BHIM app and Google Pay (formerly Tez) are both UPI based apps. Both have strikingly same features. At the same time both can be seen sporting its own unique differences too. Let's look into those differences in a more detailed manner for clear understanding.



Google Pay (Tez)

Ease of use and Interface

BHIM app has all the features on the home screen like the send, request, scan and pay. And just below these, you can find the options to access the transaction records, bank account profile and rewards.

Google Pay has the payment button right in the middle of the screen and you can also make payments using the UPI ID, mobile number or account number.


BHIM app is comparatively slower than Google Pay.

Google Pay is faster but PhonePe surpasses it.


BHIM app has a unique feature which lets users make payments using Aadhar Card. You can use the beneficiary's Aadhaar number to make payments. The only condition is that the beneficiary’s Aadhaar should be linked with the bank account.

Google Pay has Tez Mode payments. It lets you make instant payment without knowing any beneficiary details using QR technology. It also syncs your Google contacts and checks who of them are using Google Pay. Then it displays them on the new payment page.

But it lacks some important features such as payments using Aadhaar number, which is available in BHIM.


BHIM uses a 4-digit passcode. It uses UPI’s security mechanism for the payments. It works on two-step authentication for payments. The first step is your mobile number. Your SIM that is registered with your account should be inserted in the phone. And the second step is your UPI PIN. You must enter the UPI PIN to perform any transaction through BHIM.

Google Pay also has a security mechanism called Tez Shield. It protects your personal and bank details from unwanted fraudulent activities. Google Pay uses a 4-digit Google PIN. You can also use your phone’s default screen lock method to unlock Google Pay app. This makes unlocking Google Pay a lot easier than BHIM.

Transaction Limits

If you link your savings account, you send funds up to Rs. 20,000 per day per bank account using BHIM app. And you can perform no more than 20 transactions per day per bank account.

If you use Google Pay, you can send funds up to Rs. 1 lakh per 24 hours per bank account. Here you should note that the upper limit Rs.1 Lakh is set by UPI itself. So, you cannot transfer more than 1 lakh per bank account per day using any UPI platform. And you can perform no more than 20 transactions per day per bank account.