PhonePe is one of India’s most trusted digital payment systems that allows users to seamlessly link their bank accounts to the app and pay for their purchases in an instant.
Users must set a PIN using their debit card to ensure the account is secure. However, PhonePe has introduced a new method in which users can set their UPI PIN without a debit card.
In this article, we will take you through the step-by-step process of setting PhonePe PIN without a debit card
How to Set UPI PIN in Phonepe Without Using Debit Card?
PhonePe unveiled a new method that allows setting UPI PIN without using a debit card. Using this process, you can easily set your UPI PIN in simple steps.
Create a UPI PIN without a debit card by following these steps.
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”
Next, you will be given an option to either choose a debit card or an Aadhaar card to set the PIN
Select the “Aadhaar Card” option instead of Debit card and click on proceed
On the next screen, enter the first 6 digits of your Aadhaar number
You will have to verify your Aadhaar and mobile number
There will be two OTPs you receive, one from the UIDAI and another from your bank
Enter the OTPs for successful verification
Now, set a secure PIN and re-enter it for confirmation
Tap confirm and your UPI PIN is set
Note: For this process to work, the mobile number associated with your bank account, Aadhaar card, and PhonePe account must be the same.
Why Am I Unable To Set My UPI PIN Using The Aadhaar Option?
Setting UPI PIN in PhonePe using an Aadhaar card is a relatively new option. There are times you may not be able to change your UPI PIN using an Aadhaar number. Several factors can contribute to it, such as,
It's possible that you entered the wrong Aadhaar number twice. In that case, try again in 24 hours.
Your Aadhaar card is not connected to the bank account you are attempting to add to Phonepe.
It's possible that your bank does not yet support using an Aadhaar number to set a UPI PIN.
You are using an iOS device. This feature is currently available only to Android users.
In these situations, setting your PIN requires using your debit card. If you don't have a debit card, speak with your bank to find a solution.
Conclusion
Digital payments are commonplace in today’s world and have significantly changed the way we conduct financial transactions. They have successfully replaced the use of debit cards to an extent. Now, it is possible to set UPI PINs without using debit cards as well. With an Aadhaar card, you can sign up for UPI whenever, and wherever.
FAQs
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.
Can we create UPI pin 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.
How can I reset my PhonePe PIN without 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.
Can I activate PhonePe without a debit card? ›
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 to set PhonePe UPI pin with aadhar card? ›
See also:
- Tap your profile picture on the PhonePe app home screen.
- Tap Bank Accounts and select your bank account.
- 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. ...
- Enter both the OTPs.
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 set a 4 digit UPI PIN? ›
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.
How do I reset my PIN without a card? ›
Call the phone number printed on the back of your card to retrieve your PIN number or reset it. If you prefer to recover your PIN in person, visit your nearest bank for help. Alternatively, log into your account on your bank's website and follow the online instructions to recover your PIN.
How do I find my UPI PIN in PhonePe? ›
Tap your profile picture on the PhonePe app home screen. Select the bank account for which you'd like to change the UPI PIN, under the Payment Instruments section by scrolling to your right. You can also tap View all Payment Methods to view the bank accounts you've linked on PhonePe. Tap Reset next to UPI PIN.
Why am I unable to set my UPI PIN? ›
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.
You 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.
ATM Cash Deposit: Visit an ATM and deposit cash directly into the recipient's account using their bank card details. Bank Branch Transfer: Visit a bank branch and initiate a transfer using the recipient's account details. This option might involve fees. Cheque: Issue a cheque payable to the recipient and hand it over.
How to create an UPI PIN without a 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.
How will you Link Credit Card & Add Money with UPI to PhonePe
- Step 1: Download and Install PhonePe. ...
- Step 2: Sign In or Register. ...
- Step 3: Access the "My Money" Section. ...
- Step 4: Add a Credit Card. ...
- Step 5: Verify Your Credit Card. ...
- Step 6: Set UPI PIN. ...
- Step 7: Link UPI with Credit Card. ...
- Step 8: Add Money with UPI.
How can I Activate my GPay and PhonePe Without an ATM Card?
- Open the GPay or PhonePe app.
- Tap on the "Activate" button.
- Select the "Aadhaar" option.
- Enter your Aadhaar number.
- Enter the OTP that you receive on your mobile number.
- Create a UPI PIN.
You 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.
Is UPI PIN and ATM PIN the same? No, the UPI and ATM pins are not the same. While a UPI PIN is required for transactions only via UPI applications, an ATM pin is a four-digit code necessary to authenticate debit card payments and withdraw cash from ATMs.
