Review Insights · App Store
BHIM Bharat's Own Payments App
National Payments Corporation of India (NPCI) · 1,384 ratings · ★ 4.4
4.4
★★★★★
1,384 ratings
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Top complaints - extracted from 75 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"number"
33 negative reviews mention this · 44% of all complaints
★★★★★ "Unable to setup UPI lite. I have setup the UPI on BHIM app and it works. I could not setup the UPI lite for some reason. Everything goes fine until the last step and it says transaction failed to add money to UPI lite. I tried to add a custom UPI id with my name a…" - Liberty 48
2
"verification"
25 negative reviews mention this · 33% of all complaints
★★★★★ "Doesn’t work with US mobile number. Tried to register with US mobile number but failed in verification completed step." - skyusr
3
"mobile"
21 negative reviews mention this · 28% of all complaints
★★★★★ "Doesn’t work with US mobile number. Tried to register with US mobile number but failed in verification completed step." - skyusr
4
"working"
18 negative reviews mention this · 24% of all complaints
★★★★★ "UPI for NRIs Still Not Working. BHIM is now supposed to support international numbers from select countries. But even now that is not working. While the SMS gets sent, the verification still fails? Can the developer advise why this functionality is still not working?" - Unreal Whoa
5
"bhim"
16 negative reviews mention this · 21% of all complaints
★★★★★ "Unable to setup UPI lite. I have setup the UPI on BHIM app and it works. I could not setup the UPI lite for some reason. Everything goes fine until the last step and it says transaction failed to add money to UPI lite. I tried to add a custom UPI id with my name a…" - Liberty 48
6
"work"
15 negative reviews mention this · 20% of all complaints
★★★★★ "Unable to setup UPI lite. I have setup the UPI on BHIM app and it works. I could not setup the UPI lite for some reason. Everything goes fine until the last step and it says transaction failed to add money to UPI lite. I tried to add a custom UPI id with my name a…" - Liberty 48
7
"international"
14 negative reviews mention this · 19% of all complaints
★★★★★ "Sms phone number format. I read previous review from Jan that describes the problem for international mobile numbers. This app sends sms to number starting with “0091”, but US mobile carriers can identify India number’s only of they start with “+91”. This simple is…" - FrustratedBheem
8
"numbers"
13 negative reviews mention this · 17% of all complaints
★★★★★ "Sms phone number format. I read previous review from Jan that describes the problem for international mobile numbers. This app sends sms to number starting with “0091”, but US mobile carriers can identify India number’s only of they start with “+91”. This simple is…" - FrustratedBheem
9
"fails"
13 negative reviews mention this · 17% of all complaints
★★★★★ "Can not verify US number. Mobile verification fails for USA number" - AKSahu1228
10
"doesn"
12 negative reviews mention this · 16% of all complaints
★★★★★ "Doesn’t work with US mobile number. Tried to register with US mobile number but failed in verification completed step." - skyusr
11
"issue"
12 negative reviews mention this · 16% of all complaints
★★★★★ "Sms phone number format. I read previous review from Jan that describes the problem for international mobile numbers. This app sends sms to number starting with “0091”, but US mobile carriers can identify India number’s only of they start with “+91”. This simple is…" - FrustratedBheem
12
"registration"
12 negative reviews mention this · 16% of all complaints
★★★★★ "Can’t use US number to use with NRO account. Trying to get this working on iPhone after reaching in India. App asks for mobile verification and ask to send pre-prepared message for verification and when sent from the US number the app considers it as an Indian number and fails registr…" - Kamleshvu
📋 All 75 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
Buggy App: No credit for failed transaction
I did a UPI transaction in Sep 2025. It failed. I am still waiting for refund of the money to my back. Not sure who maintains this app. No response after repeated complaints.
Doesn’t work with US mobile number
Tried to register with US mobile number but failed in verification completed step.
Sms phone number format
I read previous review from Jan that describes the problem for international mobile numbers. This app sends sms to number starting with “0091”, but US mobile carriers can identify India number’s only of they start with “+91”. This simple issue is preventing US users from using BHIM, while PhonePe works well
Can not verify US number
Mobile verification fails for USA number
App no longer works on iPhone 8
Please make the app compatible with prior versions of iOS like versions 16 and above.
NRI / NRO
I'm having trouble signing up with my international phone number. During the verification process, the text message is sent to a number with a prefix of 0091 instead of +91, which causes the message to fail. Please fix this issue. I will update my review once it is resolved.
Bhim ios older version problem
I can’t able to use BHIM as I have older version of IOS 17. Please resolve the issue
Blocked for iOS 16 users
You now have with recent update blocked users with 16.x and they can’t upgrade to iOS 17 now can’t use this app. Please fix this and continue to allow users with 16.x
Broken when using with a US SIM
During the verification, when sending the text, it sends to a number with a prefix 00 instead of a +. So it is something like 0091…, and that fails the send. I don’t know why something like this is not tested.
Does it work for Non-Indian mobile numbers?
Hello, does this app work for Non-Indian mobile numbers - such as, UK or US?
