Union Bank of India has collaborated with BHIM App to allow its customers to directly transfer funds from one bank account to another. Although this service is already available via IMPS, NEFT, etc. but with “BHIM Union Bank Pay”, customers do not need to exchange their account details while transferring. Also, this service is available 24×7 and has a higher upper limit of Rs. 1 lakh per day.

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Steps to Register at the Union Bank UPI App
Step 1: Create a Profile
- Open the Google Play Store on your Android devices
- Search for “Union Bank UPI”
- Download the application from the first link that appears in the search results
- Before the download starts, you might be asked to select a sim (if you have a dual-sim phone). In such a case, select the sim whose number is registered with your bank
- After downloading, you’ll receive a message to verify the number
- Once the verification is successful, you can create your profile as directed
Step 2: Add Bank Account Details
- In the app, go to the “Add Account” option
- From the list of banks, select the bank with which you have an account
- If the mobile number registered with the UPI mobile app and the selected bank is same, then you will be able to view all your account(s) that are with the bank
- Select the account, which you want to link with the UPI app
- Create Virtual ID for the account, which later, you can share with others to get money
Step 3: Set PIN for the Bank Account(s)
Once your bank account is linked with the mobile application, you also need to set PIN for the selected account. To do so:
- In the app, go to the “Set MPIN” option
- Select the account for which you want to set the PIN
- Enter the OTP (one-time password), which you will get on your mobile number
- Set the PIN and confirm it
- Enter the expiry date and the last six digits of the debit card linked with the account
- Once the verification is successful, you will receive a “PIN Created successfully” message on your application and device

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How to Send and Receive/Request Money - BHIM Union Bank Pay
- To Send Money
- In the app, go to the “Pay” option
- Select the account from which you want to send money
- If you have the fund receiver’s virtual ID, select the “Virtual Address” option else select the “Payee address type” option
- Enter the beneficiary’s virtual address
- Enter the amount that is needs to be transferred
- If you want to register the beneficiary, do so by selecting the “participant” option
- Enter the PIN number and submit and verify the details
- Check the transaction status from the “Txn Status” menu
- To Collect Money
- In the app, go to the “Collect” option
- Select the account in which you want the money to be deposited
- Enter the virtual address of the person from whom you want to request money
- Submit and verify the entered details
- Check the transaction status from the “Txn Status” menu
- Once your transaction is approved, you’ll receive a notification or SMS from the bank

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Features of Union Bank of India – BHIM UPI
The following are the features of BHIM Union Bank Pay app:
- Quick transfer of money to/from any bank account
- No need to share bank account details
- No need to add beneficiary to transfer funds using Virtual Address
- Up to Rs. 1 lakh can be transferred in a day
- Account from any bank can be added
- Fund transfer can be done instantly at any time of the day, weekends included
- This app is available free of charges
- Payment reminders can be set for phone bills, electricity bills and more
Frequently Asked Questions (FAQs)
Does Union Bank UPI work like IMPS/NEFT/RTGS?
No. UPI is much simpler as compared to NEFT, IMPS or TRGS. There is no need to add beneficiaries to transfer. The only thing you require is the receiver’s Virtual Address. Also, transfers in UPI are instant and can be performed 24×7.
How fast can I send or receive money over the Union Bank UPI App?
Money is transferred in seconds using the Union Bank UPI. This app is built in collaboration with BHIM.
Are there charges involved to use the UPI App?
No. There are no charges involved to use the UPI app. However, some charges might be introduced in future. However, these will be highly affordable and should fall within Rs. 0.50 – Rs. 1 per transaction.
Can I use UPI app out of India?
Funds can be transferred to any UPI address which is linked to a mobile and account number registered in India.
Is the Union Bank UPI Pay available in iOS versions?
The UPI mobile app is compatible with all Android phones that have Android 4.0 or above operating systems. Currently, the app is not available for the iOS.
What is a Virtual ID?
Virtual ID is a unique ID generated for your account. Just like an email ID, Virtual ID is the address where money is transferred via UPI.
Can I add multiple bank accounts to one Virtual ID?
Yes, you can create multiple virtual ids for same account.
What is a “Time- or Amount-bound limit” in the Virtual Address Creation?
The “Time – or Amount-bound limit” is set when you make a request to receive money. This time can range between 5 minutes to 24 hours. The other person can accept the request within the set time-frame.
To set PIN, is it necessary to have a debit card?
Yes. To set the PIN on your UPI app, it is necessary for the users to have a debit card.