UPI (Unified Payments Interface) revolutionised digital payments in India. But to unlock its full potential, you need to link your bank account to a UPI app. This guide will walk you through the process, making it easy to connect your finances and experience seamless digital transactions.
How to add bank accounts to UPI
Ready to unlock the power of UPI payments? Here is how to effortlessly link your bank account to a UPI app:
- Launch your UPI app: Open the official UPI app you downloaded from a trusted app store (Google Play Store or Apple App Store).
- Find "ADD BANK ACCOUNT": Look for an option like "ADD BANK ACCOUNT," "LINK BANK ACCOUNT," or similar wording.
- Choose your bank: Select the bank where you hold the account you want to link. The app will display a list of supported banks.
- Enter details: You will likely need to provide your bank account number, the mobile number linked to your bank account, and sometimes debit card details.
- Verification time: The app will verify your ownership of the account. This usually involves receiving a one-time password (OTP) on your registered mobile number. Enter the OTP to complete verification.
- Create your UPI PIN: Once verified, set up a secure 4 or 6-digit UPI PIN. This PIN is essential for authorising UPI transactions. Choose a memorable but hard-to-guess PIN.
Remember: You can have multiple bank accounts linked to different UPI apps. However, you cannot directly link a single UPI ID (tied to a specific bank account) across multiple accounts. Each linked bank account will have its unique UPI ID.
With these steps, you are ready to experience the ease and security of UPI payments!
Steps to link bank accounts with UPI
- Open your chosen UPI app: Ensure you are using the official app downloaded from a trusted app store (Google Play Store or Apple App Store).
- Locate the "ADD BANK ACCOUNT" option: This might be found in the settings section, profile section, or directly on the app's home screen.
- Select your bank: The UPI app will display a list of banks supported. Choose the bank where you hold the account you want to link.
- Enter your account details: You will likely be prompted to enter your bank account number, linked mobile number (registered with the bank), and debit card details (sometimes).
- Verification process: The app will initiate a verification process to confirm your ownership of the bank account. This usually involves receiving a one-time password (OTP) on your registered mobile number.
- Set up UPI PIN: Once verification is complete, you will be prompted to create a UPI PIN. This 4- or 6-digit PIN is crucial for authorising UPI transactions. Choose a secure PIN that's easy to remember but difficult for others to guess.
Linking UPI numbers across bank accounts
While you can have multiple bank accounts linked to different UPI apps, it is not possible to directly link a single UPI ID (linked to a specific bank account) across multiple bank accounts. Each linked bank account will have its unique UPI ID.
By following these steps, you will be well on your way to enjoying the convenience and security of UPI payments!
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