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How to link Aadhaar Number with Bank Account Online or Offline?

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How to link Aadhaar Number with Bank Account Online or Offline?

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You can complete your Aadhaar and bank account linking both online as well as offline. You can do this in different ways, depending on what works best for you.

How to link your Aadhaar card to your bank account online?

Even though it is not yet mandatory to do so, linking your Aadhaar card with your bank account is one of the easiest things to do, and has a whole host of benefits. 

Linking Aadhaar with bank account via internet banking?

Although the exact process may vary slightly based on the terminology used in your bank’s internet banking portal, the overall process to link your bank account with your Aadhaar via this method is outlined below.

Step 1: Log in to your bank account on the internet banking portal offered by your bank, using your customer ID and password.

Step 2: Select the ‘Aadhaar Seeding’ or ‘Aadhaar Linking’ option. 

Step 3: Enter the details required on the portal, like your Aadhaar number and your registered mobile number, and submit the same.

Step 4: Once the details are verified, you will be notified that your Aadhaar number has been linked to your bank account successfully.

Linking Aadhaar with bank account on your bank’s mobile app?

You can also link your Aadhaar and your bank account on this application. Here is how this typically works:

Step 1: Log in to your bank’s mobile application using your username and password.

Step 2: Under the ‘Service Request’ tab, select the option to link your Aadhaar.

Step 3: Select the bank account that you wish to link (in case of multiple accounts), fill in the Aadhaar details required, and submit them on the app.

Step 4: Once the process is complete, you will receive a message about the same on your registered mobile number and/or email ID. 

Linking Aadhaar with bank account via SMS

Step 1: You need to type out a message in the required format, which is most often as follows:

Aadhaar number <space> Account number 

Step 2: You then need to send the SMS to your bank’s customer service number.

Step 3: You will then receive a text message from your bank letting you know that your service request has been accepted.

Step 4: The bank will then confirm the details with the Unique Identification Authority of India (UIDAI) and proceed to link your account with your Aadhaar if the details are accurate. 

Linking your Aadhaar card to your bank account offline

How to link your Aadhaar with your bank account in a bank branch?

You can directly drop in one of the nearest branches of your banking partner and follow the steps listed below to link your Aadhaar and your bank account. 

Step 1: Visit the bank branch and ask for the ‘Aadhaar Linking’ application form.

Step 2: Fill in the details required in the form, like your personal details, your bank account details and your Aadhaar number.

Step 3: Attach a self-attested copy of your Aadhaar card along with the form.

Step 4: Submit the application form and the self-attested copy of the Aadhaar at the relevant counter in the bank.

Once this is done, your bank will automatically be linked with your Aadhaar, and you will receive a notification about the same via an SMS sent to your registered mobile number and email ID.

Linking your Aadhaar with your bank account via an ATM

Step 1: Visit an ATM of your bank that is in your neighbourhood.

Step 2: Insert your debit card and enter your PIN.

Step 3: Then select the ‘Service Registration’ option.

Step 4: Choose the ‘Aadhaar Registration’ option after this.

Step 5: Select the type of bank account you wish to link your Aadhaar number with, namely a savings account or a current account. 

Step 6: Then, enter your Aadhaar number once and re-enter it for additional confirmation.

Step 7: Your request will then be accepted by the bank, and within 24 hours, your bank account will be linked to your Aadhaar number.

Conclusion

This sums up how you can link your bank account and your Aadhaar card online and offline. You can choose the option that is most convenient for you and proceed accordingly. Keep in mind, however, that this is an optional process. So, to enjoy the benefits of linking your Aadhaar and your bank account, like faster KYC, quicker credit of subsidies, refunds and more, you can complete this process as you prefer. 

Frequently Asked Questions

1. Is it mandatory to link Aadhaar with a bank account?

No, linking your Aadhaar with your bank account is not mandatory. It is an optional facility provided to the citizens of India, and it is intended to make banking processes and operations easier. Suppose you choose to link your Aadhaar card to your bank account. In that case, you get various advantages like faster KYC verification, easier credit of government subsidies, smoother income tax refunds and more efficient detection of fraudulent activities, if any. 

2. Can I link my Aadhaar card to a bank account at an ATM?

Yes, you can link your Aadhaar card to your bank account at an ATM. All you need to do is visit your bank’s ATM, insert your debit card in the machine and enter the ATM PIN. Then, select the option to register your Aadhaar on the ATM’s display screen, and enter your 12-digit Aadhaar number. Re-enter the number once more and proceed to link your bank account with your Aadhaar. 

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