Digital payments have revolutionised how India manages its finances. From paying for groceries to splitting bills with friends, UPI (Unified Payments Interface) has become the go-to method for instant, secure, and hassle-free transactions. The best part? You don’t need to visit a bank to set it up. With an instant UPI app, you can create your UPI ID and start sending or receiving money within minutes—all from your smartphone.
If you’ve ever wondered how to get started with UPI without leaving your home, this guide is for you. We’ll show you how easy it is to set up a UPI ID, what you need, and how to make the most of your UPI app for everyday payments.
What is a UPI ID?
A UPI ID (also known as a Virtual Payment Address or VPA) is a unique address that identifies you on the UPI network. Think of it as an email ID for money transfers. Instead of remembering complicated account numbers and IFSC codes, you can just share your UPI ID for easy payments.
Example: yourname@bankname
- Once your UPI ID is set up on your instant UPI app, you can:
- Send and receive money instantly
- Pay bills and recharge services
- Shop online and pay via UPI
- View your transaction history anytime
Why Set Up UPI Without Visiting a Bank?
Traditionally, setting up payment options meant filling out forms at your bank branch. But UPI changed that forever. Here’s why millions prefer creating their UPI ID via a UPI app:
- Instant setup from home
- 24/7 availability
- No paperwork or long queues
- Link multiple bank accounts in one app
- Secure transactions with PIN authentication
Especially in a post-pandemic world, contactless and remote onboarding is not just convenient—it’s essential.
What You Need to Get Started
Before you create your UPI ID on an instant UPI app, make sure you have:
- A smartphone with internet access
- A valid bank account (any UPI-enabled bank)
- Registered mobile number linked to your bank account
- Active debit card for initial verification
- With these, you’re ready to set up your UPI ID in minutes!
Step-by-Step Guide: Instantly Create Your UPI ID
Setting up your UPI ID is super simple. Here’s how it typically works on any UPI app:
Step 1: Download an App
Choose a trusted INSTANT UPI APP from your app store. Popular options are available for both Android and iOS.
Step 2: Register Your Mobile Number
Open the app and allow it to verify your registered mobile number via SMS. This ensures your number matches the one linked to your bank account.
Step 3: Link Your Bank Account
Select your bank from the list. The app will fetch your account details automatically. No need to enter IFSC or account number manually.
Step 4: Set Your UPI PIN
Use your debit card details to set a secure UPI PIN. This PIN will be required for all future transactions, ensuring your payments remain safe.
Step 5: Create Your UPI ID
The app will either suggest a UPI ID or let you customise one. Example: yourname@upi or mobilenumber@bankname.
Step 6: Start Using UPI Instantly
That’s it! You’re ready to send and receive money, pay bills, shop online, and check payment history—all through your instant UPI app.
Conclusion
Setting up a UPI ID no longer means visiting a bank branch, filling forms, or waiting in line. With an app, you can register, link your bank account, and start making payments in just a few minutes—securely and conveniently.If you’re looking for a user-friendly way to check your balance, view payment history, pay bills, or transfer money to contacts, Bajaj Finserv’s UPI app make managing your money easy, safe, and efficient. Get started today and experience the freedom of instant, anytime payments.
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