Create Phonepe Account Without ATM Card

PhonePe is a digital payments and financial services app used extensively across India. It uses UPI (Universal Payments Interface) to transfer money.

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 an ATM Card?

Yes, you can use PhonePe without an 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 a 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.

STEP 1: Once you add your account, click on your profile picture in the top left corner

STEP 2: Select your bank account under “Payment Methods”

STEP 3: Choose either “Set” or “Reset” next to “UPI PIN”

STEP 4: Select the Aadhaar card option and click on ‘Proceed’

STEP 5: Enter the first 6 digits of your Aadhaar number

STEP 6: You will receive two OTPs, one from UIDAI and another from your bank

STEP 7: Enter the OTPs for verification

STEP 8: Next, set the UPI PIN and re-enter it for confirmation

STEP 9: 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. 

1. You may have entered your Aadhaar number wrong twice in a row. If so, try again after 24 hours

2. The bank account you are trying to add on PhonePe is not linked to your Aadhaar card

3. 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.

PhonePe has amassed massive popularity since its introduction, all thanks to its straightforward user interface as well as its updates to make the digital transition easier for all. 

You can now create a PhonePe account with just your bank account-linked mobile number and set your UPI PIN using your Aadhaar number. 

Follow the above-mentioned steps to smoothly link your bank account to UPI and make your life easier!