How to Get a UPI Without Connecting to a Bank in Paytm

Despite the common belief, obtaining a UPI (Unified Payments Interface) ID through Paytm without linking it to a bank account is not straightforward. Typically, Paytm requires you to connect your bank account to your Paytm wallet to use the UPI service. However, there are some creative ways to achieve this, especially with Airtel Payment Bank and Paytm's own payment bank.

Standard Procedure for UPI in Paytm

For the majority of users, getting a UPI ID through Paytm necessitates linking your bank account to your Paytm wallet. This process involves several steps:

Verification of your bank account details Setting up a UPI PIN Linking your bank account to your Paytm wallet

Once your bank account is successfully linked, you can use your UPI ID to send and receive money.

Creating a UPI ID Without a Paytm Account

While it is ethically and officially impossible to get a UPI ID in Paytm without connecting to a bank, certain workarounds can allow you to proceed without an active Paytm account. Two notable methods are:

Create an Airtel Payment Bank Account

Airtel Payment Bank is a digital bank in India that offers a pay-as-you-go model. You can easily create an account with Airtel Payment Bank without needing an existing Paytm account or linking a traditional bank account.

The process involves the following steps:

Download the Airtel Payment Bank app Create an account using your mobile number and an OTP (One-Time Password) Link any supported bank account to your Airtel Payment Bank account to enable UPI transactions

Create a Paytm Payment Bank Account

Paytm also offers a payment bank, which allows you to create a bank account right within the Paytm app. Here’s how you can do it:

Install the Paytm app on your mobile device Sign up for a Paytm payment bank account Link your supported bank account to the Paytm payment bank to enable UPI transactions

Creating a UPI ID with Paytm Payment Bank

If you prefer a seamless experience within the Paytm ecosystem, you can create a UPI ID without linking to a traditional bank account through the Paytm payment bank.

Here’s a step-by-step guide to create a UPI ID in Paytm:

Download the Paytm app and create an account if you don’t have one Sign up for a Paytm payment bank account Navigate to the section that allows you to directly create a UPI ID Enter your mobile number associated with your Paytm account Follow the prompts to set up your UPI ID without a traditional bank account connection

Once your UPI ID is created, you can link any supported bank account to it for UPI transactions.

Conclusion

While the official routes through Paytm require linking to a bank account, users can explore alternative options such as Airtel Payment Bank or Paytm’s own payment bank to achieve their goal. These methods provide straightforward and easy ways to create a UPI ID without traditional banking connections, making digital transactions more accessible and convenient.