• Primary Bank Account For Upi Id Cannot Be Deleted
• Primary Bank Account For Upi Id Cannot Be Deleted Password

Can customer link his wallet to UPI? No, customer cannot link a wallet to UPI, only bank accounts can be added. Can I use more than one UPI application on the same mobile if they are linked to different bank accounts? Yes, one can use more than one UPI application on the same mobile and link both same as well as different accounts. Sep 20, 2020 Select the bank account number registered on Paytm UPI Tap on Remove bank option As soon as you remove the primary bank account on Paytm, the service will ask you to set up another primary account.

• If you’re sending money to a UPI ID, please, make sure that you’ve entered the correct UPI ID. Kindly ensure that you’ve entered the correct UPI Pin. You will not be able to send money if your Bank is malfunctioning. If you’re a new user on BHIM, you can only do transactions up to Rs. 5000 for the first 24 hours.
• For using UPI, users need to create a UPI ID of their choice and link it to any bank account. The UPI ID acts as their financial address and users need not remember beneficiary account number, IFSC codes or net banking user id/password for sending or receiving money.
• Online shopping from a great selection at Amazon Pay UPI Register now Pay directly from your bank account Store.

UPI stands for Unified Payments Interface (UPI) which is a platform provided and developed by the National Payments Corporation of India (NPCI), an RBI regulated entity to facilitate inter-operability amongst various banks.

It allows account holders to instantly send and receive money using their smartphones with a single identifier – virtual payments address (VPA) without entering any bank account information. Therefore, customers do not need to know the payee's or payer’s IFSC code, bank account details, etc. and this makes the process simpler. This service is available 24/7, including bank holidays.

• • Registration to be done one time only and will be prompted on first time usage of UPI
  • Click on BHIM UPI icon from the footer menu, or from the hamburger side menu, or click on fund transfer and then select BHIM UPI option
  • Enter OTP received on your registered mobile number
  • Create your personalized Virtual Payment Address (VPA) or select one from the list of suggestions
  • Link your bank account to send / receive money
  • You can now start using BHIM UPI
• • Send money to any verified virtual payment address (VPA) using Transfer to VPA option
  • Send money to any account number* using Transfer to account option
  • Send money to any QR Code using Scan & Pay option
  • Send money by approving any collect request received from a verified virtual payment address (VPA)

  *IFSC code also required

• • Receive money from any verified virtual payment address Request money option
  • Generate your personal QR code to receive money from any verified virtual payment address (VPA)
  • Receive money request sent to other VPAs can be viewed in pending requests section. Click on pending with others button to view the requests

• • Scan merchant QR code to make instant payments
  • Enter your Deutsche Bank VPA address on any merchant website, approve collect request from your MyBank India app to make payment
  • Collect requests can be viewed in pending requests. Navigate to pending requests and click on pending with me button
• • Link additional account to your existing VPA from the manage VPA section
  • You can create additional VPAs
  • You can delete VPA / de-link from the manage VPA section
• • Money sent from the MyBank India app can be viewed under sent money section
  • Money received using your Deutsche Bank VPA can be viewed under the receive money section

Frequently asked questions

What is Unified Payment Interface (UPI) ?

UPI stands for Unified Payments Interface (UPI) which is a new payments facility provided by NPCI to customers. It allows you to send and receive money 24/7 using their smartphones and tablet with a single identifier – virtual payments address (VPA) / UPI ID – without entering any bank account information. Therefore, customers do not need to know the payee's or payer’s IFSC, bank account details, etc. and this makes the process simpler.

What is a Virtual Payment Address (VPA) / UPI ID?

A VPA / UPI ID is an identifier which you can create and link any of your bank accounts to make secure payments. The VPA / UPI ID can be yourname@db* or mobilenumber@db* or any other combination* which is easy to remember.

*subject to availability

What can be a VPA / UPI ID?

