How to transfer money without an ATM Card or Net Banking?


The NPCI (National Payments Corp. of India) introduced NUUP (National Unified USSD Platform), a service that offers a broader range of services and greater geographic coverage, in 2012, and again in 2014. The USSD (Unstructured Supplementary Service Data) protocol is used to communicate with the service. The technology only works with GSM (Global System for Mobile) phones and is used to transfer text messages between a mobile phone and a network application programme.

 transfer money
transfer money

How does it all go?

Customers can use the Unified Payments Interface (UPI) to access banking services through the NUUP service, which brings together all banks and telecom service providers (UPI).

You only have to wait a few seconds after dialling *99# on your phone. You’ll be presented with a list of available services. For example, you can send money by using your mobile number or UPI ID or your IFSC and bank account number, among other methods. Dial the number next to the service you want to use to access it. You can also use your mobile number or UPI ID to request a money transfer to yourself, as well as to check your bank balance and generate or modify your UPI PIN. Even if the recipient is not a user of the NUUP service, you can still transfer money to them. Your mobile number must, however, be registered with your bank for mobile banking services in order for this service to work.

In India, the government is pushing for a cashless society, and the fact that we can’t make payments without the internet is causing havoc!!! However, you needn’t be concerned. Here’s how to send money online without using your bank’s internet banking system. No internet connection is required to use a unified payment interface (UPI). Sending and receiving money with a USSD code, regardless of bank or internet, has never been easier. As long as you’re using a GSM phone, this system will function.

Customers can’t use this UPI (Unified Payments Interface) service. If you have an unregistered mobile number.

What is the procedure for obtaining What are the Alternatives to Using the Internet to Send Money? How Do I Register My Mobile Number to My Bank?

  • For starters, your bank will need to know that you’ve got a working phone number.
  • Register your cell phone number with your bank of choice.
  • Create an MMID number. When you register for mobile banking, the bank will give you a seven-digit number known as an MMID (Mobile Money Identifier).
  • Get the M-PIN. Customer authentication and security are ensured by the use of an M-PIN, which stands for Mobile Banking PIN – a secret password.
  • Is it possible to have the same ATM PIN and MPIN? Yes!
  • To make a payment, you can either utilise the bank’s SMS/USSD service or a mobile banking app.
  • To find out how to accomplish this for your own bank, you can go to the bank’s website.

The *99# service provides Value Added Services (VAS) are:

  • Transfer of Funds (P2P)
  • The money transfer (P2A) (P2U)
  • What is the acronym for MPIN? National Unified USSD Platform (NUUP) or ICICI Bank’s “Call to Pay” bill payment service requires you to enter a 4-digit MPIN to verify your IMPS transactions.
  • Make an MPIN.
  • Replacing MPIN.
  • OTPs can be generated (One time password).
  • Enquiry’s most recent information: Transactions for the last 10 days.