UPI Registration without ATM card: How to activate UPI through Aadhaar?


You must have a debit card for UPI registration. You can avail this service only after OTP authentication through debit card. But now you can use UPI even without a debit card (ATM). Online payment app PhonePe has simplified this process by providing the facility of UPI registration with Aadhaar card.

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Now new users on PhonePe app can activate UPI through Aadhaar Card and OTP Verification. Because your bank account is also linked to Aadhaar card. Now even those users who do not have a debit card (ATM) can pay through UPI. Here we are telling you how to register for UPI without debit card.

How does UPI work?

The full form of UPI is Unified Payments Interface. It is a real-time payment system that helps in instant money transfer between two bank accounts through a mobile platform. Through UPI you can access multiple bank accounts through a single mobile application. It has been created by the National Payments Corporation, which is supervised jointly by the Reserve Bank and the Indian Banks Association.

How to activate UPI through Aadhaar?

Existing UPI users need to enter the last 6 digits of their Aadhaar number to verify through Aadhaar card on PhonePe app. After this you will get an OTP from the Unique Identification Authority of India (UIDAI) and your bank. In this way your UPI will be activated. You will then be able to transfer money from UPI to anyone using the PhonePe app.

New users do UPI registration like this

  • First of all install the Phone Pe app on your mobile phone.
  • On opening the app, you will have to enter your phone number and OTP.
  • After this go to My Money and click on Payment Methods.
  • Then click on ‘Add new bank account’ and select the bank in which you have an account.
  • Here your mobile number will be verified.
  • Now you will get two options to configure your UPI PIN.
  • Here you can choose either Debit/ATM card or Aadhaar card.
  • Here after entering the last six digits of the Aadhaar number and an OTP will come on your registered mobile number.
  • Your UPI PIN will be activated as soon as you enter the OTP. Now you can take advantage of all its features.

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