Unified Payments Interface (UPI) has become the go-to method for instant digital transactions in India. From sending money to friends and family to paying utility bills and shopping online, UPI simplifies the entire experience with just a mobile number or a UPI ID. Paytm, one of India’s leading digital payment platforms, makes it incredibly easy to set up UPI. But before you can begin using it, you need to link your bank account with UPI in Paytm.
In this blog, we’ll walk you through how to add bank account to UPI in Paytm, troubleshoot common problems like Paytm not linking bank account or bank not showing in Paytm, and answer frequently asked questions like “Can I add multiple bank accounts to UPI in Paytm?”
Why Link a Bank Account to UPI in Paytm?
Linking your bank account to UPI in Paytm enables you to:
- Send and receive money instantly
- Scan UPI QR codes at stores and merchants
- Pay bills, recharge, and more
- Receive payments directly into your bank account
- Avoid sharing sensitive bank details
Now let’s look at the steps to link a bank account to Paytm so you can start transacting seamlessly.
How to Add Bank Account to UPI in Paytm
Follow these simple steps to link bank account with UPI in Paytm:
- Open the Paytm App on your smartphone.
- Tap your profile icon on the top-left corner.
- Go to ‘UPI & Payment Settings’.
- Tap on ‘Link Bank Account’ or ‘Add a Bank Account’.
- Choose your bank name from the list provided.
- Paytm will then verify your mobile number (linked with your bank account) via SMS-based authentication.
- Once verified, your bank account details will be fetched automatically.
- If you haven’t set up a UPI PIN, you will be prompted to do so using your debit card.
That’s it! You’ve successfully added your bank account to UPI on Paytm. You can now use this account to send and receive UPI payments.
What to Do If Paytm Is Not Linking a Bank Account?
Sometimes, users face issues where Paytm is not linking bank accounts even after following all the steps. If you’re unable to link your account, here are some troubleshooting tips:
- Ensure your mobile number is linked with your bank account and is active on your phone.
- Make sure your internet connection is stable.
- Update the Paytm app to the latest version from Google Play Store or App Store.
- Close and restart the Paytm app before trying again.
- Check if your SIM is active in SIM slot 1, especially on dual SIM phones.
- If all else fails, visit the Help & Support section in the app and raise a ticket.
Facing the issue where the bank is not showing in Paytm? This usually means your bank is either not supported or temporarily facing UPI connectivity issues. In such cases, wait for a while or try linking a different account.
How to Verify if Bank Account is Linked Successfully
After completing the setup, you can check your linked bank account by:
- Going to ‘UPI & Payment Settings’
- Viewing the list of linked bank accounts
- Confirming your UPI ID is active and connected to the right account
You’ll also see the last four digits of your account number, confirming that your bank is correctly linked to UPI.
Can I Add Multiple Bank Accounts to UPI in Paytm?
Yes, you absolutely can! If you’re wondering, “Can I add multiple bank accounts to UPI in Paytm?” The answer is yes. Here’s how:
- Go to UPI & Payment Settings
- Tap on ‘Add Bank Account’
- Choose another bank from the list
- Follow the same mobile verification process
- Set or enter the UPI PIN for the second bank account
Once multiple accounts are added, you can choose a default bank account for sending or receiving money. You can also switch between them during transactions.
Best Practices for UPI Bank Linking on Paytm
To ensure a smooth experience while linking or using UPI on Paytm:
- Keep your SIM card active with proper network coverage.
- Ensure that your debit card is active if you’re setting a UPI PIN for the first time.
- Regularly update the Paytm app to avoid bugs or outdated settings.
- Use the Help & Support option if your account isn’t linking even after retries.
Conclusion: Setting up UPI on Paytm starts with a simple but essential step: linking your bank account. With just a few taps, you can add a bank account to UPI in Paytm, verify your number, and start using UPI for all your payments.
If you’ve faced challenges like Paytm not linking bank accounts or banks not showing in Paytm, follow the steps in this guide to resolve them easily. And yes, you can add multiple bank accounts to UPI in Paytm and manage them effortlessly within the app.
So, now that you know how to add a bank account to UPI in Paytm, go ahead and enjoy seamless, secure, and instant digital payments at your fingertips—powered by UPI.
