UPI has become a vital part of digital transactions in India. However, many people still don’t have a bank account. PhonePe now offers a way to receive money using its UPI Circle feature, even if you don’t have a bank account. This guide explains how to generate a UPI ID and QR code without linking to any bank.
Once your UPI Circle QR Code and UPI ID are generated, share them with a family member or close friend who can add you to the UPI Circle and make payments on your behalf.
What is PhonePe UPI Circle?
UPI Circle is a helpful service that allows one main user to give permission to another person to make payments from their bank account using UPI (Unified Payments Interface). The main user can set limits on how much money the secondary user can spend, which helps keep everything secure.
This feature is great for families, business owners, and students. It allows people to share access to money and pay for things together while still being clear about who is spending what. It makes it easier to manage money without needing cash or extra bank accounts, all while keeping transactions safe.
Steps to Create UPI ID and QR Code Without Bank Account on PhonePe
Step 1: Download and Install PhonePe
Start by installing the PhonePe app from the Play Store (Android) or App Store (iOS) on your smartphone.
Step 2: Register Using Mobile Number
Launch the app and sign up using your mobile number. Follow the prompts to complete your registration. No bank account is needed at this stage.
Step 3: Open Your Profile Section
After registration, go to the app’s home screen and tap the profile icon located at the top left to access your account settings.
Step 4: Choose Manage Payments
Inside the profile settings, scroll and select the option labeled “Manage Payments.”
Step 5: Access UPI Circle Option
Within the Manage Payments menu, find and tap on the “UPI Circle” feature. This is where you can set up your UPI ID without needing a bank link.
Step 6: Verify Mobile Number via SMS
PhonePe will request to send a verification SMS from your registered number. Tap the button and allow it to send the message. Make sure you have balance available to send SMS successfully.
Step 7: Receive Your UPI ID and QR Code
After your mobile number is verified through SMS, your unique UPI ID and QR code will be created. You are now ready to receive payments without a bank account.
How to Share UPI ID and QR Code
You can share your QR code with anyone by selecting the “Share QR” option in the app. It can be sent via messaging apps or email. You can also copy and share your UPI ID directly.
The person sending you money can use this UPI ID or scan the QR code. They’ll be able to add you to their UPI Circle and complete the payment.
Conclusion
If you are a minor without a bank account or you have no balance in your bank account and want to make a payment using UPI, transfer money, or pay fees and bills, UPI Circle can help you with this.
Simply install PhonePe, create your account, and obtain your UPI ID and QR code. Share your UPI ID with someone close to you, and they can add you to the UPI Circle to make payments on your behalf. You can send a request at any time, and once they receive it, they can complete the payment for you.
I hope this guide is helpful!