How to Add Money to Paytm Wallet?

Paytm wallet is a digital wallet that helps you to perform cashless transactions, through which you can send money to or receive money from other Paytm users. You can also add money to your wallet from your bank account via UPI, internet banking, and credit/debit cards.

You can use your Paytm Wallet to:

  • Recharge your mobile (both prepaid & postpaid), metro cards & DTH
  • Buy & Recharge Paytm FASTags as well as recharge bank FASTags
  • Make utility bill payments like electricity bills, gas cylinders/pipelines, landline/broadband, etc.
  • Also, make payments to purchase at retail shops
  • Pay at petrol pumps or pay for milk, cab rides, auto-rickshaw rides or pay your maid or driver
  • Book flight, train, or bus tickets on Paytm. You can also use the Paytm Wallet to make payments at IRCTC, or other travel ticket booking sites/apps
  • Order food and/or medicines, book movie tickets or events, buy subscriptions, etc.

Next, we will discuss a list of ways in detail that you can use to add money to your Paytm wallet.

1. Add Money to your Paytm Wallet through UPI

You can link your bank account with Paytm through your bank account for fast & easy transactions. It is because linking your Paytm wallet to your bank account allows fast-forward transactions on the Paytm application. You can make direct bank to bank transfers. It also allows faster payments through third-party apps or other payment gateways. Moreover, it makes the process of adding money to the wallet much simpler.

Follow these steps to add money to your Paytm wallet directly through your bank account:

  • Open the Paytm mobile application and select the ‘Paytm Wallet’ icon. Click on the option to ‘Add Money’


  • Alternatively, when you open the wallet, it displays your balance and you get the option to ‘Add money’


  • Once you ‘Proceed’ with the desired amount to be added to your wallet, you’ll be able to see various options to add money through BHIM UPI, Debit/Credit cards, or Net Banking


  • Proceed with the BHIM UPI option and add money from your UPI-linked bank account. If you have linked your bank account with Paytm, then you can proceed with the same, as the cards and banks that are already added to the Paytm profile are displayed first


2. Add Money Through Net Banking

Paytm provides you the option to add money from the bank via Net Banking. Follow these simple steps to add money to the wallet through Internet banking-

  • Open the Paytm mobile application and click on the ‘Paytm Wallet’ icon. Enter the amount that you want to add to your wallet and then proceed with the payment
  • Select the Net banking option
  • As you proceed with Net banking, you will be asked to select your bank from a list of banks
  • Once you have chosen the bank, you will be redirected to the official page of internet banking of your bank
  • You can log in to your bank account through internet banking and make the required payment to add money to your wallet. Also if you are a Citibank account holder, then you can use the bank’s internet banking site/app and go to ‘Recharge Wallet’ to add money to Paytm Wallet

3. Add Money to Paytm Wallet Through Cards

You can add money to your Paytm through credit or debit cards associated with any bank. Follow these guidelines to use card payment for adding money to the wallet-

  • Open the Paytm mobile application and select the ‘Paytm Wallet’ icon
  • Once you have decided the amount, you can ‘Proceed’ with adding money to the wallet. You have the option to add money through Debit or Credit Cards. Once you have chosen the option to make a card payment, you will be asked to add the card details


  • If you have already added some credit or debit cards to your Paytm account, you can add money from those cards


NOTE: Your CVV is not stored in Paytm even if you save the card details. This is for the safety purpose of the consumers. You will have to enter your CVV each time along with the OPT (One Time Password) for each transaction, every time you make a payment or add money to the wallet through cards.

4. Add Money through 3P

You can not only make payments via the Paytm app on third-party/3P apps but also recharge your wallet through these apps for a seamless experience. This is how you can do it:

  • Go to the Payments section of these apps like Zomato, Uber, etc. where you can save your wallet details
  • It will reflect your wallet balance and you can recharge it right there without opening up the Paytm application separately
  • For example, when you open the Zomato app, go to your account and then click on the ‘Payments’ section
  • Here, you can save your credit/debit cards, UPI IDs, net banking details, and online wallets for payments to choose from, while paying for food orders
  • Add the Paytm wallet number here and you can check the balance and recharge it right here
  • Add the amount you wish to proceed with the payment
  • You can recharge through UPI, credit/debit cards or Net banking
  • Similarly, you can do it in other applications like Swiggy or Uber

5. Add Money via Cash

You can now deposit cash to your Paytm wallet by reaching out to the nearest Paytm Business Correspondent Points (BC Points), also called KYC points. Paytm BC Points are agents who provide Paytm Banking services at various locations. You can not only deposit and withdraw money in Paytm Bank but also deposit cash in your Paytm wallet. Here are a few guidelines:

  • Find out the nearest BC point
  • You can complete your full KYC in a few easy steps either at the KYC center or through video KYC at home
  • After full KYC, you can deposit up to INR 1 Lakh per month into your Paytm wallet
  • You do not need to pay any extra charges for using this facility by Paytm

The multiple avenues of payment and adding money to the wallet make it user-friendly for the customers to proceed with the option that they are convenient with. It also enhances the success rate as, if one kind of transaction fails, then the other can be tried out. For instance, if you do not remember the CVV of your credit/debit card, you can add money through UPI. Whether you make the card payment, BHIM UPI, or internet banking, they can be associated with any bank and may or may not be linked to the Paytm account.

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