The wait is over, National Payment Corporation of India (NPCI) has officially released the Bharat Interface for Money (BHIM) mobile app for Apple iOS devices. The unified UPI Mobile app lets you make easy and quick money transactions using Unified Payment Interface (UPI) via your mobile phone. If you got an Apple device like iPhone, iPad and iPod touch running iOS 8.0 or later then you can download the BHIM app from Apple Store [itunes.apple.com].
Developed by the National Payment Corporation of India (NPCI), the BHIM app supports every other UPI applications and bank accounts. Currently BHIM iOS version support around over 35 banks including SBI, HDFC Bank, ICICI Bank, and Canara Bank. Support for rest of the banks operating in India will be added soon in the coming months. To feel more comfortable to the Indian public the BHIM app comes with Hindi and English language support. NPCI plans to add more regional language support to the app in the coming week.
The iOS version of the BHIM app works in the same manner as the counterpart Android version. On the first run, the app will ask to set your preferred language, verify your device and register your mobile number. The app will then send an SMS from your mobile (one-time SMS charges as per your mobile plan) for verification. Once registered and verified you will be asked to set a four-digit passcode to secure the app.
Once logged in the app you can register your bank account and set a UPI PIN for the bank account. By default, your mobile number will be the primary virtual payment address (VPA), like 9876543210@upi. If you are looking for something more personal, you can customise the VPA to your needs like using your nickname rahul@upi (only alphabets and numbers are allowed). You can also add more than one bank account and quickly switch between them. Do note that any money that is transferred to your mobile number or payment address will be credited to your default bank account.
Once you have the VPA you can start sending money to or receive money from friends, family and customers. Money can also be sent to an unregistered user using the Account number and IFSC. Apart from sending money, you can also request money through BHIM app. Once you enter the users VPA address, he/she will receive a notification to authenticate the transaction. You can also share a QR code for faster entry of payment addresses. This will appeal more to small shops and merchants who can easily print their QR Code for display in front of their shop and go completely cashless.
BHIM App for Apple iOS devices
- Use BHIM app to send and receive money.
- Your virtual payment address or mobile number will act as the unique ID to transfer and receive money.
- Can check bank balance and all transactions details on the go.
- Merchants can print their payment address as QR Code and display in front of the shops. Customers can scan the QR code using the BHIM app and send payments.
- All fund transfers are instant, 24/7 and 365 days.
- Users can send minimum Rs 1 and maximum Rs 10,000 per transaction. Also, there is a transaction limit of Rs 20,000 per day.
- BHIM app is currently available in Hindi and English languages.
There are no charges for making any transaction through BHIM app. But as the service utilises Immediate Payment Service (IMPS) your banks may levy a nominal charge. Like to know more about UPI? then do check our previous article where we have explained in details on going cashless with UPI.