SBI UPI App

Last Updated : July 16, 2025, 5:28 p.m.

The State Bank of India (SBI) Unified Payments Interface (UPI) app, known as BHIM SBI Pay, is a powerful tool for seamless, secure, and instant digital transactions. Developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI), this app allows users to send and receive money, pay bills, and shop online using a Virtual Payment Address (VPA). Whether you're an SBI account holder or have an account with another UPI-enabled bank, this guide will walk you through the features, benefits, and step-by-step processes for using the SBI UPI app effectively.

Features and Benefits of SBI UPI App

The BHIM SBI Pay app offers a range of features and benefits that make digital transactions convenient and secure:

• Instant Fund Transfers : Transfer money instantly, 24/7, without the need for bank account details or IFSC codes, using just a VPA, mobile number, or QR code.
• Multi-Bank Integration : Link multiple bank accounts (up to 5) to a single VPA, allowing flexibility to manage transactions across different accounts.
• No Transaction Charges : Currently, SBI does not levy any charges for UPI transactions, making it cost-effective.
• Versatile Payment Options : Pay to a UPI ID (VPA), bank account, mobile number, or by scanning a QR code. You can also request money or approve/reject collect requests.
• Merchant Payments : Use BHIM Aadhaar SBI for merchant transactions, enabling seamless payments via Aadhaar-linked accounts with fingerprint authentication.
• Daily Transaction Limit : Transfer up to ₹1,00,000 per day, with a maximum of 20 transactions for person-to-person (P2P) transfers and no limit on person-to-merchant (P2M) transactions within the daily cap.
• Secure Transactions : Transactions are protected by a 6-digit UPI PIN and advanced encryption, ensuring safety.
• Additional Services : Pay bills, recharge mobile/DTH, shop online, and access exclusive discounts with partnered merchants.
• User-Friendly Interface : The app is easy to navigate, making it accessible for users of all ages.

How to Register SBI UPI App?

To start using the BHIM SBI Pay app, follow these steps to register:

1. Download the App : Install the BHIM SBI Pay app from the Google Play Store or Apple App Store. Avoid downloading from unofficial sources.
2. Verify Mobile Number : Open the app and select the SIM (if dual SIM) linked to your bank-registered mobile number. The app will send an SMS to verify your number automatically.
3. Enter Details : Provide your preferred Virtual Payment Address (VPA), first name, last name, email, and select a security question with an answer. Choose State Bank of India or another UPI-enabled bank.
4. Accept Terms : Agree to the terms and conditions and tap "Register."
5. Set App PIN : Create a 6-digit App PIN to secure access to the app.
6. Link Bank Account : Select your bank account from the list displayed and link it to your VPA.
7. Complete Registration : A confirmation message will be sent to your registered mobile number.

How to Create VPA in BHIM SBI UPI App?

A Virtual Payment Address (VPA) is a unique identifier (e.g., yourname@sbi) used for transactions without sharing bank details. To create a VPA:

1. Log In : Open the BHIM SBI Pay app and log in using your App PIN.
2. Navigate to Profile : Go to the "Profile" or "My UPI ID" section in the app.
3. Create VPA : Select the option to create a new VPA. Enter a unique name (e.g., yourname@sbi) and check for availability.
4. Link Bank Account : Choose the bank account to link with the VPA. You can create multiple VPAs for different accounts if needed.
5. Verify : Confirm the VPA creation with an OTP sent to your registered mobile number.

How to Generate MPIN on BHIM SBI UPI App?

The Mobile Personal Identification Number (MPIN) or UPI PIN is a 6-digit code required to authorize transactions. To generate it:

1. Log In : Open the BHIM SBI Pay app and log in.
2. Select Bank Account : Go to the "Bank Account" or "Manage Accounts" section and select the account for which you want to set an MPIN.
3. Enter Debit Card Details : Input the last 6 digits of your debit card and its expiry date. For SBI Maestro cards, use 01/49 as the expiry date if needed.
4. Receive OTP : An OTP will be sent to your registered mobile number. Enter it in the app.
5. Set MPIN : Create a 6-digit MPIN, re-enter it for confirmation, and submit.
6. Confirmation : A message will confirm the successful generation of your MPIN.

