How to send money using UPI without Internet

UPI allows customers to transfer money from one bank account to another in seconds using their smartphones. In India, most e-wallets and payment systems, such as Paytm, Google Pay, Amazon Pay, WhatsApp Pay, and banking apps, accept UPI payments, allowing users to send money fast and conveniently.

Now, the National Payments Corporation of India (NPCI) has created a method for transferring payments via UPI that does not require the use of a mobile app anymore. USSD 2.0 is a method that allows mobile device users to send money via UPI even if they don’t have access to the internet.

This service is provided by USSD 2.0 using the calling option *99#. Transactions are made feasible via an interactive menu shown on the smartphone screen, despite the lack of an app interface. The *99# service is presently available from 41 top banks and all GSM service providers in 12 languages, including Hindi and English.

Steps to send money using UPI without Internet

Step 1: From your registered phone number, dial *99#.

Step 2: Select a bank account.

Step 3: Then, input your debit card’s last six digits.

Step 4: Now type in your debit card’s expiration date.

Step 5: Verify your UPI PIN. You will be able to utilise this service on your mobile phone after that.

Step 6: Dial *99# from your registered mobile number to make a money transfer.

Step 7: To transfer money, press ‘1’ and then press ‘send’.

Step 8: Select the method of money transfer that you wish to utilise. You have the option of selecting 1 for mobile number, 3 for UPI ID, 4 for a saved beneficiary, and 5 for IFSC.

Step 9: Next, input your UPI PIN and the amount you wish to send.

After a transfer is successful, you will receive a confirmation message regarding the same. This is how you send money using UPI without internet.

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