A VPA / UPI ID can be alphabetical, numeric or alphanumeric. It should be of minimum 3 characters and maximum 50 characters. It cannot contain any special characters except (dot . hyphen - underscore _ at the rate @ which are permissible. Your ID should be easy to remember such as yourname@db* or mobilenumber@db*.

*subject to availability

How can I generate a VPA?

Go to MyBank India App. Click on BHIM UPI, you will be asked to enter OTP received on your mobile number registered with the bank. Post that you will be provided a screen to select a VPA like yourname@db* or mobilenumber@db*. You can set your own personalised VPA* or select from the suggestions. Once registered, you can add more VPAs from the Manage VPA section of UPI.

*subject to availability

Are there any charges for transactions done using UPI?

Currently there are no charges for transactions done through UPI.

How can I transfer money using UPI?

• Login to MyBank India app and click on BHIM UPI
• Click on Transfer Money via “Transfer to VPA” or “Transfer to Account”
• Fill out the details on the screen such as beneficiary VPA or account details, amount and remarks. If you have multiple accounts / virtual payment addresses, your default VPA will be selected for debit. Click on Proceed
• Please review the next screen carefully on summary page, input your credentials to submit

What are the different types by which I can send money using UPI?

You can send money either by using IFSC (Beneficiary’s account details), by entering Beneficiary’s VPA or by scanning QR code of beneficiary.

What are the limits on send money transactions using UPI?

You can do UPI transactions up to Rs. 1 lakh per transaction and cumulatively up to Rs. 1 lakh and a maximum of 10 transactions.

What is the advantage of UPI funds transfer over other fund transfer mechanisms?

The service is instant and available 24X7, even on public / bank holidays. Customers can transfer funds in simple steps by providing the virtual payment address of the beneficiary. Also, there is no pre-registration required for the beneficiary.

Where can I see my UPI transactions?

You can view your past transactions under the Transaction History option. This will also reflect in Online Banking & Bank Statement.

Can I put a stop payment request for funds transferred by UPI?

No, once payment is initiated, it cannot be stopped.

Can I transfer money abroad using UPI?

No, you cannot transfer money abroad through this option.

What happens when my handset is changed?

When you login into MyBank India app and click on BHIM UPI, you will have to enter the OTP received on the mobile number registered with the bank.

When collecting money using UPI, how do I come to know when the remitter has authorized the transaction?

Any collect money request pending to be authorized from the remitter will be viewed under pending with other option under pending requests in BHIM UPI.

Where do I find the list of transactions that are pending for my authorisation in UPI?

You can accept or decline collect money request under pending with me menu under pending requests in BHIM UPI.

How fast is a transaction under UPI?

Transactions under UPI get completed within few seconds.

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• Mobile Verification fails occur due to the following reasons:
  • App is unable to send SMS.
  • Network connection is not working
• Fix: Kindly ensure network connectivity (Mobile Data switched on & Flight Mode turned off) and in case the above issues are not applicable, kindly upgrade the app to latest version from Playstore/Appstore and try again.

• Kindly ensure network connectivity (Mobile Data switched on & Flight Mode turned off)
• You should have sufficient balance to send an SMS for registration. SMS fee may change according to your Telecom Service Provider.
• Please ensure that you’re not switching screens (switching between different applications) in between the process of registration, doing so would automatically expire your session.

• Kindly ensure network connectivity (Mobile Data switched on & Flight Mode turned off).
• Kindly ensure that you’re entering your correct passcode. In case you don’t remember your passcode, click on “Forgot Passcode” option from the passcode screen.

• You will be able to see your Bank while linking account only if it is live on BHIM. Kindly click on the link to see if your Bank is live on BHIM - Live members.

• If your BHIM app says “Unable to fetch A/c”, kindly wait for few minutes and try again later as the bank maybe offline.
• In case you’re trying to link a Minor A/c or Joint A/c, the bank wouldn’t allow you to add that particular account on BHIM. Kindly check with your Bank for the same.
• In case you are trying to link an account type not supported by your Bank’s internal policy (Minor, Joint, Dormant A/c etc.), kindly contact your bank.
• If your BHIM app says “Account does not exist”, ensure that you’ve selected the correct Bank A/c and that you’ve linked your mobile number to that Bank account.
• In case of Dual SIM, kindly ensure that you’ve selected the correct SIM to which you’ve linked your bank account.

