Introduction
Creating a PhonePe account in 2025 has become easier than ever. Now, there’s no need for an ATM card or long queues—just your Aadhaar card and a mobile phone are enough. In this guide, we explain how you can create and activate your PhonePe account instantly using your Aadhaar card from the comfort of your home.
Step 1: Install PhonePe App
- Go to the Google Play Store.
- Search for PhonePe and install the app.
- Once installed, open the app.
Step 2: Register with Your Mobile Number
- On the login screen, type your mobile number linked with your bank account.
- Click on Proceed.
- Enter the OTP received and verify the number.
Step 3: Allow Permissions
- Allow access to location, contacts, and phone calls.
- Skip adding a bank account at this stage if you want, or click the cut mark to proceed.
Step 4: Add Bank Account via Aadhaar
- Scroll down and click Manage Payment > View All > UPI Bank Account.
- Select your bank from the list (e.g., SBI, HDFC, PNB).
- PhonePe will verify your bank account by sending an SMS.
Step 5: Set UPI PIN Without ATM Card
- Normally, ATM card details are needed to set a UPI PIN.
- Now, select Authenticate using Aadhaar Number.
- Enter the first 6 digits of your Aadhaar number.
- You will receive two OTPs:
- One on the mobile number linked with Aadhaar.
- One on the mobile number linked with the bank.
- Enter both OTPs to continue.
Step 6: Set UPI PIN
- After verification, set a 4-digit or 6-digit UPI PIN depending on your bank.
- Choose a secure PIN that no one else can guess.
Step 7: Start Using PhonePe
- Your PhonePe account is now fully active.
- You can:
- Send money using a mobile number or bank account.
- Check your balance.
- Make instant payments.
Final Tips
- You don’t need an ATM card anymore to use PhonePe.
- Aadhaar-based authentication makes the setup process simple and secure.
- Always keep your registered mobile number active for OTPs.
Conclusion
With the Aadhaar authentication feature, creating a PhonePe account in 2025 is faster and easier than ever. You can now go fully digital in just a few minutes—no ATM card, no paperwork. If you haven’t yet activated your PhonePe account, follow these steps today and enjoy seamless UPI payments.
Also Read: Ration Card 2025: How to Apply Online Using Aadhaar OTP – Complete Guide