How to Transfer Money without Internet using UPI

The Unified Payment Interface or UPI is an easy and simple way to send and receive money from one bank account to another. There are many apps available for an easy transaction process like the official app for UPI (BHIM) with others like PayTM and Google Pay. The catch is that you must be online to be able to transfer money over. UPI enables users to send money without an active Internet connection using both smartphones and basic phones by just dialing *99#. So, in this article, we will be guiding you on How to transfer money without Internet.

How To Transfer Money without Internet: Pre Requisites

Before going ahead you must make sure that your bank supports offline UPI payments. You must have the number that is registered in the bank account in order to initiate the transfer. There is also a very small transaction fee in this process. It can be anywhere in between Rs. 0.5 to 1.5. Users can perform many different actions using an interactive menu by calling on *99#. Some of them are sending and requesting money, general account balance inquiry, setting up UPI Pin, and recent transactions history.

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How To Transfer Money without Internet: Steps

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So, here are the steps by which you will be able to send UPI money without using the Internet. Follow these steps to make transactions with UPI without the Internet.

  1. Dial *99# with the registered mobile number
  2. Choose 1 from the interactive menu to send money
  3. Select to send money to another number, bank account, UPI ID, or saved beneficiary
  4. Enter the amount you want to transfer
  5. Enter your UPI Pin to complete the transaction

Once the transaction is complete you will receive a confirmation SMS regarding your transaction.

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