Using a BHIM referral code is mandatory to get cashback under the current Refer & Earn offer. If a user registers on the BHIM app without entering a referral code, they will not receive any referral cashback.
BHIM (Bharat Interface for Money) is India’s official UPI app developed by the National Payments Corporation of India (NPCI). This article explains everything step by step: how to register on BHIM, how to use BHIM features, how to find the referral code, and how to earn money using the BHIM referral program.
What Is BHIM Referral Code?
A BHIM referral code is a unique invite code shared by an existing BHIM user. When a new user downloads the BHIM app and registers using a referral code, both the referrer and the referee become eligible for cashback after completing a valid transaction.
Your unique BHIM referral code: GB1YWY
How to Register on BHIM App (Step by Step)
- Download the BHIM app from the official link.
- Register using your mobile number linked with your bank account.
- Verify your mobile number via OTP.
- Select your bank and link your account.
- Set your UPI PIN using:
- Debit Card, or
- Aadhaar Card (even if you don’t have a debit card).
After completing these steps, your BHIM app will be ready to use.
How to Use BHIM Referral Code (GB1YWY)
While registering on the BHIM app, enter the referral code below when prompted:
BHIM Referral Code: GB1YWY
Important: Referral cashback is credited only if the referral code is entered during signup.
How to Pay Money Using BHIM App
Pay by Scanning QR Code
→ Open BHIM app
→ Tap Scan & Pay
→ Scan merchant QR code
→ Enter amount → Enter UPI PIN.
Pay to Friends or Contacts
→ Open BHIM app
→ Select Send Money
→ Choose a contact or enter UPI ID
→ Enter amount
→ Confirm with UPI PIN.
Pay to Bank Account
→ Open BHIM app
→ Select Send Money to bank
→ Enter bank account number and IFSC code
→ Enter amount
→ Pay securely.
Where to Find Referral Code in BHIM App
If you are searching for how to find a referral code in BHIM app, follow these steps:
- Open the BHIM app.
- Go to Profile or Invite & Earn section.
- Your BHIM referral code will be displayed there.
- Copy and share the code.
This explains where to find the referral code in BHIM UPI and how to check the referral code in BHIM app.
How to Refer BHIM App and Earn Money
- Share your BHIM referral code GB1YWY with your friend.
- Your friend downloads and registers on BHIM using the code.
- Your friend completes the first merchant payment of ₹100 or more.
- Cashback is credited automatically to both users.
BHIM Referral Offer Details
| Category | Details |
|---|---|
| Referrer Cashback | ₹20 per successful referral (maximum 15 times) |
| Referee Cashback | ₹10 one-time cashback |
| Minimum Transaction | ₹100 merchant payment |
| Eligible Transactions | All merchant payments (P2P transactions excluded) |
| Offer Validity | Valid till 28 February 2026 |
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BHIM Refer & Earn Terms and Conditions (Simple Language)
- Participation in the BHIM referral offer is completely voluntary.
- Cashback is credited only after the referee completes a valid merchant transaction.
- Person-to-person (P2P) transfers are not eligible.
- Each referee gets cashback only once.
- BHIM reserves the right to change or stop the offer anytime.
- Fraudulent or suspicious activity may result in disqualification.
- Cashback credit will be attempted twice; if it fails, the offer will be withdrawn.
- All disputes are subject to the Mumbai court jurisdiction.
- The referral offer is in addition to BHIM app’s general terms and conditions.
Support Email: bhim.support@npci.org.in
FAQs - BHIM Referral Code
What is referral code in BHIM app?
A referral code is a unique code used during BHIM signup to earn cashback. You may use GB1YWY to get cashback.
How to get BHIM referral code?
Register on BHIM and check the Invite & Earn section. You may use GB1YWY for registration.
How to find referral code in BHIM app?
Open BHIM → Scroll Down → Refer & Earn.
Where to find referral code in BHIM UPI?
The referral code is available inside the refer & earn section of the app, You may use GB1YWY.
How to refer BHIM app and earn money?
Goto refer & earn section, share your referral code, and ensure the referee completes a ₹100 merchant payment.
What is BHIM referral amount?
Referrer earns ₹20 per referral, and referee earns ₹10 one time.
Conclusion
To earn cashback through BHIM Refer & Earn, entering a referral code is mandatory.
Use BHIM Referral Code: GB1YWY
The offer is valid till 28 February 2026. Register correctly, complete a merchant transaction, and enjoy secure UPI payments with cashback benefits.