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Wilford   , 21

from Phoenix

Bhim app security; how safe is it?

Bhim is safer than most E-wallet apps around. And it’s not just something a random blogger on the internet is saying. This is something said by Saket Modi, CEO of Lucideus, a prominent firm involved in testing UPI based application’s safety. That is reason enough to trust the app.


But we aren’t going to ask you to make your peace. We have a detailed evaluation of the service’s features, where we tell you how secure and airtight each of them is. Read on to find out.


Aadhaar Money transfer through BHIM app


Aadhaar Cards are the latest initiative by the Indian Government to make identification of people easier and convenient, as well as to cut through bureaucratic red tape. After the release of BHIM app, Aadhaar Cards linked to bank accounts can now be used to send and request payments.


Aadhaar Cards began to be linked to bank accounts over a year ago, so there are thousands on thousands of accounts that are now enabled to transact money using those details. You can get your card linked to your bank account still. Contact your bank representatives.


Aadhaar Card money transfers via BHIM app are highly safe in our evaluation. The transaction only requires you to know the other party’s Aadhaar Card number, or UID number as it may be labeled on the card. The money is delivered directly to the person’s bank account, and the service is not subject to bank hours or holidays, or any other otherwise common restrictions.




IFSC Code transfer through BHIM app


The other way to exchange money through the BHIM app is to do it using the Bank account number and the IFSC code of the branch where the account exists. The IFSC code can also be googled for in case you don’t know it or cannot remember it, which shows how easy it is to use.


Bhim app for windows and windows phone


Bank Account numbers and IFSC codes have been employed to transfer funds for long now, and have even been seen in other prominent apps by major banks in the Indian economy currently, such as Axis bank. The problem with such transfers by private banks seems to be the fee they charge per transfer. BHIM doesn’t have any fee (or at least now).


Since the method has been used for long now, it can be said with a good deal of certainty that it is a safe method. BHIM app’s interface makes it easier and intuitive to go through the steps.


BHIM app QR Code money transfer


BHIM app comes with the latest QR Code generating capacity which makes it very easy to use and manage through most modern cellphones. QR codes are also unique to the person they are generated for, which means there is little chance of duplication and misquoting/mistyping that can be a problem with manual entry of details. This makes the app a lot more safer and reassuring.


BHIM App: General Safety


BHIM app can be regarded as pretty safe going through the above details. To add credibility to it, the app is brought to you by a body subsidiary to the Reserve Bank of India. The app requires you to make your own passcode, which you must keep to yourself. As long as you have it, nobody but you can get into your BHIM app account.

With all these details, I would say the BHIM app is rather secure, and virtually air tight. You should definitely try it out!