
• Your UPI set up is complete. You can now simply use the VPA instead of your bank details to get or transfer money

How to Set MPIN on BHIM SBI Pay

Once your registration is complete, you will need an MPIN to make a payment. You can set the MPIN using your debit card details.

Step1: Log in to the SBI UPI app and go to the management page

Step 2: Select the account for which you want to set mPIN

Step 3: Type the last 6 digits of your debit card and feed in the expiry date

Step 4: You will get an OTP on your registered mobile number

Step 5: Enter the OTP in the box and then create an mPIN

How to Transfer Funds using the SBI UPI App

It is very simple to transfer funds using the SBI app. Here are the steps that you need to follow:

Step 1: Open the UPI app and enter the 6-digit login password

Step 2: Click on the ‘payment’ section

Step 3: Select the account from the list of drop-down available. Remember you can use this app to transfer funds from multiple accounts

Step 4: Select the payee. You can either type the VPA or the bank details. In case you are typing the bank details, then ensure that you have all the requisite details like IFSC code, bank account number, branch name and address

Step 5: In case you feed in the VPA, the app will also show the actual name of the person for cross verification

Step 6: Enter amount and remarks and click on pay

Step 7: On the next page, enter the mPIN

Step 8: If the MPIN is correct, funds will be transferred

It is very easy and simple and can be done anywhere at any time. Almost all UPI apps have a similar mechanism.

How to Collect Money using BHIM SBI Pay App

You can also request money from someone using the SBI UPI app. It is a unique feature available with UPI apps. The only thing that you need to share with them is your VPA which the sender can use to transfer the funds into your SBI savings account.

Step 1: Set a bank account as default receiver so that all funds credited to the BHIM SBI PAY is credited into that account

Step 2: For the collection of funds, you need to log on to the App and click on the Collect tab

Step 3: You can feed in the VPA of the person from whom you want to request money after using the MPIN and enter amount and remarks (if any)

Step 4: Once the request is accepted by the sender you will get a notification

Step 5: You can also put a time limit on the transaction in terms of hours and days to ease tracking of the same

How to Shop using SBI UPI App

• This is as simple as sending money. You can now ask the vendor or shopkeeper to help you with his VPA so that you can transfer funds directly into his account
• This is a seamless form of transaction that will actually help you make an instant transfer
• When shopping online, you can make the payment easily as many portals accept VPA payments these days
• SBI UPI App is easy to use and can be used by anyone at any place

Daily transaction limit through SBI UPI is Rs. 1,00,000. Accountholders can transfer Rs. 1 lakh in one transaction or multiple transactions as well. One can do a maximum of 20 transactions within 24 hours. However, if the accountholder uses third-party UPI apps, he may be able to do only 10 transactions in 24 hours.

Currently, SBI does not levy any charges on UPI transactions. This facility is free of cost.

Customers can follow the below-mentioned steps to reset their SBI UPI in case they have forgotten their SBI UPI PIN. It is to be noted that customers will require debit card details to reset their SBI UPI PIN. Also, customers can follow the steps mentioned below to change their SBI UPI PIN:

Step 1: Login to SBI YONO app and enter your User ID

Step 2: You will be directed to YONO App’s dashboard

Step 3: Tap on YONO Pay and choose the option ‘BHIM UPI’

Step 4: You will be taken to another BHIM UPI dashboard in the app, there click on ‘Manage’ option

Step 5: In this step, you will see the linked to for your UPI transactions, tap on that account

Step 6: As soon as you tap, you will see options to reset PIN, change PIN and view balance

Step 7: Click on ‘Reset PIN’. As you tap, you will see your card details on the screen

Step 8: Enter your debit card details as asked and click on ‘Next’

Step 9: you will receive an OTP on your registered mobile number, enter the OTP, set your UPI PIN of 6-digits, and submit the request

Step 10: Re-enter the UPI PIN that you have created and tap on  “OK”

Step 11: A message confirming “Your UPI PIN has been set” will appear on your screen.

