How to Create a PhonePe UPI Account Without Debit or ATM Card (Step-by-Step Guide)

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How to Create a PhonePe Account Without Debit or ATM Card

📲 How to Create a PhonePe Account Without Debit or ATM Card (2025 Guide)

UPI has revolutionized digital payments in India. Apps like PhonePe make it easy to send and receive money. But what if you don’t have a debit or ATM card? Can you still use PhonePe?

Yes, you can! Thanks to Aadhaar-based UPI onboarding, it’s now possible to set up your PhonePe account even without a debit card.

✅ What You Need

Before you begin, make sure you have the following:

  • ✔️ Aadhaar Card linked with your bank
  • ✔️ Bank Account with mobile number linked
  • ✔️ Phone with SIM (linked to your bank)
  • ✔️ (Optional) PAN Card for full KYC features
  • ✅ Download PhonePe via link:
    https://phon.pe/oyfwumy5
    Earn cashback on your first transaction!

🧭 Step-by-Step: Create PhonePe Account Without Debit Card

Step 1: Download PhonePe

Use this link to get started and earn referral rewards:
👉 Download PhonePe

Step 2: Register Your Mobile Number

Open the app and enter the number linked with your bank. Verify via OTP.

Step 3: Select Your Bank

Choose your bank from the list (e.g., SBI, PNB, Canara Bank).

Step 4: Choose “Don’t Have ATM Card”

When asked to enter card details, click:
“I don’t have a debit card” or “Use Aadhaar to set UPI PIN”

Step 5: Enter Aadhaar Number

Type your Aadhaar number and verify with OTP received on your Aadhaar-linked mobile number.

Step 6: Set UPI PIN

Choose a 4 or 6-digit secure UPI PIN. This will be used for future transactions.

🏦 List of Banks Supporting Aadhaar-Based UPI (as of 2025)

  • SBI – State Bank of India
  • PNB – Punjab National Bank
  • Canara Bank
  • Bank of Baroda
  • Union Bank of India
  • UCO Bank
  • Indian Overseas Bank

✅ More banks are being added. Check PhonePe app for updated list.

❓ What If My Bank Doesn’t Support Aadhaar UPI?

  • ➡️ Apply for a free debit card at your bank branch
  • ➡️ Or open an account in a bank that supports Aadhaar-based UPI onboarding

🔒 Is It Safe to Use PhonePe Without a Debit Card?

Yes. Aadhaar-based UPI is approved by NPCI and RBI. It’s verified using mobile OTP and Aadhaar e-KYC — secure and encrypted.

📌 Final Tips

  • ✅ Always use your Aadhaar-linked mobile number
  • ✅ Don’t share your UPI PIN with anyone
  • ✅ Use the “Transaction History” tab to track all payments

📢 Conclusion

You no longer need a debit or ATM card to use PhonePe! With just your Aadhaar and a linked mobile number, you can start sending money, paying bill

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