Sending money when offline: How to make UPI transactions without internet connectivity

With offline UPI transactions , users can easily make digital payments even in areas with limited or no internet connectivity. Using the USSD code or the offline UPI payment number , users can send or receive money, check their balance and even change their UPI PIN directly from their mobile phone. This service is provided by the National Payments Corporation of India (NPCI) for both smart and feature phone users, enabling access to banking services.

What is the offline UPI number
The offline UPI payment number is *99#. This number allows users to perform transactions without an active data connection. The service operates nationwide in collaboration with 83 banks and 4 telecom service providers, which is available in 13 languages, including English and Hindi.

To use it, dial *99# from your registered mobile number and follow the interactive on-screen menu. The current limit for an offline UPI transaction is Rs 5,000, and banks may charge a fee of Rs 0.50 per transaction. Here are some things to remember:



How to set up offline UPI payments

Follow these steps to activate offline UPI payments:

Dial *99# from your registered mobile number.

Select your preferred language from the available 13 options.

Enter your bank’s IFSC code when prompted.

Choose the linked account you wish to activate UPI for.

Enter the last six digits and expiry date of your debit card for verification.

Once verified, your phone will be enabled for offline UPI transactions.

How to make offline UPI payments

When you’re in an area without internet access, follow these steps:


To disable offline UPI, dial *99# again and follow the menu to deactivate the service.

Tips for using offline UPI payments



Offline UPI payments make digital transactions possible even without internet access. By simply dialling *99#, users can send or receive money, check balances, and manage UPI securely. Though the Rs 5,000 limit may limit large payments, this service is helpful in areas with poor connectivity, ensuring smooth, secure financial access across India.

Benefits of offline UPI payments


Frequently asked questions (FAQs)
Here are some frequently asked questions that users may have about offline UPI transactions:

1. What are the advantages of UPI payments made offline?

They do not require an internet connection for a transaction, making them ideal for rural or low-network users.

2. What are the security measures for offline UPI transactions?

Encryption secures the transactions, and every transfer requires verification by UPI PIN.

3. Can I check my offline UPI transaction history?

Yes. Dial *99#, then follow the on-screen menu options to access your transaction history.

4. Are there transaction limits for offline UPI payments?

Yes. Rs 5,000 per transaction is the maximum amount, though this may differ from one bank to another.

5. Is offline UPI available for all types of transactions?

Yes. You can send or request money, check balances, and also make merchant payments.

6. Which organisation has launched offline UPI?

The NPCI has launched the service with the help of banks and telecom operators.