Nowadays, everyone uses online payment apps like Google Pay, PhonePe, UPI, and Paytm. People prefer online payments for both small and big transactions. However, sometimes network issues or a dead smartphone battery can create problems in making payments. In such situations, people often feel helpless about how to complete the payment.

If you ever face such a problem, don’t worry! Today, we are sharing a simple trick that allows you to transfer money even without an internet connection. The *99# mobile banking service can help in such cases. It is a USSD (Unstructured Supplementary Service Data) based banking service. Let’s understand how this service works.

How Does the *99# Service Work?

The *99# mobile banking service is an excellent solution for everyone across the country. It is offered by 4 telecom companies and 83 banks. A key feature of this service is that it is available in 13 different languages, including Hindi and English. With this service, you can send money without needing an internet connection. Additionally, you can change your UPI PIN and check your account balance. This service is especially useful for those who face network issues while making payments.

How to Set Up Offline UPI Payments?

  • Dial *99# from your feature phone or smartphone.
  • Make sure to use the SIM card that is linked to your bank account.
  • Choose your preferred language and select your bank.
  • A list of bank accounts linked to your number will appear. Select the account you want to use.
  • Enter the expiry date and the last 6 digits of your debit card.
  • Once these steps are complete, you can make UPI payments even without an internet connection.

How to Send Offline UPI Payments?

  1. Dial *99# from your phone and press 1 to send money.
  2. You will be presented with a few options. Choose the one for transferring money.
  3. Enter the UPI ID, phone number, or bank account number of the person you want to send money to.
  4. Enter your UPI PIN to confirm the transaction.
  5. Your payment will be completed successfully.

Note: You can transfer up to Rs 5,000 per day using this service.