---
title: "BHIM KBL UPI - Reviews, Revenue and Downloads in India | Apple App Store"
description: "BHIM KBL UPI (Secure Mobile App for Rapid Transactionz)    Mobile application built on UPI Platform for universal app transaction, which facilitates customers to add own and other Bank accounts linked"
---

# BHIM KBL UPI — India

![BHIM KBL UPI App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/f9/d8/26/f9d8262d-7766-ac48-aecb-f3b48081950f/AppIcon-0-0-1x_U007emarketing-0-6-0-85-220.jpeg/400x400bb.jpg)

**Developer:** [THE KARNATAKA BANK](https://apptail.io/developer/the-karnataka-bank-Lqs) (India)
**Category:** Finance
**Rating:** 2.4/5 (54 ratings)
**Price:** Free
**Bundle ID:** com.lcode.bhimsmartz
**Store:** Apple App Store
**Country:** India
**Version:** 1.4.0 (released 2026-07-08)
**Original Release:** 2018-08-25

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/in/app/app/id1425852624)
**AppTail Page:** [https://apptail.io/app/bhim-kbl-upi-UYUb/india](https://apptail.io/app/bhim-kbl-upi-UYUb/india)

## BHIM KBL UPI Description
BHIM KBL UPI (Secure Mobile App for Rapid Transactionz) 


Mobile application built on UPI Platform for universal app transaction, which facilitates customers to add own and other Bank accounts linked to his/her registered mobile number. Customer can initiate payment ( push ) and collect ( pull ) fund transfer request based on virtual ID, Aadhar number , Bank account number with IFSC code, Mobile Number with MMID. 
 

Download self help guide from 

Scan n Pay and Generate QR code and share 

A) Allowed to initiate credit collect to a card not linked account. 
B) Self help mode activated
C) QR code generator option to generate QR Code to receive instant payments by sender using BHIM KBL UPI scan pay n pay option .
D) activation of user permission to access phone features .
F) Enhancements in UI/UX design

Pre-Requisites:

1. Registered Mobile number with the Bank where the account is held , sim should be in primary sim Slot 
( case of dual SIM Mobile devices.) 
2. Mobile Number should be registered with Bank for receiving Transaction SMS Alerts
3. Should have a Valid Debit Card

Link any of your other Bank Accounts which is mapped to your registered mobile number 
with valid Debit card
You Need not to be a KBL Customer to use BHIM KBL UPI
You Can initiate Money Collection Request ( PULL ) 
You Can View your Other Bank Account Balance 
You Can Send money to the Aadhaar Number, Virtual Address, Account Number & IFSC, Mobile Number & MMID (Mobile Money Identifier).
You can receive money from Virtual Address ( Collect / PULL ) 

a) U2U (PUSH): UPI to UPI transaction (Basis Virtual Address, Account Number+IFSC, Aadhaar Number, Mobile Number+MMID). In this case, both the sending and the receiving bank are live on UPI.

b) U2U (PULL): Means UPI to UPI transaction (Basis Virtual Address). In this case, both the sending and the receiving bank are live on UPI.

c) U2I (PUSH): Means UPI to IMPS transaction (and Mobile Number & MMID). In this case, the sending bank is live on UPI but the receiving bank is live only on IMPS and not on UPI.

BHIM KBL UPI will have two PINs 

1. App PIN ( 4 Digits) which is created while profile creation. Used for securing the App and opening. 
2. MPIN ( 4 Digits ) which is created for each account using SET UPI credentials option. MPIN is used for completing the transactions as 2 nd factor authentication. 

for more details 

## BHIM KBL UPI Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/0c/08/87/0c0887cb-7f4d-52e0-1184-2b3883a64924/3917d64d-9cbd-4da4-b5c1-6a8fe7a21478_1.jpg/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/a9/c4/c8/a9c4c82d-da4b-a155-0f29-38e3a72faa0c/49cd3b78-9940-4cbc-82ee-d21fb9776d66_2.jpg/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/d9/70/12/d97012b5-3c43-0b7c-602d-5cd11f95aca9/53abefa9-0922-4874-af1d-080faaa1bfb5_3.jpg/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource126/v4/1d/bf/54/1dbf5416-1954-9c25-1ddc-ad9b13044934/864dfbea-2733-4a07-b487-e57212bce3e0_4.jpg/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource116/v4/ea/72/fa/ea72fa8d-6504-4a87-4a50-3080365709f0/de97463e-b1f0-4c5f-864b-b31b0830d570_5.jpg/1242x2688.png)