App does not work for non Indian mobile numbers
Though Govt of India authorized UPI usage for some other countries phone number, BHIM iPhone app is still non-functional. The first step after app install is “Verify Phone Number” and BHIM app fails here as it tries to send SMS to a number starting with “0091….”. This fails as the number to send should be “+91…” rather than “0091” from international phone numbers. The user cannot alter the message to correct number within the verification time set & so this step fails. This simple bug is not identified/fixed by BHIM app developers from a while. With this problem, the app usage is BLOCKED for non-Indian phone numbers (PhonePe has no such issues and working).
Does not work with foreign mobile numbers
UPI is allowed to be used by NRIs with foreign mobile numbers.
However the app fails to verify foreign mobile numbers using SMS, so it is unusable for NRIs.
However the app fails to verify foreign mobile numbers using SMS, so it is unusable for NRIs.
We are not able to use this app international number because you are using 00 instead of +
We are not able to use this app international number because you are using 00 instead of +. All international number required +91 to send messages to any Indian number
Can’t use US number to use with NRO account
Trying to get this working on iPhone after reaching in India. App asks for mobile verification and ask to send pre-prepared message for verification and when sent from the US number the app considers it as an Indian number and fails registration. And 3 or 4 such attempts blocks the device for 24 hours. This is designed poorly for using international number. How can you consider each number would be an Indian even ? They why it was advertised for NRIs..? PhonePe did it in first attempt.
Problems registering
On setup it asks to set up a PIN. It works for the first time after you install the app. But if you reopen the app it says PIN incorrect. What gives? Uninstalled the app, went through the registration process again, same thing. Not off to a good start.
Update:
Got through the initial issue by resetting the PIN and enabling face id. Note it no longer asks for a PIN on opening the app.
But now it complains about setting up UPI PIN for back account. It kept going and error even though all the details entered were correct and now it just gives an error exceeded attempts. Tried after a day and still gives save error. I am going to give it one last try tomorrow and then uninstall the app if it still did not work.
Update:
Got through the initial issue by resetting the PIN and enabling face id. Note it no longer asks for a PIN on opening the app.
But now it complains about setting up UPI PIN for back account. It kept going and error even though all the details entered were correct and now it just gives an error exceeded attempts. Tried after a day and still gives save error. I am going to give it one last try tomorrow and then uninstall the app if it still did not work.
Wrong prefix during verification
Please fix. The verification number that the app sends the SMS to needs a prefix of +91 and not 00. Like this: +91 96645 55555. The SMS will never be delivered from international numbers trying to do verification.
UPDATE : These guys are imbeciles. Everybody is telling them how to fix the prefix. All they do is reply with a canned reply. No fix. Just thanks for the feedback. Wise up you guys!!!
UPDATE : These guys are imbeciles. Everybody is telling them how to fix the prefix. All they do is reply with a canned reply. No fix. Just thanks for the feedback. Wise up you guys!!!
Awful user experience
The app takes user experience and flushes it down an Indian Railways toilet. You can't pay someone you've already paid from the transactions list, can't add a payment recipient from the transactions list to favorites, can't reorder favorites, the list goes on.
not working for US number
Though RBI opened the UPI for the US number, and I was able to activate as well using the ICICI bank app. This app is still not working. Stuck in the 3 step of Mobile Verification. Based on the developers feedback to other users, contacted using the Get in Touch form, but there is no response. I think the developer should take this app off from the App Store from the countries other than India as it is still not working for numbers outside of India.
Not working with USA mobile number with NRO account
I read news articles saying that UPI enabled for NRO accounts with USA mobile number, today I tested it.. but it’s not working.
It always says msg sending failed. Also when I try to provide feedback, it asks for Indian mobile number.
It always says msg sending failed. Also when I try to provide feedback, it asks for Indian mobile number.
App still does not support international numbers
Although my bank and bank app supports upi for international numbers BHIM upi still cannot validate international numbers.
Not for NRIs
It says it works for NRIs but that’s not true. App tries to validate the number and sends the SMS to server from USA number but fails receiving any validation/SMS back from the server and now app blocked me for 24 hours from retrying. Developers, please fix this bug.
Doesn’t work for ICICI NRE/NRO accts
For sms verification pls use +91 else iphones message app wont send the SMS
Unable to register with USA number as NRI
Feels bad to give a 1 star rating without trying the app.
Tried to register numerous times. Every time it fails with error ‘did not receive your request’. But then 2 mins or 5 mins or at times few hours later receive a text saying BHIM has started registration process. Not sure how the verification works, but the wait time in the app may need to be increased for international numbers. And of course it will not allow you to submit more than 3 requests in a 24 hour period.
Tried to register numerous times. Every time it fails with error ‘did not receive your request’. But then 2 mins or 5 mins or at times few hours later receive a text saying BHIM has started registration process. Not sure how the verification works, but the wait time in the app may need to be increased for international numbers. And of course it will not allow you to submit more than 3 requests in a 24 hour period.