• Login to BHIM App -> Click on Bank Account You will be shown the accounts you’ve linked on BHIM below which you can click on “Make Default” to change your default account.

• Login to BHIM App -> Click on Bank Account You will be shown the accounts you’ve linked on BHIM below which you can click on “Remove” to remove your that particular account from BHIM.

• You can add up to 5 accounts on BHIM.

• The last 6 digits and expiry date of the debit card is required for setting the UPI PIN.
• If you’re not receiving the OTP in time, kindly click on Resend OTP option.
• If the above does not work, please wait for some time and try again.
• Please note that only Debit cards linked to the account can be used for setting the UPI Pin.

• Login to BHIM App -> Click on Bank Account You will be shown the accounts you’ve linked on BHIM below which you can reset your UPI PIN. (Please keep your Debit Card details handy to reset your UPI pin.)

• Kindly wait for 24 hours post which you will be able to do transactions.

• This error would occur only in the event of entering incorrect Debit Card details.
• In any case if the same scenario is repeated post entering the correct details, Kindly contact your bank.

• You can send money to a limit of Rs. 40,000 per transaction and Rs. 40,000 per day on BHIM.
• If you’re sending money to a UPI ID, please, make sure that you’ve entered the correct UPI ID.
• Kindly ensure that you’ve entered the correct UPI Pin.
• You will not be able to send money if your Bank is malfunctioning.
• If you’re a new user on BHIM, you can only do transactions up to Rs. 5000 for the first 24 hours. You’ll be able to exhaust your daily limit of Rs. 40,000 after the completion of aforementioned 24 hours.
• Kindly note that your Bank’s limit may vary from that of BHIM.

• A user on BHIM can send money to a limit of Rs. 40,000 per transaction and Rs. 40,000 per day.
• If you’re a new user on BHIM, you can only do transactions up to Rs. 5000 for the first 24 hours. You’ll be able to exhaust your daily limit of Rs. 40,000 after the completion of aforementioned 24 hours.
• Kindly note that your Bank’s limit may vary from that of BHIM.

• A user on BHIM can complete only 10 financial transactions in a day for a value not beyond Rs. 40,000. Beyond this limit on frequency or value of transactions, you will be shown an error “Risk threshold exceeded”.

• If your BHIM App states that your transaction is a Success, but your beneficiary hasn’t received the money, Kindly check to ensure that you’ve entered the correct beneficiary details (UPI ID or A/c IFSC).
• In case your transaction is in Pending status kindly check the status of the transaction after T+2 working days. If the issue still persists, kindly reach us out our customer care.
• In case your transaction has failed, but the amount was debited then the same will be reversed to you in T+2 working days.
• If you still face the issue, you can reach out to us or raise a complaint on your BHIM App.

• Kindly contact your bank and raise a complaint for chargeback.

• You can report any feedback/suggestion/complaint on the app.

• Your transaction may be declined due to any of the following reasons:
• Either of the Bank servers might be temporarily down. In this case, kindly wait for some time before you re-initiate the transaction.
• It might be a suspected as a fraud transaction.
• You might have entered the wrong UPI Pin.
• The beneficiary details you have entered might be incorrect.
• Your mobile number might be linked with multiple types of accounts in the same bank.
• If you’ve changed your mobile number linked with your bank account then there is a possibility that the bank hasn’t updated your new number due to which you will not be able to complete your transaction. In this case, kindly contact your bank.
• The transaction you’re trying to complete might be a violation of Bank Policy. In this case, kindly contact your bank.

• Your bank should be registered as a Self Certified Syndicate Banks eligible as Issuer Banks for UPI in the SEBI website
• You should have an active UPI ID created.
• You should be on the latest version of BHIM Application.
• Note: The per transaction limit for IPO through UPI Payment is Rs. 2,00,000.

