PhonePe is a digital payment system extensively used in India. This UPI system has made digital transactions much easier, paving the way for the digitization of India.
Additionally, PhonePe has a hassle-free user interface that allows for effortless onboarding of new users. To learn how to create an account in Phonepe without a debit card, read on!
Can We Use Phonepe Without ATM Card?
PhonePe has a simple application design that makes it easy for anyone to create an account. If you are looking to create a new account in PhonePe without an ATM card, follow these steps.
Step 1: Download the PhonePe app on your mobile device
Step 2: Register on the app using your mobile number and the OTP
Step 3: Once logged in, click on the profile in the top left corner
Step 4: Under “Payment Methods”, select “Add bank account”
Step 5: Next, choose the bank you want to add
(Note that the bank account must be linked to the number you registered with PhonePe)
Step 6: Once you select the bank, PhonePe will send an SMS from the registered mobile number to the bank for verification
Step 7: After successful verification, your bank account will be automatically fetched and linked to PhonePe
Once you add your bank account, you must set a PIN for your UPI account to secure the transactions. You can either use your debit card or your Aadhaar number to set the PIN.
How to Set or Reset UPI PIN Without Debit Card?
Previously, to set or reset the UPI PIN, a debit card was necessary. However, PhonePe has introduced a new method to aid those who may not have their debit cards readily available. Here is the step-by-step process of setting a UPI PIN without a debit card.
Once you add your account, click on your profile picture in the top left corner
Select your bank account under “Payment Methods”
Choose either “Set” or “Reset” next to “UPI Pin”
Select the Aadhaar card option and click on proceed
Enter the first 6 digits of your Aadhaar number
You will receive two OTPs, one from UIDAI and another from your bank
Enter the OTPs for verification
Next, set the UPI PIN and re-enter it for confirmation
Tap confirm and your UPI PIN is set
Note: To employ this process, the mobile number linked to your bank account, Aadhaar card, and PhonePe account must be the same.
Why Can’t I See the Aadhaar Option To Set My UPI PIN?
Some users may not get the option to change their UPI PIN using an Aadhaar number. It can be due to any one of the following reasons.
You may have entered your Aadhaar number wrong twice in a row. If so, try again after 24 hours
The bank account you are trying to add on Phonepe is not linked to your Aadhaar card
Your bank might not yet support setting a UPI PIN using an Aadhaar number
In these cases, you have to use your debit card to set your PIN. If you don’t have a debit card, approach your bank and resolve the issue.
FAQs
To activate PhonePe without an ATM card, you can use the following methods: Aadhaar: If you have an Aadhaar card and a bank account linked to your Aadhaar number, you can activate PhonePe using your Aadhaar number. UPI: If you have a UPI ID linked to your bank account, you can activate PhonePe using your UPI ID.
Can we create PhonePe without an ATM card? ›
To activate PhonePe without an ATM card, you can use the following methods: Aadhaar: If you have an Aadhaar card and a bank account linked to your Aadhaar number, you can activate PhonePe using your Aadhaar number. UPI: If you have a UPI ID linked to your bank account, you can activate PhonePe using your UPI ID.
Which UPI app register without ATM card? ›
Step-By-Step Procedure to Set UPI PIN Without Debit Card
The following steps will guide you in setting up your UPI PIN using your Aadhar Card. Download a UPI application app such as BHIM UPI, Google Pay, PhonePe, or Paytm. Go to your profile and select 'Set up payment method' or 'Add bank account'.
How to link bank account without ATM card? ›
How to Use UPI Without Debit Card?
- Log into the UPI payment app.
- Tap on the 'Add UPI ID' option.
- Choose the bank account you want to link. ...
- Create your UPI ID according to the character and format requirements of your preferred UPI app.
- Select the 'Aadhaar-based verification' option.
These terms and conditions regulate the payments under the Payment Card Networks (AMERICAN EXPRESS, DINERS CLUB,MASTERCARD,RUPAY, MAESTRO, VISA or any other Payment Card Network that might be offered or used to make Payments on PhonePe Platform).
Can I pay without ATM card? ›
You can use UPI without debit cards. You will need your Aadhaar number. The only caveat is that you still need a bank account, and you should link the bank account intended for UPI transactions to the registered mobile number linked to your Aadhaar Card.
Can I open PhonePe with PAN card? ›
Tap PhonePe Wallet on your home screen. Tap Upgrade Wallet. Verify your PAN, Aadhaar and address. Complete your Video Verification (Video KYC).
Is an ATM card necessary for UPI? ›
No, a debit card is not strictly necessary for making UPI payments in India. You can make UPI payments by directly linking the bank account or through Aadhar-based registration in the UPI app.
Is an ATM card necessary for Google Pay? ›
Can you use Google pay without a debit card? Yes, Google pay works with UPI and only thing you need for UPI registration is an active bank account and a mobile number linked to it . This mobile number should be active and in your phone on which you are registering Google Pay.
How can I transfer money without UPI and ATM card? ›
How to send money offline?
- USSD banking: Some banks offer USSD (Unstructured Supplementary Service Data) banking services, allowing basic transactions like money transfers using mobile phone menus. ...
- Aadhaar pay: This service allows sending money using Aadhaar numbers.
You can have a net banking facility even without Debit Card. You have to request the bank to provide net banking facility. The bank will issue a kit which includes your user ID and a password. The password given by the bank may be changed with your own password and you can start your net banking transaction.
How to set UPI PIN without debit card in PhonePe? ›
How to Set UPI PIN in Phonepe Without Using Debit Card?
- In the upper left corner of your profile, click on the picture of your account.
- Go to “Payment Methods” and choose the bank account you wish to set UPI PIN for.
- Select “Set” or “Reset” next to “UPI Pin”
You can use your Phonepe without needing a debit card. 2. How To Use Phonepe Without ATM Card? You can use your mobile linked to the bank account to set up the bank account in UPI and use your Aadhaar number to set the UPI PIN.
How can I register my UPI account without debit card? ›
All you will need is your Aadhaar card .
- STEP- 1: Login to your preferred UPI app and find the 'Add UPI ID' option.
- STEP- 2: Choose the bank account that is linked to your Aadhaar card for the process.
- STEP- 3: Create a UPI ID according to the app, and check if it is available.
Upon adding your bank account to your Paytm wallet, you can access numerous benefits such as: Seamless Online Transactions: You do not need to carry credit and debit cards to transfer money to your bank account. Paytm enables you to deposit funds directly without any hassle.
Can I open mobile banking without ATM card? ›
You can have a net banking facility even without Debit Card. You have to request the bank to provide net banking facility. The bank will issue a kit which includes your user ID and a password. The password given by the bank may be changed with your own password and you can start your net banking transaction.
Is an ATM card necessary for Paytm? ›
Besides using the ATM card, you can also opt for Paytm to carry out financial transactions. Paytm also makes it easy to send money to anyone from anywhere in an instant. Users can opt for varied payment methods like wallet, credit card, UPI, or debit card to transfer money via the Paytm App.
What are required to create PhonePe? ›
All you need is your 10-digit mobile number. I want to create a new account. Step 1: Enter the 10-digit mobile number with which you would like to create an account. Step 2: Enter the OTP you receive.