Customers shall follow this process if they want to change their existing SBI UPI PIN to a new UPI PIN:

Step 1: Go to ‘Manage UPI’ dashboard in your SBI mobile banking app and tap on your account

Step 2: Out of the provided options, choose “Change PIN”

Step 3: You will be directed to the next page where you will have to input your current UPI PIN and new UPI PIN that you want to change to. Re-enter the set UPI PIN to confirm and tap on “OK”

Step 4: At this step, your SBI UPI PIN will be changed and a message confirming the change in your UPI PIN will appear on your screen

To create UPI ID in SBI YONO App, customers can follow the below-mentioned steps:

Step 1: Login to your SBI YONO App and tap on YONO Pay on the dashboard

Step 2: Click on BHIM UPI and proceed further and a new page will appear on your screen

Step 3: Click on ‘Create/Retrieve UPI Profile. Here you can create your new UPI ID

Step 4: On the next page, select the number that is registered with your bank account. As soon as you select your registered mobile number, an OTP will be sent to you for verification

Step 5: A new page will appear on your screen with a list of banks active on UPI, select the bank where you have your account (Users can also create their UPI ID of other bank account on SBI YONO app)

Step 6: Select ‘State Bank of India’ out of all the options provided. You will be directed to a new page where you will be asked to create your SBI UPI ID or you can also choose from the suggested UPI IDs on the page

Step 7: Select a security question and provide an answer of the same. Select your primary account for UPI ID if you have multiple accounts with the bank and click on ‘Next’

Step 8: As you click ‘Next’, your SBI UPI ID will be created and you will receive a message that will state that you have successfully created your UPI ID

As per the bank, the limit of doing UPI transactions in a day is Rs. 1,00,000. However, customers can modify the limit as they want. The below-mentioned process explains how to set SBI UPI limit in SBI YONO app:

Step 1: Login to SBI YONO app and click on UPI option on the dashboard

Step 2: Tap on set UPI transaction limit on the next page

Step 3: Add new UPI transaction limit and confirm the new UPI transaction limit that you have seeded

Step 4: Click on ‘Submit’ and on the next page click on ‘Confirm’

Step 5: You will receive an OTP on your registered mobile number, enter the OTP and click on ‘Submit’

Step 6: Your UPI transaction limit request will be set successfully

Q. Can I link my mobile wallet to BHIM SBI Pay?

Ans. No, you cannot link your mobile wallet to BHIM SBI Pay. Only bank accounts can be linked to the same.

Q. Can I use BHIM SBI Pay on my Android?

Ans. Yes, the UPI app of SBI is available for Android as well as iOS platforms.

Q. How can I file a complaint in case of any dispute in a transaction?

Ans. Follow the steps mentioned below to file a complaint in case of any dispute in a transaction:

Step 1: You need to log in to the SBI Pay App

Step 2: Go to ‘My UPI Transactions’ section

Step 3: Tap on the ‘Raise Query’ option

Step 4: Choose the type query. Once done, enter the remark

Step 5: Verify details and click on the ‘Submit’ button

Q. What are the various channels that can be used to transfer money through BHIM SBI Pay?

Ans. Following are the various channels that can be used to transfer money through BHIM SBI Pay:

• VPA
• Account number and IFSC code
• Collect or pull-based on virtual ID

Q. Can I transfer funds to foreign countries using SBI Pay App?

Ans. No, as of now, you cannot transfer funds to foreign countries using SBI Pay App.

Q. Can an individual holding a bank account with another bank use SBI Pay?

Ans. Yes, an individual holding a bank account with another bank can use BHIM SBI Pay app as well.

Q. What is the SBI UPI customer care number?

Ans. One can contact the SBI customer care to raise an issue related to UPI transactions. These toll-free numbers are 1800 1234, 1800 11 2211, 1800 425 3800,1800 2100 or 080-26599990 (paid). Know more about SBI Customer Care.

Q. Can I use more than one UPI App on the same mobile?

Ans. Yes, you can use more than one UPI applications on your mobile phone and link the same as well as different accounts in both the UPI apps.

Q. What happens when my BHIM SBI Pay transaction limit is reached?

Ans. Once you reach your BHIM SBI Pay transaction limit, you will have to wait for 24 hours to transact again.

Q. What is SBI BHIM Aadhaar Pay?

Ans. BHIM Aadhaar SBI is a payment solution that lets merchants accept payments using customer’s Aadhaar-linked bank accounts.

BHIM-Aadhaar-SBI helps individuals in accepting payments seamlessly from customers having bank account linked with Aadhaar just by using an Android smartphone and fingerprint reader for authentication.

Q. How to check SBI UPI ID in YONO app?

Ans. Open SBI YONO app > Login with MPIN > Click on YONO Pay on the dashboard > Click on BHIM UPI > Click on Generate QR > UPI ID will appear on the next screen