• You will be receiving a Notification as well as an SMS from your BHIM App at the time of receiving a request.
• Login to BHIM->Select My Mandates -> Go to Pending and you’ll be able to see the IPO request.
• All IPO collect requests would have a “Verified Merchant” mark to ensure that it is not Fraudulent.
• Kindly ensure that you check the amount before accepting the request.

• Any modification or cancellation of the bid post successful creation has to be undertaken by approaching the intermediary through whom the bid was placed. For modification, you will have to approve the modification request on your BHIM app once you receive it and in case of cancellation you would be receiving a notification from BHIM stating that mandate has been revoked.

• Login to BHIM->Select My Mandates -> Go to Active and you’ll be able to see the IPO request. This would mean that your bid has been placed successfully.
• You will be receiving an SMS from your Bank as well as BHIM confirming the block of amount on the account which means the bid was successful. The status of the same can be confirmed with the intermediary through whom the bid was placed.

• In case of any error during Creation or Modification of a mandate request, the same can be re-initiated by approaching the intermediary to whom you had submitted the application form.

• You should wait for some time and then request your broker to reinitiate the transaction.

• Please note that BHIM being a payment platform does not guarantee the allotment of shares.
• Kindly contact the intermediary through whom the bid was placed in case of any queries regarding allotment, however if you’ve been allotted then the bid amount would be debited basis allotment (Full Allotment or Partial Allotment) for which you would receive a notification as well as an SMS from BHIM and your Bank.
• If you’ve not been allotted, then your amount shall be unblocked post which you will be receiving an SMS from your Bank for the same.

BHIM is a UPI based payment interface which allows real time fund transfer using a single identity like your mobile number or name.

1. You can send & collect money to any person on UPI
2. You can pay bills on merchant website by UPI
3. You book flight tickets or recharge your mobile
4. You can scan a QR to make quick payments
5. You can check your transaction history on UPI
6. You can send money to Account and IFS code

1. Pay to your friends or relatives directly through their UPI ID.
2. While shopping online, click on the “ Pay by UPI/BHIM” option
3. Scan UPI QR/BHIM QR at merchant outlets.

BHIM is not a wallet. It is a payments application which allows users to make instant bank transfers.

The easiest way to think of UPI is that it is a payment method to transfer money between 2 parties. It is similar to NEFT or RTGS transfers in that way.

BHIM can be used currently on all handsets with iOS (version 9.0 & above) & Android OS (version 5.0 & above).

Primary Bank Account For Upi Id Cannot Be Deleted

Currently it is available in 16 languages, i.e., Hindi, English, Tamil, Telugu, Malayalam, Bengali, Odia, Kannada, Punjabi, Assamese, Urdu, Marathi, Gujarati, Haryanvi, Bhojpuri and Konkani.

A Virtual Payment Address (VPA) is a unique identifier which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.

You can use BHIM outside India to send and collect money for your local accounts. Please note that NRI/NRE accounts can be used for the same.

NPCI does not charge any user for transacting on BHIM. Kindly get in touch with your bank to ask for their charges.

Dial *99# to avail features of BHIM without internet on any mobile phone.

BHIM is interconnected with every bank through the UPI ecosystem.Hence, you will not be able to link your account on BHIM application.

Any user having a smartphone and bank account is eligible to use BHIM. That being said, you need your mobile number registered with the bank and a debit card linked to that account. You can download the app from playstore or appstore.

After installing and running the app for the first time:

1. Select Language
2. App will ask permission to send SMS to verify.
3. Successful attempt with take you to Home page
4. If unsuccessful, after 45 seconds an OTP will be sent to you.
5. If step 4 is unsuccessful, you will be prompted to dial a USSD code.
6. Once NPCI recognizes your mobile number and handset, your registration is complete.

On successful registration, a default ID i.e mobilenumber@upi will be created. You can add one more VPA by going in the profile section.

