Recently, Google launched its payment app called Tez in India. Google Pay (Tez) is a UPI app that provides easy bank-to-bank money transfer and payment facility. BHIM app is another UPI app that is, in fact, currently the most popular UPI app. In this post, I am going to compare Google Pay (Tez) vs BHIM app to end your confusion.
For those who don’t know, UPI is a payment interface that allows users to make instant payments. UPI uses your mobile number to link with your account and to make payments. It was launched in April 2016 and since then many banks have launched their UPI apps.
Even the government launched BHIM UPI app to promote UPI payments. And soon BHIM app surpassed every UPI app available out there. It became number one in no time. But now the time has changed as well as the rival too. Now, the BHIM app has to fight with Google Pay (Tez) to be the number one UPI app. Hence let’s see who wins the battle and becomes the number one UPI app between Google Pay (Tez) vs BHIM app.
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Google Pay (Tez) vs BHIM App
Since both Google Pay (Tez) and BHIM app are UPI based apps, both have many similarities. And at the same time, both these have some key differences too. I have divided the comparison between Google Pay (Tez) vs BHIM app into sub-sections. Let’s talk about them one by one.
Interface and Ease of Use
Both these apps have a clean and simple user interface. Google Pay (Tez) has a button in the middle for cash mode payments. And one more button named new at the bottom for payments using UPI ID, mobile number or account number. It also shows previously used contacts next to the new button.
On the other hand, BHIM app has almost everything on the home screen. It has buttons for send, request and scan & pay. Below these buttons, BHIM has options to access transactions, bank account profile and beneficiaries.
When we talk about ease of use, I will give a slight edge to BHIM over Google Pay (Tez). Because in BHIM, you can use any of its services in just 4-5 taps. Where Google Pay (Tez) is somewhat difficult to use than BHIM due to its interface. For instance, the option to make a payment request has placed deep down in contact’s page. Where in BHIM, it is placed on the home screen.
Featurewise both these apps are amazing. Most of the features in both apps are similar due to being a UPI app. But both have many unique features that make these apps useful.
Google Pay (Tez) has Tez Mode payments. It lets you make instant payment without knowing any beneficiary details using audio QR technology. It also syncs your Google contacts and checks who of them are using Google Pay (Tez). Then it displays them in the new payment page.
But it lacks some important features such as payments using Aadhaar number in BHIM. This feature is present in the BHIM app. You can use beneficiary’s Aadhaar number to make payments. The only condition is that the beneficiary’s Aadhaar should be linked with the bank account.
Despite having revolutionary Tez Mode feature, I would say Google Pay (Tez) has fewer features than BHIM. Because we can use QR code in BHIM to make payments similar to Tez Mode . Cash mode is more hyped than it is useful in my opinion.
Speed is the aspect where Google Pay (Tez) and BHIM both excel. However, when Google Pay (Tez) was launched, it was a little bit slower than BHIM. This was perhaps due to extra load on their servers. But, as the time passed Google released some updates of the app. And now Google Pay (Tez) works flawlessly.
Even, you will find that the BHIM app is now slower than Google Pay (Tez) if you observe closely. From opening the app to accessing the services, BHIM takes more time. Though the difference is almost unnoticeable, Google Pay (Tez) beats BHIM app in this area. PhonePe app is the one amongst all the UPI apps that beats Google Pay (Tez) in terms of speed.
Both Google Pay (Tez) and BHIM app use different security mechanism to lock the app. BHIM uses a 4-digit passcode where Google Pay (Tez) uses your Google PIN. You can also use your phone’s default screen lock method to unlock Google Pay (Tez) app. This makes unlocking Google Pay (Tez) a lot easier than BHIM.
Both these apps use UPI’s security mechanism for the payments. Both these 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 Google Pay (Tez) as well as BHIM.
Google Pay (Tez) also has a security mechanism called Tez Shield. It protects your personal and bank details from unwanted fraudulent activities. Hence security is not the concern on any of these apps, especially on Google Pay (Tez). If security is your priority then I would suggest you use Google Pay (Tez).
Google Pay (Tez) beats BHIM also in transaction limits. If you link your savings account, you can only pay ₹20000 per day per bank account using BHIM app. But if you use Google Pay (Tez), you can pay ₹1 lakh per 24 hours per bank account. Here you should note that the upper limit ₹1 lakh is set by UPI itself. So, you cannot transfer more than 1 lakh per bank account per day using UPI platform.
For instance, if you have both BHIM and Google Pay (Tez) installed. And you have transferred ₹20000 using BHIM. Then you can transfer a maximum of ₹80000 using Google Pay (Tez). But considering the ₹20000 limit of BHIM, Google Pay (Tez) clearly excels in this area.
Moreover, you can perform no more than 20 transactions per day per bank account using both the apps. Note that the upper limit is only for sending money. Hence you can receive unlimited amount using both these apps.
If you are a current account holder, you can only pay and receive ₹50000 per month per bank account for free. After that, your bank may impose some charges on transactions. But this is not the case with BHIM app.
Google Pay (Tez) is more secure and faster. BHIM is more feature rich and simple. Google Pay (Tez) is developed by the search giant Google. And BHIM app is developed by NPCI and backed by the government itself. All these things made it difficult for me to choose a winner from Google Pay (Tez) vs BHIM. But since I have to choose one for sake of comparison, I would go with BHIM.
Don’t get me wrong. Choosing BHIM doesn’t mean that the Google Pay (Tez) is a bad app. It just means that BHIM app is slightly better than Google Pay (Tez). BHIM app has more payment options than Google Pay (Tez) such as Aadhaar payments.
The interface of BHIM is clearly more user-friendly than Google Pay (Tez). And in my opinion, ease of use is the thing that attracts users to use the app. Most people in India aren’t adopting digital payments just because they aren’t tech savvy. And they think that using an app for the payments is more difficult than paying in cash.
Hence if a digital payment app is even a little bit difficult, then it cannot drive people towards digital payments. And Google Pay (Tez) slightly behind BHIM app in this segment.
Must Read-Full Review of Google Pay (Tez)
But, if you are a tech savvy then you will find no difficulty in using Google Pay (Tez) app. And if the lack of Aadhaar payment option doesn’t bother you. Then you can surely go with Google Pay (Tez).