BHIM vs tricount

BHIM is a free UPI payment app for Android and iOS that sends money directly between bank accounts and handles payment requests. Users can pay with a UPI ID, a UPI-registered mobile number, or an account number and IFSC code, and can link up to five bank accounts. BHIM describes the service as available 24x7. Its FAQ states a limit of Rs 40,000 per transaction and Rs 40,000 per day for each linked account; new users have a Rs 5,000 limit during their first 24 hours. Bill Pay supports electricity, gas, DTH, telecom, loan EMI, insurance, water, FASTag, cable TV, and education bills when the bank is enabled on Bharat Bill Pay. Merchants can add up to three collection agents with individual QR codes. A UPI PIN authenticates transactions. The privacy policy says BHIM may collect phone, financial, transaction, device, SIM, IP address, and location information, while not storing contacts when access is granted. Completed transactions cannot be reversed unless the recipient refunds them.

tricount is a free Android and iOS app for dividing shared expenses among friends, households, couples, travel groups, events, and clubs. Groups maintain a shared list showing each expense and who paid, then assign individual shares when an equal split is unsuitable. Costs can be entered in different currencies while a trip total is followed in one currency. Users can add expenses without a signal and synchronize them later, and existing Splitwise group expenses can be imported. Payment requests can be shared with people who owe money; split payments and instant transfers are supported. Linking a bunq Card can add shared purchases automatically. The free plan costs nothing, with no ads and no limits. The features page also describes optional paid travel eSIM data plans provided by bunq. bunq B.V. owns and operates tricount from Amsterdam, and support includes 24/7 live chat and email.