A UPI ID is a unique identifier which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.

Device binding failure occurs due to the following reasons:

1. App is unable to send SMS
2. Network connection is poor
3. Phone time and actual time is different
4. Telecomm service provider is unable to send registration SMS to NPCI

UPI PIN is a four or six digit number that is set by the customers on BHIM after the registration process. UPI PIN is used for authenticating all transactions done on UPI platform (BHIM or *99# or UPI apps)

Once your mobile is verified, you will have to select your bank account and set your UPI pin.

Your bank is not registered with UPI, hence it is not on the list. Our team is working towards getting all banks on UPI.

Your bank does not permit your account type to be listed on UPI. Kindly try another account.

After you select your bank account, you will be promoted to set your UPI pin for the first time. You need to input the last 6 digits of your debit card along with the expiry date. If you are a SBI Maestro card user, you can enter the expiry date as 01/49.

While setting the UPI pin there a SYNC option at the bottom of the transaction screen. If you click that, the pin you have set on the other app will be set on BHIM.

Due to some technical reason, your UPI pin cannot be set. Kindly click here (page should redirect to Contact Us>>Issue with UPI pin) and provide details.

BHIM users can send money by using one of the following details of the beneficiary.

1. VPA ( Registered on UPI)
2. Mobile No. ( Registered on UPI)
3. Account Number and IFS code

When you enter a VPA and click on verify, the account holder’s name (as mentioned in the bank’s system) will be displayed. This is for you to cross check if the sender and the bank account to which you want to send money are the same. Incase they appear different, please re confirm the VPA of the receiver. Money once sent through BHIM cannot be reversed.

A user can send upto Rs 40,000 per transaction and a maximum of Rs 40,000 per day for one bank account. This limit is available per bank account linked on BHIM.

The default VPA is mymobileno@upi .You can change by going to the “My profile” section and selecting among the available VPAs.

BHIM allows you to use two VPA’s. First one is the default VPA (mobile number@upi). The second one, you can create on “My Profile” page.

The account which you have selected will be displayed on the top left with the bank’s icon. That will be your default bank. You can change the bank account by going to “Bank Accounts” and clicking on the three dots menu option to change the bank.

Let’s say you have two accounts i.e ABC and XYZ and both are linked on BHIM. You want to transfer money from ABC to XYZ. Click on “Bank Accounts” -> “Send to Self” -> Select “To Account”, Enter Amount and select “From Account”, post entering your UPI Pin for ABC you will be able to transact.
*Option available only on the latest version of BHIM.

Primary Bank Account For Upi Id Cannot Be Deleted Password

Yes, you can save details. While sending money to a particular receiver you have to click on the option “Save for Future”

Scan & pay option is present in the Home page where you can click and the QR scanner opens up. Using this you can scan the QR code of the receiver and send him money. You can also use scan and pay on your passcode screen. You can also upload a QR saved on your phone as an image.

Once you register on BHIM, a QR code and default VPA is created. You can check these details on the “My Profile” section of BHIM.

On BHIM, you can initiate a collect transaction for asking money from someone. You have to enter the amount and UPI ID. The user who will receive the request can pay or decline the collect request by authenticating it with the UPI pin.

You can click on transactions menu and under the pending section, collect request made towards you will be displayed. You can approve or decline the same.

There is a limit of Rs. 2,000 per collect request on BHIM.

There is no limit to the amount of money you can receive via BHIM.

Split bill allows you divide a bill between yourself and other users (BHIM and UPI). Let’s say you and your friends have used a product/service amounting to Rs 1,000. Using split bill feature, you can enter the total amount and that will get automatically split between the users (after entering their VPA).A collect request will be initiated and the payers need to approve the collect transaction.

You can do so by clicking on spam for the request and also by clicking the particular sender so that he can no longer send unwanted requests.

Pending transactions can be viewed in the transaction section of BHIM. The requests will be valid till the time the initiator has kept. If the request is not accepted within that set time, the request expires.

