How to Send Money Using Paytm?

Need to send money? Just open Paytm and do it in seconds — no delays, no confusion.

Whether it’s a mobile number, a UPI ID, or a bank account, Paytm makes it effortless to send money anytime, anywhere. It’s fast, simple, and works exactly when you need it to.

In this guide, we’ll show you exactly how to send money using Paytm — so you’re always ready when it matters.

Four Easy Ways to Send Money Using Paytm

Whether you’re scanning a QR, using a mobile number, entering bank details, or moving funds between your own accounts — Paytm offers multiple convenient ways to transfer money securely and instantly. Here’s a breakdown of each method:

1. Scan & Pay

If you’re making a payment to someone in person or even remotely, Scan & Pay is the fastest way to go. With UPI money transfer, all it takes is a quick scan to get your payment done.

Here’s how to transfer funds using Paytm with Scan & Pay:

Step 1: Open the Paytm app and tap on ‘Scan & Pay’.

Step 2: Scan the recipient’s QR code, or manually enter their mobile number or name.

Step 3: Enter the amount you want to send and tap ‘Proceed’.

Step 4: Select your linked bank account and tap ‘Pay Securely’.

Step 5: Enter your UPI PIN to complete the transaction.

Note: Got a QR code image sent via WhatsApp, email, or anywhere else?

Just tap the gallery icon on the Scan screen, select the QR code image, enter the amount — and you’re done!

2. Send Money to a Mobile Number

Want to send money without scanning a QR code? Just use the person’s mobile number — it’s quick, direct, and works seamlessly with Paytm UPI money transfer.

Follow these steps to transfer funds using Paytm to a mobile number:

Step 1: Open Paytm app and tap on ‘To Mobile’. 

Step 2: Enter the recipient’s mobile number, name, or UPI ID. 

Step 3: Tap ‘Pay’, enter the amount, and click on ‘Proceed Securely’. 

Step 4: Choose your linked bank account and tap ‘Pay Securely’ again. 

Step 5: Enter your UPI PIN to complete the transfer.

That’s it — payment sent in seconds, no need to ask for extra details!

3. Transfer to Bank Account or UPI ID

Not just UPI IDs or mobile numbers — Paytm also lets you transfer money directly using bank details like account number and IFSC. This makes Paytm an all-in-one financial stop for all kinds of payments, whether you’re sending money to a friend, a vendor, or even your own accounts.

Here’s how to make a Paytm to bank money transfer using account details:

Step 1: Open the Paytm app and tap on ‘To Bank’.
(You’ll see three options: Enter Bank A/c & IFSC, UPI ID/Mobile Number, and Self Transfer. Select ‘Enter Bank A/c No & IFSC’ and tap ‘Proceed’.)

Step 2: Enter the amount you want to send. 

 Step 3: Choose your linked bank account, enter your UPI PIN, and that’s it — the transfer is complete.

4. Self Transfer – Spread Your Savings, Secure Your Future

One of the smartest habits you can build is spreading your money across multiple bank accounts — maybe one for emergencies, one for bills, and one just for guilt-free spending. With Paytm’s Self Transfer feature, doing this takes seconds.

No need to switch apps or juggle between banks. Just choose where your money should go, and Paytm makes the transfer smooth and instant — so your savings stay organised and your future stays on track.

Here’s how to use the Self Transfer option:

Step 1: Log in to the Paytm app and tap on ‘Self Transfer’ option. 

Step 2: Choose the bank account you want to send money to. 

Step 3: Enter the amount and tap ‘Proceed’. 

Step 4: Now select the bank account to send money from, and tap ‘Pay’.

That’s it — your self transfer is completed in seconds.