How to transfer money with UPI without internet

UPI stands for Unified Payment Interface (UPI). It allows you to transfer money from one bank account to another instantly via your mobile phone. Payments can be made through the app on a mobile device only.

Besides online mode, UPI is also available for non-internet based mobile devices (smartphone as well as base phones) as a dial option, * 99 #, and is known as USSD 2.0 .

Here is an overview of how you can use UPI without internet.

What you need to use UPI

Some of the commonly used apps offering payments through UPI method are BHIM, which is developed by NPCI, and there are also private players like Paytm, PhonePe, Google Pay, Amazon Pay, etc.

To use UPI, you must have a bank account with a member bank, i.e. your bank must allow you to use the UPI function. Some of the member banks include State Bank of India (SBI), HDFC Bank, and ICICI Bank.

Along with this, your mobile phone number should be registered to your bank account for verification.

Key services offered under * 99 #

According to the National Payments Corporation of India (NPCI), the main services offered under the * 99 # service include sending and receiving interbank funds to account, requesting balance, setting / changing UPI PIN code in addition to hosting other services. The * 99 # service is currently offered by 41 major banks and all GSM service providers and is available in 12 different languages, including Hindi and English.

Read also :
How does the UPI work?

Service specifications * 99 #

  • Supports user-friendly menu-based applications
  • Does not require data connectivity (works over the signaling channel) making it a high availability service
  • 24 hour availability (works even on public holidays)

Keep in mind that the telecom service provider will charge you a nominal fee for using this service – this is usually Rs 0.5 per transaction for using the * 99 # service. The maximum fees have been set by TRAI at Rs 1.5 per transaction.

How to register at * 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 expiration date; enter and confirm the UPI PIN code. After this step, you can start using the service.

How to transfer money using * 99 #

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

Step 2: The screen with the options will appear. Dial 1 to select “Send money” and click on reply

Step 3: To send money, dial the option you want to use to send money: 1 for cell phone number, 3 for UPI ID, 4 for registered beneficiary. If you want to transfer money using the person’s UPI ID, dial 3.


Step 4: The next step is to enter the amount you want to transfer. Dial the amount you want to transfer. After entering the amount, you will be asked to enter your UPI PIN code (set during the registration process mentioned above).



Step 5: After successful money transfer, you will receive this message on your phone.


You will also receive an SMS informing you of the transaction.


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