Bina ATM Ke Phonepe Kaise Banaye 2023 – How to make a phone without ATM Step-By-Step Guides

Today many people want to know that Bina ATM Card Ke Phonepe Kaise Banaye, if you also want to make a phone without an ATM card, then we will tell you about the whole process.

Online transactions from the apps of all these companies require a UPI Pin, and an ATM card is required to generate the UPI Pin. But now you can create UPI Pin without an ATM card and do online transactions.

Kaise Bina Bank Account Ke Phone Pe Account Kaise Banaye 2023 Details

If you do not have an ATM Card, then you cannot create a UPI Pin. Apart from this, you should also have a SIM of the registered number in the bank account, only then you can use a money transfer app like Phonepe.

Many times people do not have an ATM card i.e. Debit Card or Credit Card, so how to make a phone call? Because even if you apply for a new ATM card, it will take 10 to 15 days to arrive.

That's why NPCI ( National Payment Corporation of India ) has come out with a new notification, based on which you can do online transactions even without an ATM. But Bina Atm Card Ke Phone Pe Account Kaise Banaye, its process is given in this article.

Bina ATM Card Ke Phonepe Kaise Banaye

Now you have come to know that now you can make a phone call even without an ATM. To make phone payments without an ATM card, you must have an Aadhar card, and an Aadhar card should also be linked to the bank.

Apart from this, you should have the SIM of the mobile number on which you want to create a Phonepe account. And that number should be linked to your bank account. You must also be 18 years of age or older.

Let us now create an account on the phone without an ATM card.

create a phone pe account with very easy steps

Step -1.

First of all open the Google Play store and search Phonepe. After that just install the app on the phone by clicking on the “Install” button.

Step -2.

Now open the app, and click on “Register Now”.

Step -3.

Enter your Mobile Number, Name, and 4 Digit Phonepe Password to register, and click on “Continue”. (Give the mobile number which is registered in the bank account)

Step -4.

Now an OTP message will come on the same number, which will verify the mobile itself.

In this way, your PhonePe account will be created.

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Phonepe Bank Account Kaise Banaye –

After creating a phone pay account you have to link your bank account with phone pay. For this, you have to follow the following procedures.

Step -1.

Open the PhonePe app, and click on the “ADD Bank” option. You will find this option on the home page of the app itself.

Step -2.

Now you have to click on “Send SMS”, from which an “OTP” message will come on your SIM. Note that if you have two sims on your mobile, then click on the “Click Here” button given below. And from both the sims, select the link sim from the bank account.

Step 3.

After receiving the OTP, verify it. After this, you have to create a “UPI ID”. However, Phone Pay will automatically create a UPI Id (987465XXXX@Ybl) from your number. You can edit it, otherwise, click on “Continue”.

Step 4.

Now you have to select the name of the bank account. After clicking on “Continue”, many bank names will appear, you have to select the name of your bank with which your mobile number is “Connected”.

Step 5.

After bank verification, you have to “Verify ATM Card”. If you do not have an ATM card, then here you will also get the option of an “Aadhar Card”.

Now give the Aadhaar number, and click on “Send OTP”. And enter OTP. Note that if your PhonePe app is not updated, then you may not get the option of Aadhaar here.

Step 6.

Now you have to set UPI Pin. This UPI Pin can be made of 4 or 6 digits. But set such a PIN that you always remember, because with this PIN you can do any online transaction.

Apart from this, do not tell this UPI Pin to anyone, otherwise your money can be stolen. If someone has already learned your PIN, you can change your PIN.

There are two types of KYC in PhonePe, Half KYC and Full KYC. First of all, you have to complete Half of KYC. For this, you must have any one ID proof.

Aadhaar Card
Pan Card
Driving Licence
Voter ID Card

How to use UPI Pin in PhonePe 2023

Till now we have come to know how to make a phone without an ATM? Let us now know how to use the UPI Pin that we have created.

Phone Pe application is made for money transfers. You can transfer this money to any other person, otherwise, you can also transfer it for bill payments, loan repayment, recharge, insurance, etc.

If you are transferring payment to another person, then you have four options for this. You can transfer payment to the person in front of any option.

Phonepe Register Mobile Number (the one to whom money is to be sent)
By UPI ID (Example: 8978798XX@Ybl)
Bank Details द्वारा (Bank Name, Account Number, IFSC Code, Name)
by QR code

You can transfer money through any of the above systems. But in the last when you transfer the money, then you have to enter the UPI Pin, otherwise, your payment will not go ahead.

FAQs – How to make up id without an atm

Can I use PhonePe without a bank account?

No, you cannot use the phone without a bank account. Because for any online transaction, you need to have UPI Pin. And UPI Pin cannot be created without a bank account.

How to do net banking without an atm card?

You can take advantage of net banking without an ATM card. For this, you have to go to the bank branch once. And without an ATM number, a form has to be filled out for Net Banking. After this, you will get an Id and Password for net banking.

How to create UPI Pin without a Debit Card?

If you do not have a debit card, you can use a credit card. But you do not have an ATM card. So you can create UPI Pin from your Aadhaar card as well.

How to make Paytm without ATM?

You can make Paytm without ATM like PhonePe. For this, you will need an Aadhaar card. And your Aadhar card should be linked with the bank. If your Aadhaar card is linked then you can create Paytm with an OTP.

Conclusion: Bina Atm Ke Phonepe Kaise Banaye In Hindi – How to run on a phone without ATM

In this article, we have made a complete detailed discussion related to Bina Atm Card Ke Phonepe Kaise Banaye. Hope you have understood all the information very well. You can create UPI Pin without ATM after first updating any of your Payment apps.

If you are not getting the Aadhaar card option, wait till June 30, and then update the app again and repeat the same process. You will get the option to generate UPI Pin from your Aadhaar Card.

If you do not get the option of an Aadhaar card even after June 30, then you will have to visit the official website of NPCI www.Npci.Org.In and see the new notification related to UPI Pin. Because the last date may be extended further.

We hope that the information related to Bina Atm Phonepe Kaise Chalaye or Bina Atm Card Ke Phone Pe Account Kaise Banaye will be beneficial for you.