How To Add Bank Account In Paytm: Step-by-Step Guide

Sameer Content Writer

Today, UPI is the most preferred mode of payment from paying utility bills to money transfer. You can add your bank account to payment apps for hassle free and secure UPI transactions. 

Are you yet to utilize the benefits of UPI transactions? Then you need to know how to add bank account in Paytm? Check out this step-by-step guide where you will get every detail. 

With the best UPI apps, payments are hassle-free and at the same time, you can also unlock exciting rewards and cashback. And Paytm is one of the most preferred apps for UPI. Scroll down to find how you can add your bank account in Paytm for hassle free payments and exciting cashback offers. 

Meanwhile, for the best UPI Apps with the most amazing rewards and offers click here




How To Add Bank Account In Paytm App?

To link or add your bank account to Paytm, first, install the Paytm app on your phone. This app is available on Google Play Store and Apple App Store. Once you install the app, register using your mobile number. 

Make sure you register using the same number that is linked to your bank account. Now, go to your accounts from the hamburger menu on the left side of the screen. 

Choose your bank from the list of bank names. Paytm will fetch bank account details. Now, click on proceed to complete the verification via SMS. 

If you are not registered for UPI, then you need to enter your debit card details to set up your UPI PIN. You can view your Paytm UPI ID and linked bank account details from ‘My Profile’ section.

Using the same process, you can link more than one bank accounts depending on your choice. Let us take a look this information in step by step guide below.

Meanwhile, for the best Paytm UPI offers click here

Step by Step Guide to Link Bank Account in Paytm

  • Open the Paytm App

Open the Paytm App

  • Tap on the bank transfer icon

Tap on the bank transfer icon

  • You will be asked to link your bank account

  • Choose the bank in which you hold an account

  • The app will fetch your bank account details 

add bank account

  • Your bank account will be added after SMS verification

  • Now, create your UPI PIN to start doing transactions 


How To Add Bank Account In Paytm Without Mobile Number?

For security reasons, SMS verification is compulsory to add bank in Paytm. The process to link a bank account is the same for all UPI apps. You need the mobile number in your phone to fetch the bank account details. An SMS is sent using the registered mobile number to confirm the back details. 

So you can’t add a bank account in paytm or any other app without a mobile number. SMS verification using the linked mobile number is the most crucial step of linking your account for UPI transactions. 

How To Add Bank Account In Paytm Without Debit Card?

You can add your bank account in Paytm or any other UPI app without the debit card if you have already set up a UPI PIN. The debit card is needed while setting UPI PIN. 

You also need a debit card when you want to reset your UPI PIN. While setting or resetting PIN, you need to enter debit card number and expiry date. Once you have registered for UPI and set up a PIN, you don't need a debit card while adding the bank account to any UPI app. 

How to Set UPI PIN in Paytm?

  • Open the Paytm app on your mobile phone

  • Go to the ‘Bank Account’ section

  • Select the bank account for which you want to set or change UPI PIN

  • Enter the last 6 digits of your debit card number and expiry date

  • Shortly you will receive an OTP on your registered number

  • Enter the OTP and UPI PIN on the next screen

  • Click on the ‘Submit’ button

  • You have successfully set UPI PIN for your linked bank account


How to Add Bank Account in any UPI App?

The procedure to add a bank account is the same for all UPI apps. You need to choose the bank in which you have an account and after SMS verification your bank account will be linked to the app. Once your account is linked you can complete different transactions such as money transfer, online payments, and scan and pay any UPI QR code. 

With UPI transactions, no OTP or card details are required for transactions which makes it the preferred choice for users. You can also add multiple bank account in UPI apps to transfer funds seamlessly. 

Why Link your Bank Account to Paytm?

Paytm is the preferred choice for millions of users. The payments app is easy and secure to use. At the same time, Paytm has many offers to reward users for every transaction.

On every payment such as money transfer, scan & Pay, recharge, and bill payments, you stand chance to earn cashback and also unlock many exciting rewards. You can track all the rewards from the cashback section on the app. Here you will also find scratch cards with surprising rewards. 

So we are at the end of this topic. Hopefully, you have got answers to all your queries on how to link bank account in Paytm. If you still have any doubt on this topic, then don't forget to write it down in the comment section below, we are always ready to help our users. 

Frequently Asked Questions

Q1. Why am I not able to link my bank account to Paytm?

Answer. To link your bank account, SMS verification is needed. The app fetches your bank account details using the linked mobile number. Make sure the back account linked to your bank account is inserted in your phone. Also, check the SMS setting to complete the verification. 

Q2. How can I get UPI ID in Paytm without bank account?

Answer. No, you need to link your bank account to get a UPI ID. You can also open Paytm Payments bank account to get your UPI ID.

Q3. How can I add money to my Paytm account without debit card?

Answer. You can add money to your Paytm account using credit card, UPI, and net banking. Select the preferred payment mode to add money to your Paytm wallet. 

Q4. Can I add two bank accounts in Paytm?

Answer. Yes, you can add multiple bank accounts in Paytm. At the time of payment, you will get the option to choose a bank account for the transaction. 

About Author


Content Writer

I’m an engineer that accidentally fell in love with words. I write about things that I like and things that I don’t, mainly in the online shopping sphere.

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