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USSD (*99#) is a service offered by NPCI to enable users to access UPI platform.

Steps to use:

  • Dial *99# from your registered mobile number
  • An interactive menu will be displayed.
  • Are you a First Time User –
    • Please enter bank name
    • Please select bank account
    • You can now Set UPI Pin – please enter details of your debit card (last 6 digits, and expiry date). Please do not disclose the debit card details to anyone.
    • Enter and confirm UPI pin
  • You can now send or receive payments using UPI.
  • You can also check balance of your account.

USSD (*99#) - Advantages

  • You can access UPI using *99#
  • No need of smartphone
  • Transact through an interactive menu displayed on the mobile screen
  • Uses USSD as the access channel that works across all GSM handsets (smartphone or otherwise) making it reach the last mile user
  • Does not require data connectivity (works on signaling channel) that makes it high availability service
  • Round the clock availability (works even on holidays)
  • Accessible through a common code *99# across specific GSM Operators and mobile handsets
  • Additional channel for using BHIM app and key catalyst for financial inclusion
  • Free of Cost

Financial Services

Sending Money using Mobile No

Sending Money using UPI ID

Sending Money using Account No. + IFSC

Requesting Money using UPI ID / Mobile No.

Non-Financial Services

Account Balance


Change UPI PIN

Last 5 transactions

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