## BHIM KBL UPI Rating Breakdown in India
- 5 stars: 14 (26%)
- 4 stars: 4 (7%)
- 3 stars: 2 (4%)
- 2 stars: 3 (6%)
- 1 stars: 31 (57%)

## BHIM KBL UPI Reviews in India

### *---- "Worst app"
I am unable to upgrade app . 
Mobile app developers does not how to handle errors ? 
It’s very strange that asking to upgrade the app and redirecting to App Store . In App Store still old version present . Versioning not handled and many customers facing this problem. Fix it quickly
-- RTNPAG, 2023-05-08

### *---- "Worst app"
Do you even compare your app with other bank app ?
-- sunnytol, 2022-08-03

### *---- "Worst Bank for online banking"
Cant accept a upi mandate, because i am not able to login and when i entered the details its error pops saying virtual if already exist, useless app and bad service
-- rekha7732, 2022-05-07

### *---- "Xyz"
It’s not working my mobile, it’s showing me error error error
-- cldhjk, 2021-01-25

### *---- "Not working . Why are you creating this application"
Not working . Why are you creating this application
-- shahjahan alam, 2021-01-01

### *---- "Error in initial encryption handshake"
What is the purpose of this app? After downloading the app as soon as we open getting the error. Please hire good application developers for building the application.
-- Fazil khan, 2020-11-30

### *---- "Worst application"
This app doesn’t allow wifi to register 😒
Likewise neither with mobile data😏
I don’t know now by which method I should register 🤦‍♂️
-- surya3474, 2020-10-30

### *---- "Flop service"
All apps of this bank are flop, 0 stars for karanataka bank mobile app and 0 stars for atm and passbook machine.
-- Karanataka bank user, 2020-08-10

### *---- "Welcome to worst app experience"
After a month getting my card to door. 
Finally i got an opportunity to see an error message just opening this app. 
Error in initial encryption handshake. 
This message bombards on screen and you won't forget while writing review. 
Thank you kbl for your customer support pun intended.
-- sharath3695, 2020-07-13

### *---- "Not working"
Its not working , i am getting an error in starting 
It says ‘error’ UPI registration not allowed
-- NOOOBBIEE, 2020-06-23

[View all BHIM KBL UPI reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)



