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How to Set UPI PIN Without a Debit Card?

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Created on
February 16, 2023


What’s Inside

In a world where digital payments are now the norm, the United Payments Interface (UPI) system has played a significant role in revolutionizing the way we carry out financial transactions. With UPI, you can send and receive money via your mobile phone and link multiple bank accounts to a single application for instant fund transfers.

However, confusion still lingers regarding UPI usage. Especially when it comes to whether a debit card is required for UPI payments or how to set up UPI PIN without needing a physical debit card.

These questions pops up frequently, and we’re here to clear up this confusion.

How to Set UPI PIN Without a Debit Card?

If you’re wondering “is debit card necessary for UPI” or “how is it possible to set up UPI with a debit card”, look no further. Below are the steps to set up UPI PIN without a debit card:

  1. Log into the UPI payment app.
  2. Tap on the 'Add UPI ID' option.
  3. Choose the bank account you want to link. Make sure that the mobile number linked to your Aadhaar is also linked to this bank account.
  4. Create your UPI ID according to the character and format requirements of your preferred UPI app.
  5. Select the 'Aadhaar-based verification' option.
  6. Agree to the terms and conditions for this process.
  7. Verify your identity by entering the first six digits of your Aadhaar number and proceed.
  8. Set a secure UPI PIN for your account. The length of the PIN can be 4 or 6 digits, depending on the app you are using.
  9. Enter the One-time Password (OTP) sent to your Aadhaar-linked mobile number.
  10. Enter the UPI PIN you set previously and proceed.

Simple, isn’t it?

Points to Remember When You Set Your UPI PIN Without a Debit Card

  • Please note that the above process can also be followed for registering multiple Bank Accounts on the same UPI-enabled app or various apps.
  • The navigation and order of steps may slightly vary depending on the user interface of your chosen app. But the overall process remains similar and is rather easy to follow.
  • After registration, you can use your Virtual Payment Address (VPN) or UPI ID to make payments with a few clicks.
Step-by-step process to set up your UPI PIN without a debit card


Want to set up your UPI PIN? No need to search for your debit card. You can register for UPI with your Aadhaar card anywhere, anytime, even without physical access to it. The M-Aadhaar card is available digitally, eliminating the need for a physical Aadhaar Card.

Make Faster, Smarter Payments Using UPI on Fi Money

Did you know? You can now pay at stores, or send money directly to contacts by scanning and paying using the QR code scanner in your Fi app. That's not it. You can earn cashback or Fi-Coins every time you pay using UPI on Fi. Truly rewarding, isn't it? Get started on the Fi app today.

Frequently Asked Questions (FAQs)

1. How can I activate my UPI ID without a debit card?

Use your Aadhaar & bank account details with a registered mobile number to activate your UPI ID & set a UPI PIN.

2. How to set up UPI without a debit card or ATM card?

To create your UPI account without a debit or ATM card, link your bank account to your preferred UPI app and select Aadhaar-based verification instead of using your debit card. Then, submit and verify your Aadhaar details and set up a 4 or 6-digit UPI PIN.

3. What are the charges for setting up and using a UPI ID for payments?

There is no cost involved in setting up and using UPI for payments.

4. How to set up a UPI ID without a valid Aadhaar Card?

It is not possible to create a UPI ID without a debit card. The only alternative option is to use your Aadhaar card. If you don't have either of these, you cannot set up a UPI ID.

5. How long will setting up my UPI ID without a debit card take?

Setting up UPI payments is a quick process that can be completed in a matter of minutes. As long as your Aadhaar card and bank account are linked to your phone number, you can instantly set up your UPI ID.


Fi Money is not a bank; it offers banking services through licensed partners and investment services through epiFi Wealth Pvt. Ltd. and its partners. This post is for information only and is not professional financial advice.
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