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UPI New System: The easy use of UPI has made it reach every section of the society rapidly. However, many people are still not able to use it because they do not have a bank account. To use Unified Payments Interface (UPI), it is necessary to have a bank account. The biggest loss is faced by those children who do not have a bank account. If your children are also not able to use UPI due to not having a bank account, then there is no need to worry now. We are telling you the process of using UPI without a bank account. Through the UPI Circle feature, multiple family members can transact through UPI on one bank account. Let us know what is this feature and what is the process of registration to take advantage of it?

What is UPI Circle?

UPI Circle allows multiple individuals to use one bank account to make UPI payments. These individuals could be family members such as senior citizens, spouse or children who may not have a bank account or whose family members use the same bank account. National Payments Corporation of India (NPCI) says that a primary user can create a maximum of 5 secondary users.

How to use UPI Circle, know the step-by-step process here

Here BHIM-UPI has been taken as an example. You can also register in other apps using this method.

step 1: Go to BHIM-UPI app and click on 'UPI Circle'. A new page will open and here you have to click on the 'Add Family or Friends' button. You have two ways to add family or friends to your UPI circle – scan the QR code or enter their UPI ID.

Step-2: We are registering using UPI ID option. When you add your friend or family's UPI ID, click on the 'Add to my UPI circle' button. A new page will open and it will ask you to type the phone number of the person you want to add to your UPI circle. Note that this person must be in your contacts list otherwise they cannot be added.

step 3: You now have two access type options – 'Spend with limits' or 'Approve every payment'. In the first option, you set a predefined limit and the secondary user can transact only within that limit. The second option (Approve Every Payment) requires you to approve every transaction initiated by the secondary user. Select based on your requirements and then click on 'Proceed'.

step 4: We have opted for spending with limits. When you choose this option you have to give three inputs. Once done, click on 'Proceed'. Enter your UPI PIN to authorize. That's it, now the secondary user will be added to your UPI circle.