## BHIM KBL UPI Discovered Keywords
- bhim kbl upi

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## BHIM KBL UPI Available In
- [India](https://apptail.io/app/bhim-kbl-upi-UYUb/india)
- [United States](https://apptail.io/app/bhim-kbl-upi-UYUb/united-states)
- [Saudi Arabia](https://apptail.io/app/bhim-kbl-upi-UYUb/saudi-arabia)
- [Nepal](https://apptail.io/app/bhim-kbl-upi-UYUb/nepal)
- [Australia](https://apptail.io/app/bhim-kbl-upi-UYUb/australia)
- [Azerbaijan](https://apptail.io/app/bhim-kbl-upi-UYUb/azerbaijan)
- [Belgium](https://apptail.io/app/bhim-kbl-upi-UYUb/belgium)
- [Bahrain](https://apptail.io/app/bhim-kbl-upi-UYUb/bahrain)
- [Brunei](https://apptail.io/app/bhim-kbl-upi-UYUb/brunei)
- [Brazil](https://apptail.io/app/bhim-kbl-upi-UYUb/brazil)
- [Botswana](https://apptail.io/app/bhim-kbl-upi-UYUb/botswana)
- [Belarus](https://apptail.io/app/bhim-kbl-upi-UYUb/belarus)
- [Canada](https://apptail.io/app/bhim-kbl-upi-UYUb/canada)
- [Switzerland](https://apptail.io/app/bhim-kbl-upi-UYUb/switzerland)
- [Chile](https://apptail.io/app/bhim-kbl-upi-UYUb/chile)
- [China](https://apptail.io/app/bhim-kbl-upi-UYUb/china)
- [Colombia](https://apptail.io/app/bhim-kbl-upi-UYUb/colombia)
- [Cyprus](https://apptail.io/app/bhim-kbl-upi-UYUb/cyprus)
- [Czechia](https://apptail.io/app/bhim-kbl-upi-UYUb/czechia)
- [Germany](https://apptail.io/app/bhim-kbl-upi-UYUb/germany)
- [Denmark](https://apptail.io/app/bhim-kbl-upi-UYUb/denmark)
- [Dominican Republic](https://apptail.io/app/bhim-kbl-upi-UYUb/dominican-republic)
- [Algeria](https://apptail.io/app/bhim-kbl-upi-UYUb/algeria)
- [Ecuador](https://apptail.io/app/bhim-kbl-upi-UYUb/ecuador)
- [Estonia](https://apptail.io/app/bhim-kbl-upi-UYUb/estonia)
- [Egypt](https://apptail.io/app/bhim-kbl-upi-UYUb/egypt)
- [Spain](https://apptail.io/app/bhim-kbl-upi-UYUb/spain)
- [Finland](https://apptail.io/app/bhim-kbl-upi-UYUb/finland)
- [France](https://apptail.io/app/bhim-kbl-upi-UYUb/france)
- [United Kingdom](https://apptail.io/app/bhim-kbl-upi-UYUb/united-kingdom)
- [Grenada](https://apptail.io/app/bhim-kbl-upi-UYUb/grenada)
- [Greece](https://apptail.io/app/bhim-kbl-upi-UYUb/greece)
- [Hong Kong SAR China](https://apptail.io/app/bhim-kbl-upi-UYUb/hong-kong)
- [Croatia](https://apptail.io/app/bhim-kbl-upi-UYUb/croatia)
- [Hungary](https://apptail.io/app/bhim-kbl-upi-UYUb/hungary)
- [Indonesia](https://apptail.io/app/bhim-kbl-upi-UYUb/indonesia)
- [Ireland](https://apptail.io/app/bhim-kbl-upi-UYUb/ireland)
- [Israel](https://apptail.io/app/bhim-kbl-upi-UYUb/israel)
- [Iceland](https://apptail.io/app/bhim-kbl-upi-UYUb/iceland)
- [Italy](https://apptail.io/app/bhim-kbl-upi-UYUb/italy)
- [Jamaica](https://apptail.io/app/bhim-kbl-upi-UYUb/jamaica)
- [Japan](https://apptail.io/app/bhim-kbl-upi-UYUb/japan)
- [Kenya](https://apptail.io/app/bhim-kbl-upi-UYUb/kenya)
- [South Korea](https://apptail.io/app/bhim-kbl-upi-UYUb/south-korea)
- [Kuwait](https://apptail.io/app/bhim-kbl-upi-UYUb/kuwait)
- [Cayman Islands](https://apptail.io/app/bhim-kbl-upi-UYUb/cayman-islands)
- [Kazakhstan](https://apptail.io/app/bhim-kbl-upi-UYUb/kazakhstan)
- [Lebanon](https://apptail.io/app/bhim-kbl-upi-UYUb/lebanon)
