How to send money using UPI without Internet

Most of our lives are strongly reliant on the internet in this digital age. This is especially true when it comes to money transfers and other forms of online payment, such as Google Pay, Paytm, Amazon UPI, PhonePe, and so on. What if you’re in the middle of a transaction and your internet connection suddenly goes down? There is, however, a remedy for this as well, so there is no need to be concerned. All you need is your phone and a pre-registered bank account with money in it to make that purchase or transaction go through even if you don’t have access to the internet. Let’s know more about UPI Transaction without Internet


The National Payment Corporation of India (NPCI) has updated the USSD (Unstructured Supplementary Service Data) platform with UPI integration closely linking it with the BHIM (Bharat Interface for Money) app. As such, users can now transfer money using the Unified Payment Interface (UPI) without requiring an active internet connection. This is certainly an advantage to people using feature phones without data connection.

However, to make offline transfers, users need to register on the BHIM app by verifying the mobile number. Users then need to connect the bank account and generate the UPI PIN for transactions. Users can then send and receive money without requiring any active data connection. Further, users will not be charged for any SMS as well, making it completely free.

How to register for *99#

Step 1: Dial *99# from your registered mobile number

Step 2: Select your bank account

Step 3: Enter the last 6 digits of your debit card number

Step 4: Enter the expiry date; enter and confirm the UPI PIN. After this step you can start using the service.

Dial *99# to Access Bank Account

First of all, you need to register your mobile number to your bank account. Visit your branch to get your mobile number registered. If your mobile number is already registered then you can directly dial the *99#. Follow these steps for USSD banking

Step 1: Dial *99# with your registered number and wait for 3-5 seconds.

Step 2: Choose your desired language if not earlier.


Step 3: You will see all the options for its services. These options are-

  • Send Money
  • Request Money
  • Check balance
  • My profile
  • Pending request
  • Transactions
  • UPI PIN


From here, the process will be different for every service.

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