How to Send Money Through SBI UPI App?

Sending money via the BHIM SBI Pay app is quick and simple:

1. Log In : Open the app and log in with your App PIN.
2. Select Pay Option : Tap on the "Pay" option from the main menu.
3. Choose Payment Method : Select the recipient’s VPA, mobile number, or scan a QR code. Alternatively, use account number and IFSC code.
4. Enter Details : Input the recipient’s VPA or other details, the amount to transfer, and optional remarks.
5. Select Account : Choose the linked bank account to debit the funds.
6. Authorize Payment : Enter your 6-digit MPIN and tap "Submit."
7. Confirmation : A confirmation message and SMS will be sent upon successful transfer.

How to Receive Funds Using SBI UPI App?

To receive money using the BHIM SBI Pay app:

1. Share VPA or QR Code : Provide your VPA (e.g., yourname@sbi) or QR code to the payer. You can generate a QR code from the app’s "Generate QR" option.
2. Collect Request : Alternatively, initiate a "Collect" request:
   • Go to the "Collect" option in the app.
   • Enter the payer’s VPA, the amount, and remarks.
   • Select the linked account to receive funds.
   • Tap "Initiate Collect" to send a request to the payer.
3. Payer Approval : The payer must approve the collect request by entering their MPIN. Once approved, funds are credited instantly to your account.
4. No PIN Required : Receiving funds via VPA or QR code does not require you to enter a PIN.

How to Increase SBI UPI App Limit?

The default daily transaction limit for SBI UPI is ₹1,00,000, with a limit of 20 P2P transactions per day. New users or those who reset their PIN face a ₹5,000 limit for the first 24 hours (Android) or 5 days (iOS). To adjust the limit (up to ₹1,00,000):

1. Open YONO App : Log in to the SBI YONO app with your credentials.
2. Navigate to YONO Pay : Tap on the "YONO Pay" section on the dashboard.
3. Access Profile : Click the profile icon in the top left corner and select "BHIM UPI."
4. Set Limit : Enter your desired transaction limit (up to ₹1,00,000) and confirm.
5. Authenticate : Verify the change using your internet banking password or OTP.
6. Note : Limits are subject to change, so check the SBI website or contact customer care for updates.

How to Reset SBI UPI PIN?

If you forget your UPI PIN or wish to change it, follow these steps:

1. Log In : Open the BHIM SBI Pay or YONO SBI app and log in.
2. Go to Manage UPI : Navigate to the "Manage" or "UPI Profile" section.
3. Select Account : Choose the account for which you want to reset the PIN.
4. Reset PIN : Tap "Reset PIN," enter your debit card’s last 6 digits and expiry date, or use Aadhaar details.
5. Enter OTP : Input the OTP sent to your registered mobile number.
6. Set New PIN : Create a new 6-digit PIN, re-enter it, and submit.
7. Confirmation : A message will confirm the PIN reset.

How to Create a UPI ID in SBI YONO App?

To create a UPI ID in the SBI YONO app:

1. Log In : Open the YONO SBI app and log in with your User ID and MPIN.
2. Access YONO Pay : Tap on "YONO Pay" from the dashboard.
3. Select BHIM UPI : Choose the "BHIM UPI" option.
4. Create UPI Profile : Click "Create/Retrieve UPI Profile" and select your registered mobile number.
5. Verify OTP : Enter the OTP sent to your registered number for verification.
6. Select Bank : Choose "State Bank of India" or another UPI-enabled bank from the list.
7. Create UPI ID : Enter a unique UPI ID (e.g., yourname@yono) and link it to your bank account.
8. Set UPI PIN : Follow the prompts to set a 6-digit UPI PIN using your debit card details or Aadhaar.
9. Confirmation : Your UPI ID is now ready for transactions.

SBI UPI App Customer Care Number

For queries or issues with the SBI UPI app, contact:

• Toll-Free Numbers : 1800 11 2211 or 1800 425 3800
• Alternate Number : 080 2659 9990