The Inner Detail

The Inner Detail

Home » Technology » Tech Hacks / Tips » How to do UPI Money Transfer without Internet?

How to do UPI Money Transfer without Internet?

World is adapting to cashless payments and one big leap towards it is the online-payment, with UPI IDs playing a key role. Anywhere you go, buy anything you want, ask their UPI (Unified Payment Interface) ID and enter it in your payTM / PhonePe (Yeah, GooglePay too) & the settlement is settled. Simple as that.

But is not the case for everyone, especially for the ones, who have Vi and BSNL sim-cards (from my personal experience). The Vi & BSNL sim-card holders know very well that to not trust the network.

However, the situation is completely passable now, as a new method of online UPI payment without the need of internet has been enrolled in the market. The steps are as simple as you do in online & for sure, there isn’t any anxiety for poor network & if the cash is settled or not.

In fact, you didn’t need even a smartphone to carry out the transaction. Thanks to RBI for paving the way for offline UPI payments. One has to dial *99# USSD code on the phone to pay using UPI offline mode.

The ‘*99#’ service was introduced to all mobile users, irrespective of whether they use a smartphone or not, in the UPI ecosystem. If the phone number you are using is linked to your bank account, they you can avail all facilities of UPI using *99#. This service is currently offered by 41 leading banks & all GSM service providers and can be accessed in 12 different languages including English & Hindi.

This feature has been there for quite some time but people aren’t aware of it that much.


Make sure that your phone number is linked with your bank account & has an UPI ID.

If you haven’t registered for UPI, you can also do it following the USSD codes.

Registering For *99#

Step 1: Dial *99# from your registered mobile number

Step 2: Select your Bank account

Step 3: Enter the last 6 digits of your debit card number

Step 4: Enter the expiry date; enter and confirm the UPI PIN.

Upon successful finish of registering, you can start using this service.

Transferring Money Offline Using *99#

Step 1: Dial *99# from your registered mobile number.

Step 2: Screen with 7-options will appear. Dial 1 to select “Send Money” and click on Reply.

Step 3: Now select the mode of accessing your recipient’s account, either by mobile number or UPI ID or by nominal way of entering account number & IFSC code. For instance, if your recipient’s number is registered with bank account, then Choosing “1. Mobile No.” would be sufficient.

Step 4: Following that, now you have to enter the amount you want to transfer. Dial the amount you want to transfer.

Step 5: After entering the amount, type your UPI PIN that you will be asked for.

Step 6: A message will be shown on your phone upon successful transfer of money. Also, SMS informing you about the transaction will be delivered to your number.

Features offered by *99# Service

Financial Services:

  • Sending money using Mobile Number / UPI ID / Aadhaar No. / Account No + IFSC
  • Requesting money using UPI ID / Mobile Number.

Non-Financial Services:

  • Checking your Account Balance
  • Setting UPI PIN
  • Changing UPI PIN
  • Getting to know last 5 transactions

Value-added Services:

Check if your aadhaar is linked with the mobile number / bank account

Scroll to Top