The transaction has failed due to a system error. The money is in the pool account of the remitting bank (your bank). Your transaction ID is your reference ID, which you can take up with your bank.

To report a failed transaction, click on report issue in the transaction page against the failed transaction and mention the details. The amount should be reversed to you in T+3 days.

Incase that does not happen, you can reach out to us here (link should redirect to contact us>>transaction failed).

We apologise for the inconvenience.

The transaction has failed due to a system error. The money is in the pool account of the beneficiary bank. Your transaction ID is your reference ID, which you can take up with your bank.

To report a pending transaction, click on report issue in the transaction page against the failed transaction and mention the details. The amount should be reversed to you in T+3 days.

In case that does not happen, you can reach out to us here ( link should redirect to contact us>>transaction pending).

We apologise for the inconvenience.

NPCI is acting as platform for processing transaction. It is an instant transfer, hence we request you to check beneficiary details before transacting. A successful transaction cannot be reversed, unless the beneficiary refunds at his own end.

You can try and raise a collect request (for VPA based transactions) and hope that the user will return the same. There is no guarantee that your amount will be reversed.

Reach out to the BHIM Toll Free number 18001201740 for any queries or complaints on your BHIM transactions.

My Beneficiaries is a feature added which helps users to organize their payer contacts. It contains the list of payers to whom a transaction was initiated.

When performing a transaction, click the button “Save for future” to save the contact. You can view the same in your added beneficiary.

When you click on any contact in my beneficiary, it gets highlighted with two options i.e. “Send Money” and “Delete”. Click on delete to remove the beneficiary from the list.

Click on the three dots on the top right of the My Beneficiary page and go to blocked contacts. Click on the contact and select the option to unblock the same.

1. Add Custom payment reminders as per your convince.
2. Phone bill, electricity bill or EMI, don’t miss a single payment
3. Click on the three dots on home page and click on payment reminders to set customized reminders

1. Designed for merchants who use agents/delivery staff for delivering goods to collect payments.
2. Enable yourself as merchant under the “I am a Merchant” tab in the home menu screen.
3. After declaring yourself as a merchant, a new option on the home screen “Merchant” will be available for use.
4. Add agents by entering their UPI ID & mobile number.
5. Generate a QR for that specific agent and share it with them.
6. The agent can use that QR for collecting payments on behalf of the merchant.
7. When a transaction is successful, the agent and the merchant will be notified via SMS for the same.
8. Add up to 3 agents and get updated on collections by them.

Bill payments can be made for the following categories:

Electricity, Gas, Water, DTH and Telecom, Mobile post-paid and landline

BHIM bill pay is only available for banks which are enabled on Bharat Bill Pay. If your bank account is not live, you will not see the option for Bill Pay. Kindly switch to another bank account which is enabled on Bharat Bill Pay.

No, there will be no charges for bill payment via BHIM Bill Pay.

Yes, you can check the amount before paying the bill. Please note that all billers will not display the amount due for bill payment.

Yes. UPI PIN is mandatory for all the Bill Payments. This is as per security standards of BHIM.

1. Click on Bill Pay section of BHIM
2. Selects the bill category
3. Select the biller for which you want to make a payment (the biller will be saved automatically for future payments)
4. Enter your biller ID ( subscriber ID, customer ID, etc
5. The next screen will contain the bill details like amount. Not all billers will display the bill amount.
6. If the bill is not displayed, a confirmation screen will be displayed, else it will not be displayed.
7. Click on pay and enter your UPI pin to confirm the payment
8. You will receive a confirmation for the bill payment.

Yes. User will get online confirmation for Bill Payment. Please note user can also check the status of their transaction under Bill pay of Transaction section of BHIM.

Bill payments are subject to existing limit of BHIM i.e ₹ 20,000/transaction & Rs 40,000/day per bank account.

As notified in BHIM your money will refunded in three working days.

You can contact your bank in Call Bank option on BHIM, in the failed transaction.

Yes you can save multiple biller per category. You can also save multiple customer Identifier for same Biller.