BHIM UPI Registration & Steps To Register To Transfer Funds Instantly With UPI

By Mayashree Acharya

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Updated on: Sep 10th, 2025

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4 min read

With the BHIM UPI app, you can send funds instantly and pay bills at no extra cost from your smartphone. You don’t have to know the recipient’s account number or IFSC to make the money transfer. You just have to know their UPI ID and complete the UPI registration.

Additionally, you can request money if a payment from someone is pending. Here’s everything you need to know about BHIM UPI registration process to send and request money through the app.

What is the BHIM App?

Bharat Interface for Money (BHIM), a payment app, lets you make simple, easy, and quick payments using the Unified Payments Interface (UPI) technology. Direct bank payments can be made to anyone on UPI using their UPI ID and password. One can also scan the QR code with the BHIM app to make payments.

There are many other UPI-enabled apps such as PhonePe, Paytm, Mobikwik, Airtel Payments Bank, Google Pay, iMobile, Axis Pay, SBI Pay, and BOB UPI.

How to Register on a UPI-Enabled App?

Registering your mobile number and bank account with a UPI-enabled app can be achieved by following simple steps. You can choose the method that is most convenient for you.

Method 1: Through the App

Step 1: Download the BHIM app or any other UPI payment app on your smartphone and install it.

Step 2: When you open the app, you will be asked to select the preferred language from the list.

Step 3: Click the ‘Proceed’ button and allow the app to access your SMS, calls, and location.

Step 4: The app will automatically send an SMS from your mobile number to its platform in order to verify your mobile number.

Step 5: After verifying your mobile number, you will be prompted to select a bank name from the list.

Step 6: The app will fetch the linked bank account details, including the account number, IFSC code, and bank name. If you have multiple accounts linked to the same mobile number, you may select the number you wish to link to the app.

Step 7: Set a UPI ID and a 6-digit or 4-digit PIN in order to authorise your transactions and keep them safe and secure. Now, you're all set.

Method 2: Call *99#

Step 1: Dial *99# on your phone and press the call button.

Step 2: Select the preferred language from the list.

Step 3: Enter your bank’s name or the first four letters of your IFSC.

Step 4: Select your bank account.

Step 5: Enter the last 6 digits of your debit card and expiry date.

Step 6: Enter your 6-digit UPI PIN. Choose a UPI PIN that you can easily remember.

Step 7: Re-enter your 6-digit UPI PIN for confirmation.

Step 8: Your UPI PIN is now set.

How to Send Money via BHIM UPI?

Step 1: Log in to your UPI-enabled app.

Step 2: Select the ‘Send’ option.

Step 3: Enter the payee’s Virtual Payment Address (VPA) and click on ‘Verify’ to check if the VPA entered is valid.

Step 4: Key in the amount to be transferred and remarks if any. Click ‘Confirm’. If you have multiple accounts linked to the mobile number, choose the account from which funds must be debited.

Step 5: All the details you have entered will be displayed for verification. Check the details and click ‘Send’ if the details are correct.

Step 6: Enter the UPI PIN to authorise the transaction.

Step 7: Upon selecting the ‘Submit’ option, the transaction will be initiated.

How to Request Money via BHIM UPI?

Step 1: Log in to your UPI-enabled app.

Step 2: Select the ‘Request Money’ option.

Step 3: Enter the payer’s VPA and click on ‘Verify’ to check if it is valid.

Step 4: Enter the amount you want to request from the payer and remarks if any. You can set a date until which the request will be valid. Click ‘Request’. The request will reach the payer in the form of a notification.

Step 5: If the payer accepts the request within the specified validity date, he/she will be prompted to enter the UPI PIN to complete the money transfer transaction.

Step 6: When the payer keys in the correct UPI PIN, the requested amount will be debited from the payer’s account and gets instantly credited to the requester’s account.

Step 7: Both parties will receive a confirmation about the transaction in the form of notifications.

Merchants Allowing UPI Payment

Some of the merchants that allow UPI payments are given below:

  • AbhiBus
  • Bewakoof.com
  • BookMyShow
  • CCD
  • Chillr
  • Decathlon Sports India
  • Exide Life Insurance Company
  • Flipkart
  • Goli VadaPav
  • Hathway
  • Idea Cellular
  • Jet Airways
  • LIC
  • Myntra
  • New India Assurance
  • Ola Cabs
  • Purvanchal Vidyut Vitran Nigam Ltd
  • RedBus
  • SBI Life Insurance
  • Uber India

UPI Banking Partners

Though several banks have partnered to support UPI payments, here is a list of a few significant ones:

  • Axis Bank
  • Bank of Baroda
  • Canara Bank
  • Citi Bank
  • Dena Bank
  • Federal Bank
  • HDFC Bank
  • HSBC Bank
  • ICICI Bank
  • IDFC Bank
  • Kaveri Grameen Bank
  • Karnataka Bank
  • Punjab National Bank
  • State Bank of India
  • UCO Bank
  • Vijaya Bank

Conclusion

The BHIM app and other UPI-enabled platforms offer a seamless and secure way to manage your money, whether you're sending funds, paying bills, or even requesting payments. With simple UPI registration process and widespread merchant and banking partnerships, UPI technology has revolutionized digital transactions, making them instant and accessible to everyone.

Related Articles:

What is UPI?
FAQs on UPI Payments
UPI – Services Available for Consumers
Virtual Payment Address (VPA)

About the Author
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Mayashree Acharya

Senior Content Writer
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I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

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