PhonePe is a payment app that enables you to make digital payments and financial transactions. The UPI system has revolutionised digital transactions in India, making them much simpler. PhonePe also makes things easy with its user-friendly interface that lets you create an account without any hassle.

Below, we’ll have a look at how you can create a PhonePe account even if you don’t have an ATM card.

How to Create and Set Up a PhonePe Account Without an ATM Card?

PhonePe's easy-to-use app lets anyone create an account in minutes, even without a debit card. Here's how:

  1. Download the PhonePe App: Get the PhonePe app on your phone.

  2. Register with Mobile Number: Sign up using your mobile number and the verification code (OTP) sent to your phone.

  3. Go to Profile: Once logged in, tap your profile picture in the top left corner.

  4. Add Bank Account: Under the "Payment Methods" option, select "Add bank account."

  5. Select Your Bank: Pick the bank you want to link (make sure it's connected to the mobile number you used for PhonePe).

  6. Verification via SMS: PhonePe will send a verification SMS from your registered number to your bank.

  7. Automatic Linking: Upon successful verification, your bank account will be automatically linked to PhonePe.

How to Set or Reset UPI PIN in PhonePe Without an ATM Card?

PhonePe now lets you set or reset your UPI PIN using your Aadhaar card. Here's how:

  1. Go to Profile: Tap your profile picture in the top left corner after adding your bank account.

  2. Select Bank Account: Under "Payment Methods," choose the bank account you want to use.

  3. Manage UPI PIN: Find "UPI PIN" and select "Set" or "Reset" depending on your need.

  4. Use Aadhaar Card: Choose the "Aadhaar card" option and tap "Proceed."

  5. Verify Aadhaar: Enter the first 6 digits of your Aadhaar number. You'll then get two OTPs, one from UIDAI and another from your bank.

  6. Enter OTPs: Enter both OTPs for verification.

  7. Create UPI PIN: Enter your new UPI PIN and re-enter it to confirm.

  8. Confirm PIN: Tap "Confirm" to set your UPI PIN.

Important Note: Make sure the mobile number linked to your bank account, Aadhaar card, and PhonePe app are all the same for this process to work.

Disclaimer: The steps and all other information specified above are sourced from various websites when this page was written and are subject to change. For exact information, refer to the PhonePe website or contact PhonePe.

In conclusion, 

Creating a PhonePe account is easy and accessible to everyone, even if you don't have a debit card. With the steps above, you can quickly set up your account and start making digital payments using UPI. Remember, all three (PhonePe app, bank account, and Aadhaar card) need to be linked to the same mobile number for a smooth experience.