Fintech Manually verified: July 2026 by ReferBenefits Team

BHIM Referral Code & Sign Up Bonus

Maximize your rewards when creating a new account.

Your Sign-Up Reward

Get cashback on your first transaction
Referral Code:PJpHap
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Claim ₹25 on BHIM

By using our link/code, we may earn a commission: "Get ₹25 cashback when your friend completes their first UPI transaction.". This helps keep ReferBenefits free!

How to Claim Your Bonus

ℹ️ Outbound links on this page are affiliate links.
1

Download the BHIM app from the Google Play Store or Apple App Store.

2

Open the app and select your preferred language.

3

Verify your mobile number, ensuring it's linked to your bank account.

4

Select the bank account you wish to link with BHIM.

5

Set up your 4-digit or 6-digit UPI PIN (if you haven't already).

6

Navigate to the 'Refer & Earn' or 'Referral Code' section within the app (this might be in the profile or settings menu).

7

Enter the referral code PJpHap in the designated field.

8

Make your first UPI transaction (e.g., send money to a friend, pay a merchant via QR code, or make a bill payment).

9

Your cashback will be credited to your linked bank account within a few days.

✅ Pros

  • Government-backed and highly secure for all transactions.
  • Supports all major Indian banks for seamless UPI payments.
  • Simple, intuitive interface perfect for everyday transactions.
  • Reliable and fast for sending and receiving money.
  • Completely free to use with no hidden charges.

❌ Cons

  • User interface can feel less modern compared to private competitors.
  • Lacks advanced features like bill splitting or credit card payments.
  • Customer support might be slower than private fintech apps.

BHIM App: Your Gateway to Secure UPI Payments with a Welcome Bonus!

The BHIM (Bharat Interface for Money) app is India's premier government-backed digital payment application, designed to facilitate fast, secure, and reliable transactions using the Unified Payments Interface (UPI). Developed by the National Payments Corporation of India (NPCI), BHIM has become a cornerstone of India's digital economy, empowering millions to transact directly from their bank accounts.

Why Choose BHIM?

BHIM stands out for several compelling reasons:

  • Unmatched Security: Being a government initiative, BHIM prioritizes security with robust encryption and multi-factor authentication, giving users peace of mind for every transaction.
  • Universal Compatibility: It supports all major Indian banks, allowing you to link multiple bank accounts and manage your finances from a single app.
  • Simplicity and Speed: The app boasts a clean, user-friendly interface that makes sending, receiving, or scanning to pay incredibly easy and quick.
  • Reliability: Experience near-instantaneous money transfers, making it ideal for everything from paying merchants to sending money to family and friends.
  • Zero Transaction Fees: Unlike some private apps that might have hidden charges for certain services, BHIM is completely free for all UPI transactions.

Unlock Your Welcome Bonus with Referral Code PJpHap!

New to BHIM? You're in luck! When you sign up using a referral code, you can kickstart your digital payment journey with a fantastic bonus. Simply use our exclusive referral code PJpHap during registration and make your first UPI transaction to earn a welcome cashback.

How to Maximize Your Sign-Up Bonus:

Claiming your bonus is straightforward. After linking your bank account and setting up your UPI PIN, simply make any eligible UPI transaction – it could be paying a friend, scanning a QR code at a store, or making a bill payment. Ensure this is your very first transaction on BHIM to qualify for the cashback. The cashback amount is typically credited directly to your linked bank account within a few business days.

Join the millions of Indians who trust BHIM for their daily financial needs. It's secure, fast, and now, even more rewarding with our special referral offer!

Frequently Asked Questions

What is the BHIM app?

BHIM (Bharat Interface for Money) is a government-backed mobile payment application that allows users to make simple, fast, and secure transactions using the Unified Payments Interface (UPI).

Is BHIM secure for my transactions?

Yes, BHIM is highly secure. It's developed by NPCI (National Payments Corporation of India) and uses multi-factor authentication, including your UPI PIN, to ensure the safety of your transactions and personal data.

How do I claim the referral bonus with code PJpHap?

After downloading and setting up the BHIM app, look for a 'Refer & Earn' or 'Referral Code' section, usually in your profile or settings. Enter 'PJpHap' there, then make your very first UPI transaction to receive your cashback.

What kind of transactions are eligible for the first transaction cashback?

Typically, any successful UPI transaction made for the first time after signing up with a referral code is eligible. This includes sending money to contacts, paying merchants via QR code, or making bill payments. Always check the specific offer terms within the app for any exclusions.

⚠️ Disclaimer

Please independently verify all details and terms of service of the third-party apps or platforms before participating. ReferBenefits is not responsible for any direct or indirect financial outcomes, profits, or losses.

All referral links and promo codes are provided for informational and promotional purposes only. We aim to keep listings accurate, but we do not guarantee the availability or validity of third-party offers.

Engaging with external services and using these codes is done entirely at your own discretion and risk.

Please make financial decisions responsibly. 🙏