BHIM Referral Code 2026

Verified

UPI

iOSAndroid

Last verified 25 August 2026

BHIM (Bharat Interface for Money) is the official UPI payments app developed by the National Payments Corporation of India (NPCI). It allows users to send and receive money instantly, pay bills, recharge mobiles, scan QR codes, and manage bank accounts directly through UPI. The app is known for its simplicity, security, and support for Aadhaar-based UPI PIN setup.

🎁 Up to ₹50 Cashback

Your Referral Code

aAxe41

Get BHIM deal →

Get up to ₹50 cashback after signup, BHIM setup and an eligible first UPI transaction.

Key Features

Make UPI payments and bank-to-bank transfers.
Pay merchants using supported UPI payment methods.
Link eligible bank accounts to the BHIM app.
Set a UPI PIN using Aadhaar or debit card authentication.
Pay eligible bills through the Bharat Bill Payment System.
Use BHIM in more than 12 languages.

How to Use

1
Download the official BHIM app using the supplied invitation.
2
Register using your mobile number.
3
Link an eligible bank account registered with your mobile number.
4
Set your UPI PIN using Aadhaar authentication or debit card authentication, where supported.
5
Complete the required BHIM account setup.
6
Make your first eligible UPI transaction under the active cashback campaign.
7
Check the BHIM app for confirmation of any cashback credited under the campaign.

Terms & Conditions

The app has not published specific referral terms confirming the exact supplied up to ₹50 cashback offer; the following are standard conditions that typically apply. BHIM's official terms state that users must accept the app's terms to register and use its features, while transactions may be subject to limits imposed by BHIM, issuing banks, RBI or other competent authorities. BHIM may also introduce offers and cashback schemes directly or through third parties, and eligibility and reward conditions can vary by campaign. The exact qualifying transaction and cashback amount for this invitation should therefore be confirmed in the active BHIM offer before payment.

Frequently Asked Questions

How do I set up BHIM for UPI payments?

Install BHIM, register using your mobile number and link an eligible bank account. After selecting the bank account, set a UPI PIN using one of the authentication methods supported by BHIM and your bank. Once setup is complete, you can use supported UPI payment features.

Can I set my BHIM UPI PIN without a debit card?

Yes, BHIM Support currently lists Aadhaar-based authentication as an option for setting a UPI PIN. Your Aadhaar must be linked with the relevant bank account, and the mobile number registered with the bank must also be linked with Aadhaar for this method.

How much cashback can I get from the BHIM referral offer?

The supplied offer states that a new user can receive up to ₹50 cashback after signup, account setup and an eligible first UPI transaction. However, BHIM's official general terms say offers and cashback schemes may be introduced and can vary, so the exact reward should be confirmed in the active campaign.

Can I use BHIM for bill payments and recharges?

BHIM's terms confirm that the app includes bill-payment functionality through the Bharat Bill Payment System for eligible billers. Available bill categories, recharge options and payment features can vary depending on the services currently available through the app.

Is BHIM available 24 hours for UPI payments?

BHIM supports UPI-based digital transactions, subject to the availability of the participating bank, payment systems and applicable transaction limits. Temporary service interruptions, bank downtime or limits imposed by payment participants can affect whether a transaction can be completed at a particular time.

Is BHIM safe to use for UPI payments?

BHIM's official terms state that NPCI BHIM Services Limited and NPCI may use security measures, including multi-layered authentication, for transactions. Users must still protect their UPI PIN and account credentials and should never share authentication details with another person.