How to Use UPI Without Internet – 99# USSD Code Explained

Imagine a world where you can send or receive money instantly, any time of day, even if you don’t have an internet connection. This might sound like magic, but it’s a real and incredibly useful service available right on your mobile phone! This guide will explain how you can use a special service called *99# USSD to make digital payments without needing the internet.

Understanding UPI and Offline Payments

Digital payments have changed how we handle money, making transactions faster and more convenient. But what happens when the internet isn’t available?

What is UPI and Why is it So Popular?

UPI, which stands for Unified Payments Interface, is a modern system that allows you to send and receive money directly between bank accounts using just your mobile phone. It’s incredibly popular because it’s:

• Instant: Money moves in real-time, 24 hours a day, every day of the year.
• Easy to Use: You only need a mobile number or a special ID to make a payment.
• Secure: Every transaction requires a personal identification number (PIN).

UPI has truly transformed how people manage their finances, making digital transactions accessible to millions.

The Need for Digital Payments Without Internet

While UPI is fantastic, it usually relies on an active internet connection. However, there are many situations where internet access might be limited or unavailable. Perhaps you are in a remote area, experiencing network issues, or simply using a basic mobile phone that doesn’t connect to the internet. In these moments, being able to make digital payments is still very important. It ensures that everyone, regardless of their internet access, can participate in the digital economy.

Introducing the *99# USSD Service

This is where the *99# USSD service comes in. USSD stands for Unstructured Supplementary Service Data, and it’s a technology that works on all mobile phones, even the simplest ones, without needing the internet. By simply dialling *99# from your registered mobile number, you can access a text-based menu to perform various banking services, including sending and receiving money using the power of UPI, all offline. This brilliant service was introduced by the National Payments Corporation of India (NPCI) to ensure digital payments reach everyone, everywhere.

Getting Started with *99# USSD

Setting up *99# USSD is quite straightforward. Let’s look at what you need and how to get started.

Who Can Use This Service?

You can use the *99# USSD service if you meet these simple requirements:

• You have a mobile phone (it can be a basic feature phone or a smartphone).
• You have an active bank account.
• The mobile number you are using is registered with your bank account.

It’s truly designed for everyone, making digital payments inclusive.

Linking Your Bank Account to *99# USSD

When you dial *99# for the very first time, the system will automatically try to link your bank account to the service using the mobile number you are calling from. You will be prompted to select your bank from a list. Once you choose your bank, the service will then connect to your account, ready for you to make transactions. It’s a very simple and quick process.

Setting Up Your UPI Personal Identification Number (PIN)

To make any transaction secure, you will need a UPI PIN. Think of this as your secret password for sending money. If you haven’t set one up before, the system will guide you through the process. You will typically need to enter the last six digits of your debit card number and its expiry date. Once you’ve done this, you can create a four or six-digit UPI PIN. Remember this number, but never share it with anyone!

Step-by-Step Guide to Using *99# USSD for Transactions

Using *99# USSD for transactions is surprisingly easy. Here’s how you can do it:

Dialling the *99# Code

To begin, simply dial *99# from your mobile phone. After dialling, a menu will appear on your screen, offering various options like ‘Send Money’, ‘Receive Money’, ‘Check Balance’, and more.

Sending Money to a Mobile Number

1. From the menu, choose the option for ‘Send Money’ (usually option 1).
2. Then, select the option to send money using a ‘Mobile Number’.
3. Enter the recipient’s mobile number.
4. Enter the amount you wish to send.
5. Add a remark or reason for the payment (e.g., “for groceries”).
6. Finally, enter your UPI PIN to confirm the transaction. You will receive a confirmation message shortly.

Sending Money to a Bank Account (IFSC Code)

1. Again, choose ‘Send Money’ from the main menu.
2. Select the option to send money using ‘IFSC Code’.
3. Enter the recipient’s bank’s IFSC (Indian Financial System Code) and their bank account number.
4. Enter the amount you wish to send.
5. Add a remark if needed.
6. Enter your UPI PIN to complete the transaction.

Checking Your Bank Account Balance

1. From the main *99# menu, select the option for ‘Check Balance’.
2. You will then be asked to enter your UPI PIN.
3. Once entered, your bank account balance will be displayed on your screen.

Changing Your UPI PIN

1. If you wish to change your UPI PIN, select the ‘Change PIN’ option from the menu.
2. You will need to enter your old UPI PIN first.
3. Then, enter your new UPI PIN and confirm it by entering it again.

Other Useful Services Available

Beyond sending money and checking your balance, the *99# USSD service often includes other helpful features. These might include checking your transaction history, requesting money, or managing your beneficiaries. It’s a comprehensive service designed to give you control over your finances.

Important Things to Remember for Safe and Easy Use

Keeping your digital payments safe and understanding the rules helps you use the service with confidence.

Transaction Limits and Any Charges

For your security, there are usually limits on how much money you can send using *99# USSD in a single transaction or over a day. Typically, you can send up to ₹5,000 per transaction. While the service is largely free, some banks might apply a very small charge, such as 50 paise, for each transaction after a certain number of free transactions. It’s always a good idea to check with your bank about any specific limits or fees.

Keeping Your UPI PIN Secure

Your UPI PIN is the key to your money. It is absolutely vital to keep it secret.

• Never share your PIN with anyone, not even bank officials or family members.
• Do not write it down where others can find it.
• Change your PIN regularly to maintain security.
• Be cautious of anyone asking for your PIN over the phone or through messages; legitimate services will never ask for it.

What to Do if You Face an Issue

If you encounter any problems, such as a failed transaction, an unauthorised payment, or simply have a question:

• Contact your bank’s customer service immediately. They can help you investigate and resolve the issue.
• Report any suspicious activity or unauthorised transactions to your bank as soon as possible.
• Keep a record of your transaction details, such as the reference number, which can be helpful when contacting support.

The Benefits of Using UPI Without Internet

The *99# USSD service offers significant advantages, making digital payments truly universal.

Reaching Everyone, Everywhere

One of the biggest benefits is that it extends the convenience of digital payments to everyone, regardless of whether they own a smartphone or have an internet connection. This means people in rural areas, those with basic phones, or anyone facing network issues can still participate in the digital economy. It truly helps to bridge the digital divide.

A Simple Way to Stay Digital

This service provides a simple, reliable, and quick way to perform essential banking tasks. It empowers you to manage your money digitally, send funds to friends and family, or pay for goods and services, all from the comfort of your mobile phone without needing to visit a bank or rely on the internet. It makes staying digital incredibly easy and practical.

Contributing to India’s Digital Journey

By making digital payments accessible to a wider population, the *99# USSD service plays a crucial role in India’s journey towards a more digital and less cash-dependent economy. It encourages financial inclusion, helps people become more familiar with digital transactions, and supports the vision of a financially empowered nation. It’s a powerful tool that benefits individuals and the country as a whole.