Most of us are now going cashless and using UPI payment apps for daily transactions and this is possible only by using the UPI PIN number.
But if you are wondering ‘is debit card necessary for UPI’, the answer is ‘No’. Here’s how you can generate a UPI PIN even if you don’t have a debit card.
Can I use UPI Without Debit Card?
If your query is - ‘how to generate UPI PIN without debit card’, follow the step by step guide given below. 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.
STEP- 4: Now select the ‘Aadhaar based verification’ option, and accept the terms and conditions.
STEP- 5: Enter the first 6 digits of your Aadhaar number to validate and click on ‘Confirm’.
STEP- 6: Set your 4-digit UPI PIN.
STEP- 7: You will receive an OTP on your registered mobile number which you need to enter.
STEP- 8: Then, enter the UPI PIN you set in the previous step and click on ‘Confirm’ to complete the registration process.
Things Required to Set UPI PIN without Debit Card
You may not be a debit card user for various reasons, but you can still use UPI apps easily. Now that you have the answer to ‘how to set UPI PIN without debit card’, here is a list of all the prerequisites-
Your Aadhaar card must be linked to your bank account
Your mobile number should be linked to both your Aadhaar card and your bank account
You need to use the linked bank account while setting up your UPI ID
Benefits of Using UPI for Payments
If you are not a debit card user, chances are that you use cash for most of your regular transactions. But there are many benefits of going cashless and embracing UPI.
Take a look at the benefits of using UPI for payments-
Contactless and cashless payments
No hassle of withdrawing cash and carrying it everywhere
Make payments seamlessly through your phone
Keep a track of all your expenses easily
Complete transactions securely
Free of cost
Conclusion
Thanks to the easy access to smartphones and the internet, it is not a surprise that we use them for all kinds of services. The most recent addition to the list is making payments through our phones using UPI apps. It is secure, and saves you from the hassle of carrying cash of various denominations with you. The best part? Even if you don’t have a debit card, you can still use UPI for payments.
FAQs
Customer can set UPI PIN by using Aadhaar OTP platform validating his first 6 digits of Aadhaar number and entering Aadhaar OTP & Issuer OTP.
Can we create an UPI PIN with an Aadhaar card? ›
Customer can set UPI PIN by using Aadhaar OTP platform validating his first 6 digits of Aadhaar number and entering Aadhaar OTP & Issuer OTP.
How can I set my UPI PIN without a debit card? ›
1. How to reset a UPI PIN without a debit card? To reset your UPI PIN without a debit card, you must go to the payment methods section of your UPI app, select UPI, select Aadhar-based authentication, verify using OTPs sent from your bank and UIDAI, then reset your UPI PIN, and confirm it.
How can I reset my UPI PIN with Aadhar card? ›
Tap Set or Reset next to UPI PIN under that account. Select the Aadhaar number linked with bank option and tap Proceed. Enter the first 6 digits of your Aadhaar number. Note: You will receive two OTPs, one from your bank and one from UIDAI.
How to activate Gpay with Aadhaar card? ›
Select the account that you want to add from the list of accounts. To verify your account, you need to add in your Aadhaar details: Enter the first six digits of your Aadhaar number and follow the on-screen instructions. Next, you'll need to create a UPI PIN. To create a UPI PIN, follow the on-screen instructions.
Can we generate UPI ID without debit card? ›
Unfortunately, no. The only way to set up a UPI ID without a debit card is to use your Aadhaar card. If you don't have either of them, you won't be able to set up your UPI ID.
Is a debit 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.
How to generate UPI PIN? ›
To set your UPI PIN, you must first download the Paytm UPI payment application which supports the UPI service. After downloading the application, you need to visit the 'UPI' or 'Send Money To Anyone' section in the Paytm application, go to the bank account, and select the 'Create UPI PIN' option.
Can I use Gpay without a debit card? ›
With this feature, you can withdraw money from an ATM with your Google Pay app without the use of your debit card.
How can I activate UPI without bank account? ›
Download the app: Install the app from the Google Play Store or Apple App Store. Register: Sign up using your mobile number and complete the necessary verification steps. Create wallet: Set up your digital wallet within the app. Generate UPI ID: Follow the app instructions to create your UPI ID linked to the wallet.
I am not able to set my UPI PIN. What do I do? You will require the last 6 digits and expiry date of your debit card to set the UPI PIN. If you fail to receive the OTP in time, kindly click on the 'Resend OTP' option.
What is my 6-digit UPI PIN? ›
A UPI PIN is a unique 4 or 6-digit code or password that you need to set for each bank account to enable UPI payments on any app. You will need to enter your UPI PIN on the PhonePe app for any payments you wish to make through UPI.
How to set UPI pin without debit card? ›
How to Create UPI PIN Without Debit Card?
- Install any UPI-enabled app, like PayZapp, on your smartphone.
- Add your bank account/accounts.
- Select the option to set UPI PIN for your bank account.
- The app will ask you to select the setting of PIN via Debit Card or Aadhaar.
- Select 'Aadhaar' and provide consent.
Steps to set up UPI PIN using an Aadhaar card
- Step 1: Choose your preferred UPI app. ...
- Step 2: Register your bank account and link it with your UPI app. ...
- Step 3: Obtain UPI service. ...
- Step 4: Create your new UPI PIN with your Aadhaar card. ...
- Step 5: Verify your identity. ...
- Step 6: Create your UPI PIN. ...
- Step 7: Start doing transactions.
Yes, it is possible to start a UPI with an aadhaar card in SBI. In order to start the UPI, you should use the same number linked to your bank account and aadhaar card.
Which bank allows Aadhaar UPI? ›
Live Banks
| Sr No. | Banks Enabled in Production |
|---|
| 11 | Canara Bank |
| 12 | Catholic Syrian Bank |
| 13 | Central Bank of India |
| 14 | Chaitanya Godavari Grameena Bank |
58 more rowsYou can also change your UPI PIN using Google Pay:
- Open Google Pay .
- At the top right, tap your photo.
- Tap Bank account.
- Tap the bank account you want to edit.
- Tap More Change UPI PIN.
- Enter your old UPI PIN.
- Create a new UPI PIN.
- Enter the same UPI PIN again.
To set your UPI PIN, navigate to the app's settings or UPI number section. You may be required to enter your Debit Card details, including the card number and its expiration date. Following this, you will be prompted to create a 4 or 6-digit UPI number.