NRI USA number not supported
A NRI with US number should be able to register for this app. However, it doesn’t work. Please update for this functionality!
Updated review Feb 5, 2024: The app supposedly supports US phone number but cannot complete verification as the text message gets sent to a 0091 number and nothing happens. This should be +91 instead of 0091. Please fix!
Updated review Feb 5, 2024: The app supposedly supports US phone number but cannot complete verification as the text message gets sent to a 0091 number and nothing happens. This should be +91 instead of 0091. Please fix!
BHIM app not working
Hello, I am not able to use BHIM app in my iPhone X and it is updated to its latest version. Please help me fix this issue as soon as possible.
NRE/NRO with international numbers still not working
As the title states, the latest update’s release notes state that international numbers should now be supported as per the RBI guidelines.
However I still can’t get past the phone number verification with a USA number - and others are facing the same issue as reported on Reddit.
However I still can’t get past the phone number verification with a USA number - and others are facing the same issue as reported on Reddit.
Failing Registration for NRE/NRO account
This version of app seems to have new NRE/NRO accounts support with international number but when I trying registration with USA number, it is constantly failing. Needs some fixing on the verification process. Would be life saver for NRIs.
No NRE/NRO with US mobile
Version says NRE/NRO with US mobile but still verification failed. For US, the outgoing SMS needs to in 01191******* or +91********
Currently it’s trying to send to 0091****** which is not going to work
Please fix
Currently it’s trying to send to 0091****** which is not going to work
Please fix
Nre/nro foreign mobile registration fails
Tries to send sms to some number with country code 1 (US) and sms fails.
Ads and bad UI
Home page has big ads banner, if you click on phone notification it takes you to app home page rather than that transaction, Transaction history needs to be readily available but requires couple of clicks. Everytime you open app it shows popup to enable upi lite, there is no option to turn off this pop up. Over all very bad user experience.
Not working
Even though it was announced earlier this year that NRI/NRE account will be able to use their international number for UPI, it’s not working. Not able to pass mobile verification step.
Difficulty with PIN
I changed my pin. Ever since have been unable to use the payment method. During the second payment stage after a change in PIN, it refuses to proceed with an error reason ‘you have entered wrong UPI PIN’ . Call Center is for name only. Have lodged several complaints to no avail.
SMS Verification Timeout
Unable to complete the SMS verification step. Reported issue but no response from the team.
When will app starts accepting registration from US Number?
Govt mentioned it will be available for NRI but when?
App doesn’t support US number
UPI is now supposed to work with a U.S. phone number. However the Bhim app does not support this. Why not?
International numbers
Is BHIM working with international mobile numbers for any banks ? I have a NRO account with SBI and not able to register my mobile number with this app. Please update.
No option for enabling UPI for NRI
For an app from NPCI to not enable UPI for NRI even after the policy was rolled out on 30th Apr is pretty frustrating
Verification not working
NRI mobile verification was supposed to start from Apr 30th, it is still not working.
Mobile verification failed
Not able to complete registration using USA number. It was supposed to be working by 30-Apr.
Doesn’t work with USA number
As promised, UPI was supposed to work for NRI number, not mobile verification fails.
Feature not working
Unable to add credit card…
Cellular Data Turned off message
I am trying to register in the app but when I select my SIM for mobile number that I want use and click on proceed it gives error message saying cellular data turned off for this app which is not true. I’ve made sure it’s on for this app. Also reported the issue but no response from support team.
$payment
Payment approval page shows currency as $ instead of Rupee. This is very unprofessional
App was working fine in 2019 2020. More buggy errors with every update
Error : Failed due to some issue.
Bad Request error
No matter when I request, I always get Bad Request error when I select bank in the registration process.
Bad Request
No matter what Bank I choose I get a “bad request.” Impossible to use.
Payment while overseas
I live overseas & in order to register to BHIM UPI, because I do not have mobile date access, it doesn’t let me register. Here they should let one use WiFi instead of mobile data for registering on the app in order if someone needs to make payment from overseas to India, just like how SBI, Union bank of India, etc is allowing to register to app even while living abroad. Please consider this option as there are times when someone needs to make payment for their properties or bills related to their properties in India while they are living overseas 🙏
Unable to sign up
The app cannot verify my SIM card even after I tried 10 times… It keeps failing with timeout/interrupted error message… Would recommend to use alternative UPI apps instead
Why do you need mobile data?
I was registering for BHIM app with mobile data turned off. However it does not proceed unless mobile data is turned on. This does not happen for android users. Please fix this at the earliest. Only SMS should be sufficient for verification purpose during registration.
Never works
I get this message and I get the timeout message. That’s it. I have tried at different times over last few months.
Your registration for BHIM app has started. If it is not you please report now to your bank. Do not share the card details/OTP to avoid any financial loss NPCI
Your registration for BHIM app has started. If it is not you please report now to your bank. Do not share the card details/OTP to avoid any financial loss NPCI
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Sentiment summary
85%
Positive (4-5★)
3%
Neutral (3★)
12%
Negative (1-2★)