How to Create a PhonePe Account Using Aadhaar Card in 2025 – Step-by-Step Guide
In a major update for digital payments in India, you can now create a PhonePe account using only your Aadhaar card—no debit card required! Whether you’re new to UPI or looking to set up PhonePe easily, this guide will help you create your account in minutes using your Aadhaar.
✅ What’s New in 2025?
Until recently, setting up PhonePe required a debit card. But now, the PhonePe app allows UPI setup using Aadhaar number. This is a game-changer for users who don’t have a debit card but want to access UPI services like money transfer, bill payment, or balance checks.
📲 Steps to Create a PhonePe Account Using Aadhaar Card
- Download and Install PhonePe
- Open Google Play Store
- Search for PhonePe
- Tap Install, then Open
- Register With Your Mobile Number
- Enter your 10-digit mobile number
- Click Proceed
- Enter the OTP received to verify your number
- Allow Required Permissions
- Accept all permissions (SMS, location, phone calls) when prompted
- Skip Optional Lock Setup
- You may be prompted to add a lock or passcode — you can choose “Do it later”
- Create Your Profile
- Tap the profile icon (top corner)
- Click Get Started
- Upload a photo (optional) and enter basic info like name and address
🏦 Link Your Bank Account via Aadhaar
- Navigate to UPI Setup
- On the home screen, scroll down and tap View All
- Select UPI Bank Account
- Choose your bank name from the list (e.g., SBI, HDFC)
- Choose Aadhaar Instead of ATM
- When asked to enter ATM card details, do not fill them
- Scroll down and choose “Authenticate using Aadhaar number”
- Tap Continue
🔐 Aadhaar-Based UPI PIN Setup
- Enter Aadhaar Number
- Input the first 6 digits of your 12-digit Aadhaar number
- Click Proceed
- Verify With OTPs
- You will receive:
- OTP on Aadhaar-linked mobile number
- OTP on bank-linked mobile number
- Enter both OTPs to verify identity
- Set Your UPI PIN
- Create a 4 or 6 digit UPI PIN (as per your bank)
- Avoid simple combinations like 1234
- This PIN will be used to make any transaction
✅ What You Can Do After Account Creation
Once your account is created and your bank is linked via Aadhaar:
- 💸 Send and receive money instantly
- 🔁 Check balance using UPI PIN
- 📱 Recharge mobile or DTH
- 💡 Pay bills
- 🏦 Deposit money directly to your bank account
- 🔓 Apply for loans via PhonePe (optional)
🔍 Final Tips
- Make sure your Aadhaar card is linked to your mobile number
- Your bank account must also be Aadhaar-linked
- Keep your mobile network and SMS services active during setup
Conclusion
Setting up a PhonePe account with Aadhaar in 2025 is fast, secure, and user-friendly. No need for a debit card—just follow the steps, verify using Aadhaar, and start using UPI instantly. Whether you want to pay bills or send money, your PhonePe is now powered by Aadhaar.
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