- [Sri Lanka](https://apptail.io/app/bhim-kbl-upi-UYUb/sri-lanka)
- [Lithuania](https://apptail.io/app/bhim-kbl-upi-UYUb/lithuania)
- [Luxembourg](https://apptail.io/app/bhim-kbl-upi-UYUb/luxembourg)
- [Latvia](https://apptail.io/app/bhim-kbl-upi-UYUb/latvia)
- [Madagascar](https://apptail.io/app/bhim-kbl-upi-UYUb/madagascar)
- [North Macedonia](https://apptail.io/app/bhim-kbl-upi-UYUb/north-macedonia)
- [Mali](https://apptail.io/app/bhim-kbl-upi-UYUb/mali)
- [Malta](https://apptail.io/app/bhim-kbl-upi-UYUb/malta)
- [Mauritius](https://apptail.io/app/bhim-kbl-upi-UYUb/mauritius)
- [Mexico](https://apptail.io/app/bhim-kbl-upi-UYUb/mexico)
- [Malaysia](https://apptail.io/app/bhim-kbl-upi-UYUb/malaysia)
- [Namibia](https://apptail.io/app/bhim-kbl-upi-UYUb/namibia)
- [Nigeria](https://apptail.io/app/bhim-kbl-upi-UYUb/nigeria)
- [Netherlands](https://apptail.io/app/bhim-kbl-upi-UYUb/netherlands)
- [Norway](https://apptail.io/app/bhim-kbl-upi-UYUb/norway)
- [South Africa](https://apptail.io/app/bhim-kbl-upi-UYUb/south-africa)
- [Armenia](https://apptail.io/app/bhim-kbl-upi-UYUb/armenia)
- [Argentina](https://apptail.io/app/bhim-kbl-upi-UYUb/argentina)
- [Austria](https://apptail.io/app/bhim-kbl-upi-UYUb/austria)
- [Ukraine](https://apptail.io/app/bhim-kbl-upi-UYUb/ukraine)
- [Uruguay](https://apptail.io/app/bhim-kbl-upi-UYUb/uruguay)
- [Uzbekistan](https://apptail.io/app/bhim-kbl-upi-UYUb/uzbekistan)
- [Vietnam](https://apptail.io/app/bhim-kbl-upi-UYUb/vietnam)
- [United Arab Emirates](https://apptail.io/app/bhim-kbl-upi-UYUb/united-arab-emirates)
- [New Zealand](https://apptail.io/app/bhim-kbl-upi-UYUb/new-zealand)
- [Peru](https://apptail.io/app/bhim-kbl-upi-UYUb/peru)
- [Philippines](https://apptail.io/app/bhim-kbl-upi-UYUb/philippines)
- [Pakistan](https://apptail.io/app/bhim-kbl-upi-UYUb/pakistan)
- [Poland](https://apptail.io/app/bhim-kbl-upi-UYUb/poland)
- [Portugal](https://apptail.io/app/bhim-kbl-upi-UYUb/portugal)
- [Paraguay](https://apptail.io/app/bhim-kbl-upi-UYUb/paraguay)
- [Qatar](https://apptail.io/app/bhim-kbl-upi-UYUb/qatar)
- [Romania](https://apptail.io/app/bhim-kbl-upi-UYUb/romania)
- [Russia](https://apptail.io/app/bhim-kbl-upi-UYUb/russia)
- [Sweden](https://apptail.io/app/bhim-kbl-upi-UYUb/sweden)
- [Singapore](https://apptail.io/app/bhim-kbl-upi-UYUb/singapore)
- [Slovenia](https://apptail.io/app/bhim-kbl-upi-UYUb/slovenia)
- [Slovakia](https://apptail.io/app/bhim-kbl-upi-UYUb/slovakia)
- [Senegal](https://apptail.io/app/bhim-kbl-upi-UYUb/senegal)
- [Suriname](https://apptail.io/app/bhim-kbl-upi-UYUb/suriname)
- [Thailand](https://apptail.io/app/bhim-kbl-upi-UYUb/thailand)
- [Tunisia](https://apptail.io/app/bhim-kbl-upi-UYUb/tunisia)
- [Türkiye](https://apptail.io/app/bhim-kbl-upi-UYUb/turkey)
- [Taiwan](https://apptail.io/app/bhim-kbl-upi-UYUb/taiwan)
- [Belize](https://apptail.io/app/bhim-kbl-upi-UYUb/belize)
- [Uganda](https://apptail.io/app/bhim-kbl-upi-UYUb/uganda)
- [Oman](https://apptail.io/app/bhim-kbl-upi-UYUb/oman)
- [Bolivia](https://apptail.io/app/bhim-kbl-upi-UYUb/bolivia)
- [Angola](https://apptail.io/app/bhim-kbl-upi-UYUb/angola)

---

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