BHIM App is an UPI based payment app which allows one to do banking transactions from their phone. It is a very simple app with options such as send money, scan and pay, request money and also allows to check bank balance instantly. It is very easy to use.
One just need to register with the mobile number which is registered with their bank account to use this app. I find it very secure because it always prompts a passcode before accessing the app and also provides a different pin to perform transaction.
But this app is not good enough if compared to my favorite app PhonePe which is also an UPI app but has more useful features such as mobile recharge, bill payment, linking more than one bank account in the app and also provides various cash backs. So I think that BHIM App needs to add more features in their app.
There is another problem with this app which is their customer support. Once I made a transaction which failed due to some reason and the money was deducted from my account. And it took me 25 days to get my money refunded because the customer service was unable to solve my problem. I had to then write several emails to my bank to finally get my money back.
I do recommend this app because it is simple and I found a solution to reduce the chances of transaction failure by always checking my bank balance before performing any transaction. But if someone want an UPI app with more features then they should try PhonePe.