How To Register & Use *99# USSD Banking Services

*99# is a USSD (Unstructured Supplementary Service Data) based mobile banking service launched by NPCI (National payment corporation of India). This USSD based mobile banking lets you use mobile Banking service without a smartphone and Internet connection.

You can use Mobile Banking services using this *99# USSD code on the feature phone and without net connection. Suppose you don’t have a net connection and you want to check your Bank account balance, in this situation, you can dial *99# and check your account balance. Similarly, in feature phone and can’t install any Mobile banking application so you can use USSD *99# banking to access many banking services.

*99# USSD Mobile Banking Services

Currently, following Financial, Non-financial mobile banking services are offered through *99# service.

  • Send Money using Mobile number, UPI ID and Bank account number
  • Check your account balance and mini statement
  • Create or change UPI PIN
  • Request Money
  • Approve UPI pending requests

How To Register Bank Account for *99# USSD

The process is very simple and easy. You can use your smartphone or feature phone to register for *99# USSD Banking.

Before you start the registration process, please note some requirements:

  • Enough Balance in your Mobile (This USSD based facility charges you 0.50 paisa per request)
  • Use your Bank registered mobile number only
  • Keep ready your Debit card number and expiry date, you need to enter this to create UPI PIN

Now see step by step USSD *99# Registration Process:

Step 1: Dial *99# and choose your Language English, Hindi or any other.

USSD *99# banking

Step 2: Next, enter your Bank IFSC code first 4-digits. For instance, if your Bank is SBI then enter SBIN or ICICI then enter ICIC

USSD *99# banking

Step 3: You can see your account number on the next screen which linked with your mobile number. Select your account number (enter 1) and send it.

USSD *99# banking

Step 4: Now enter your Debit card last 6-digits and expiry date. Ex: 223344 0921

USSD *99# banking

Step 5: And in the final step, set your UPI PIN and send it. Confirm your UPI PIN again and send it again.

USSD *99# banking

Congrats, you are now registered with USSD *99# banking and now you can start access all *99# services.

USSD *99# banking

How To use *99# USSD based Banking

After successful registration, you can now access *99# Banking services from your smartphone or feature phone without a net connection.

Dial *99# from your Bank registered mobile number. You can see banking services on the screen like send money, request money, check balance, etc. Just choose the service option and send it. For instance, if you want to check your account balance then enter 3 and send.

USSD *99# banking

For fund transfer, select send money option.

Next screen, you can select mobile no, UPI ID, saved beneficiary or Bank account number & IFSC code options to send money. Select your preferred option and enter the details.

USSD *99# banking

I hope you now understand how to use *99# USSD Based mobile banking service. If you have any queries, you can ask in the comment section.


Q.1: Getting Error 549 after dialing *99#?

Ans: It means you don’t have enough balance on your mobile phone. Please recharge and then try.

Q.2: What is the use of * 99# USSD?

Ans: This USSD mobile banking facility enables you to access banking services on feature phones without a net connection.

Q.3: How to check bank account balance using *99# USSD?

Ans: Just register for *99# USSD banking and dial *99# to check account balance. You can follow the above step by step guide and register for this service.

Q.4: How to De-register from *99# USSD banking?

Ans: Dial *99# and select My profile option, here you can find De-register option, select and follow the process.

Q.5: How to use mobile banking services on feature phones without Internet/data connection?

Ans: The answer is *99# USSD banking.