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UPI ID on two different phones connecting to one bank a/c

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cpranav19

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Hi,

I have to enable UPI ID on my daughters (still minor) phone connecting to my wife’s bank account. The mobile number on wife’s bank account is the wife’s mobile number.

The idea is to enable a UPI App on my daughters mobile phone connected to my wife’s bank account so that my daughter can pay for sundries and pocket money.

I tried PhonePe. But upon installation asks for mobile number connected to bank account. If we input my wife’s mobile, next it pops up an sms to be sent from daughters mobile for verification, which fails. My daughter still doesn’t have any independent bank account.

Pls advice if there is any way this can be achieved.

Thanks
 
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cpranav19 said:
Hi,

I have to enable UPI ID on my daughters (still minor) phone connecting to my wife’s bank account. The mobile number on wife’s bank account is the wife’s mobile number.

The idea is to enable a UPI App on my daughters mobile phone connected to my wife’s bank account so that my daughter can pay for sundries and pocket money.

I tried PhonePe. But upon installation asks for mobile number connected to bank account. If we input my wife’s mobile, next it pops up an sms to be sent from daughters mobile for verification, which fails. My daughter still doesn’t have any independent bank account.

Pls advice if there is any way this can be achieved.

Thanks
Click to expand...
Try the same with Paytm keeping SIM in mobile, and remove SIM after verification. But don't login Paytm in any other mobile
 
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AFAIK, UPI can be enabled on the phone number that is registered in bank account details.

I have seen 2 accounts of same bank registered to 1 number for UPI.

But not vice versa.

A better option would be to open a new joint acc of your wife + daughter and register daughter's number to that acc and enable UPI on any app that you want.
Also since you'll fund that acc every month or so, it's easy to monitor.

@cpranav19
 
Last edited:
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sheru said:
AFAIK, UPI can be enabled on the phone number that is registered in bank account details.

I have seen 2 accounts of same bank registered to 1 number for UPI.

But not vice versa.

A better option would be to open a new joint acc of your wife + daughter and register daughter's number to that acc and enable UPI on any app that you want.
Also since you'll fund that acc every month or so, it's easy to monitor.

@cpranav19
Click to expand...
If you change mobile number, then UPI stays on both new and old mobile number for the same account
 
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cpranav19 said:
Hi,

I have to enable UPI ID on my daughters (still minor) phone connecting to my wife’s bank account. The mobile number on wife’s bank account is the wife’s mobile number.

The idea is to enable a UPI App on my daughters mobile phone connected to my wife’s bank account so that my daughter can pay for sundries and pocket money.

I tried PhonePe. But upon installation asks for mobile number connected to bank account. If we input my wife’s mobile, next it pops up an sms to be sent from daughters mobile for verification, which fails. My daughter still doesn’t have any independent bank account.

Pls advice if there is any way this can be achieved.

Thanks
Click to expand...
Create your daughter's account on Amazon with her mobile number & let her use Amazon Pay Wallet UPI, seems to be a good solution as it will not be linked to your wife's account & will not have any risk regarding that account.
Add money to that wallet via UPI or debit card or Netbanking as needed.

(Min. KYC: 10K limit, Full KYC: 1l limit)
 
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TheRecharger said:
Create your daughter's account on Amazon with her mobile number & let her use Amazon Pay Wallet UPI, seems to be a good solution as it will not be linked to your wife's account & will not have any risk regarding that account.
Add money to that wallet via UPI or debit card or Netbanking as needed.

(Min. KYC: 10K limit, Full KYC: 1l limit)
Click to expand...
Isn't it the same thing as creating a new bank account, but with daughter's mobile number 🤔
 
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TheRecharger said:
Create your daughter's account on Amazon with her mobile number & let her use Amazon Pay Wallet UPI, seems to be a good solution as it will not be linked to your wife's account & will not have any risk regarding that account.
Add money to that wallet via UPI or debit card or Netbanking as needed.

(Min. KYC: 10K limit, Full KYC: 1l limit)
Click to expand...
Amazon Pay Wallet worst idea
Amazon Pay Wallet get easily hacked if your password is floating on internet, bank at-least have better security than amazon.

recently my frnd amz acc got compromised as he was using common password & 6K was used for purchasing gv from amz pay bal.
 
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cpranav19 said:
Hi,

I have to enable UPI ID on my daughters (still minor) phone connecting to my wife’s bank account. The mobile number on wife’s bank account is the wife’s mobile number.

The idea is to enable a UPI App on my daughters mobile phone connected to my wife’s bank account so that my daughter can pay for sundries and pocket money.

I tried PhonePe. But upon installation asks for mobile number connected to bank account. If we input my wife’s mobile, next it pops up an sms to be sent from daughters mobile for verification, which fails. My daughter still doesn’t have any independent bank account.

Pls advice if there is any way this can be achieved.

Thanks
Click to expand...

No,

As advised earlier, open a different account for your daughter. Even if she is less than 18 years old (I opened an account for my son when he was 14 years old in PNB and the bank registered his signature and gave him an ATM Card too), then too she can sign and operate a bank account. However, the bank account will be limited in terms of transaction value as you already desire. At the most, you can do is always keep a low balance in your daughter's account and transfer small sums as and when required. You may get your email registered in the bank, so that you will know automatically in case of debit alerts in her account. In netbanking, you can also set the max value for UPI and ATM transactions, thus securing it as per your needs.

Operating UPI from a different phone will not work as of now (it used to work earlier) as the Android Operating System notifies the UPI app when a SIM swap event occurred on your phone. So you cannot bypass this as this is a baked in feature of UPI.

Thanks!!
 
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RaviAgl said:
No,

As advised earlier, open a different account for your daughter. Even if she is less than 18 years old (I opened an account for my son when he was 14 years old in PNB and the bank registered his signature and gave him an ATM Card too), then too she can sign and operate a bank account. However, the bank account will be limited in terms of transaction value as you already desire. At the most, you can do is always keep a low balance in your daughter's account and transfer small sums as and when required. You may get your email registered in the bank, so that you will know automatically in case of debit alerts in her account. In netbanking, you can also set the max value for UPI and ATM transactions, thus securing it as per your needs.

Operating UPI from a different phone will not work as of now (it used to work earlier) as the Android Operating System notifies the UPI app when a SIM swap event occurred on your phone. So you cannot bypass this as this is a baked in feature of UPI.

Thanks!!
Click to expand...
Kotak App will work & i am using it.
for kotak no need to insert sim also.

just give otp & you are ready for upi transaction.
 
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