In India, Aadhaar has become the most crucial identity document. As a result, the significance of linking your Aadhaar card to your bank account cannot be emphasized enough.
Account holders can link their Aadhaar cards to their bank accounts through both online and offline methods through several different methods.
The process of linking Aadhaar to your bank account is simple and is similar for most banks. As per the Reserve Bank of India, linking Aadhaar to bank accounts is not mandatory and customers may provide other documents to complete their KYC.
However, many customers do prefer linking Aadhaar to their bank accounts as the process is simple, convenient, fast, and hassle-free.
The different ways through which you can link your Aadhaar card to bank accounts are
Link bank account with your Aadhaar card through phone banking
Linking Aadhaar card to bank account through SMS
Link Aadhaar card to bank account through mobile app
Linking bank account to Aadhaar card via internet banking
Link Aadhaar card to bank account via banks branch
Link Aadhaar to bank account at ATM
Many banks offer the option of seeding Aadhaar with a bank account over the phone. So if you are interested in ‘Aadhaar link to bank account using phone’, here is how to accomplish it quickly and easily-
Step 1: Give a missed call to the number provided by your bank if your bank offers Aadhaar seeding over the phone. You can also call your bank’s customer care number to enquire about the process using phone banking.
Step 2: The bank will ask you to select options from the IVR.
Step 3: Enter and confirm your 12-digit Aadhaar number.
Step 4: When your Aadhaar is linked to your account, you will receive an SMS message on your registered mobile number.
An account holder can also link his/her bank account to Aadhaar using SMS. However, not every bank offers this service. Furthermore, different banks have different SMS formats and phone numbers. Here's an example of how an account with the State Bank of India can be linked to Aadhaar:
Step 1: Send a message to 567676 in the format UID<space>Aadhaar number<space>Account number.
Step 2: Your seeding request will be accepted and you will receive a confirmation message.
Step 3: The bank confirms the information with UIDAI.
Step 4: If your verification fails, you will receive a notification instructing you to contact your nearest State Bank of India branch with your original Aadhaar card.
Most banks have smartphone apps that allow you to carry out a variety of services without having to visit the bank branch. You can follow these steps and you can get your aadhar card link to bank account using the bank’s app-
Step 1: Go to the Google Play Store or the App Store and download the mobile banking app of that particular bank.
Step 2: Open the app and register/log in with your account credentials (username and password). Complete any security checks that may be required.
Step 3: Select "Requests"/"Service" Requests" or any other version from the drop-down menu.
Step 4: Look for a menu item that reads "Link Aadhaar"/"Update Aadhaar Number" or anything similar.
Step 5: Choose the account you want to link your Aadhaar to.
Step 6: Provide your Aadhaar number (you may be asked to re-enter it for confirmation).
Step 7: Accept any applicable terms and conditions.
Step 8: Choose "Update"/"Confirm" or a similar option.
You can also link your Aadhaar and bank account via internet banking. The steps are as follows:
Step 1: Access your online banking account.
Step 2: Go to the part where you can link your Aadhaar with your bank account.
Step 3: Select the accounts you want to link, then enter your Aadhaar number and click "Submit."
Step 4: On the screen, the last two digits of your registered mobile number will be displayed.
Step 5: You will receive an SMS with the status of your request to link your Aadhaar.
Note: The State Bank of India follows the measures outlined here. Similar procedures are followed by other banks. Please go to the bank's website for specific instructions.
The most straightforward way to link your Aadhaar card to your bank account is by visiting your bank’s branch. Here's how you can do it-
Step 1: Visit your nearest bank branch with a copy of your Aadhaar card.
Step 2: Request for a form or submit a Letter of Request to link your Aadhaar with your bank account.
Step 3: Enclose a photocopy of your Aadhaar card that has been self-attested with the form.
Step 4: Take the completed form and Aadhaar copy to the counter, where you may be requested to show your original Aadhaar card for verification.
Step 5: Your application will be accepted. Linking your bank account to Aadhaar may take a few days. You will be alerted on your registered cellphone number once you have been linked.
If you are looking for ‘Aadhaar card link to bank account using ATM’, the steps are mentioned here-
Step 1: Swipe your ATM card and enter your PIN in step one.
Step 2: Go to Services → Registrations → Aadhaar Registration
Step 3: Select your account type and then enter your 12-digit Aadhaar number when prompted.
Step 4: Re-enter your Aadhaar number.
Step 5: You will receive information on your registered mobile number regarding the status of your request.
If you want to check if your Aadhaar card has been linked to your bank account, just follow these steps-
Go to the UIDAI's official webpage or directly click here.
From the website, select 'Check Aadhaar and Bank Account Linking Status'.
You will be directed to a screen where you must enter your 16-digit VID or your 12-digit Aadhaar number.
Choose 'send OTP’ and an OTP will be delivered to your Aadhaar-linked mobile number.
After entering your OTP, you will be routed to a screen stating the status of your linking.
Linking your Aadhaar to your bank account, while not compulsory, is recommended as there are a number of benefits to it. You can be safe from a variety of frauds if you link your bank account with your Aadhaar. The process of linking your Aadhaar card and your bank account is completely free and can be done easily through any of the methods mentioned above.
Only one bank account from a single bank can be linked to your Aadhaar card.
No, providing an Aadhaar card is not required when applying for a personal loan or a credit card.
As an Indian citizen's Aadhaar card is a legal identity proof, adding it to your bank account will make KYC for the bank much easier.
You can verify if your Aadhaar number is linked to a bank account by going to the UIDAI's official website (https://resident.uidai.gov.in/bank-mapper).
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