Joint account with two phone numbers/upi ids

[RM95]

I think this has been discussed before in other threads, but I didn't find any viable solution yet, so asking this again:

My wife and I are planning to open a joint account where we want to deposit money from our salary accounts for rent, some household/online spends, etc.
It has to be linked to both of our phone numbers so that we can use UPI from both of our phones, and dual debit cards would be the cherry on top.

Any suggestions on what account to go for that satisfies both (or atleast the UPI criterion)?

 

[SplendorSuperman]

I have Elite Equitas bank joint account with my brother, we both use upi ids with our respective mobile numbers.
Also issued 2 debit cards.

 

[RM95]

I have Elite Equitas bank joint account with my brother, we both use upi ids with our respective mobile numbers.
Also issued 2 debit cards.

Are their services good? I was more inclined towards the bigger players like ICICI, Axis, HDFC, SBI.

 

[AritraSaha]

I think this has been discussed before in other threads, but I didn't find any viable solution yet, so asking this again:

My wife and I are planning to open a joint account where we want to deposit money from our salary accounts for rent, some household/online spends, etc.
It has to be linked to both of our phone numbers so that we can use UPI from both of our phones, and dual debit cards would be the cherry on top.

Any suggestions on what account to go for that satisfies both (or atleast the UPI criterion)?

@4uziaul
Maybe he xan help.🙂

 

[SplendorSuperman]

Are their services good? I was more inclined towards the bigger players like ICICI, Axis, HDFC, SBI.

In my case local branch’s operations manager does my RM’s job so I have no issues. Their RM often check regularly over the phone for any issues.
In my view they are doing good.

 

[nileshgr]

Opened joint account in Either/Survivor mode with HDFC - with two debit cards, both of us are able to use UPI independently against our mobile numbers. Can't have different UPI PIN though.. which is fine for me.

Edit: The limitation of 1 account 1 mobile seems to be there. Only one of us is able to use UPI via any UPI app (Payzapp, PhonePe, etc). But HDFC Bank's own app works for making UPI payments (without UPI Pin) - for both of us.

 

[Priya KaramPriya Karam is verified member.]

I think this has been discussed before in other threads, but I didn't find any viable solution yet, so asking this again:

My wife and I are planning to open a joint account where we want to deposit money from our salary accounts for rent, some household/online spends, etc.
It has to be linked to both of our phone numbers so that we can use UPI from both of our phones, and dual debit cards would be the cherry on top.

Any suggestions on what account to go for that satisfies both (or atleast the UPI criterion)?

Hi,
I can help you with this regard since I am working in Axis Bank Affluent segment. Share with me your contact number so that we can discuss about it more in depth.

 

[nileshgr]

Hi,
I can help you with this regard since I am working in Axis Bank Affluent segment. Share with me your contact number so that we can discuss about it more in depth.

Does this work with Axis platform? I had opened joint priority account in Axis first to try, but it didn't work & branch, customer service said it's not possible -- it doesn't work for me. Both of us are independently able to operate the account via net banking / mobile app though.

 

[skchamp]

Opened joint account in Either/Survivor mode with HDFC - with two debit cards, both of us are able to use UPI independently against our mobile numbers. Can't have different UPI PIN though.. which is fine for me.

Edit: The limitation of 1 account 1 mobile seems to be there. Only one of us is able to use UPI via any UPI app (Payzapp, PhonePe, etc). But HDFC Bank's own app works for making UPI payments (without UPI Pin) - for both of us.

Is it still working smoothly? Are both able to use UPI's from your own numbers?

 

[nileshgr]

Yes. Like I mentioned earlier - PIN based transaction works only for one of us at a time. But HDFC app has a facility to bypass the UPI PIN and pay directly to QR / UPI ID based on fingerprint or app PIN / password.

 

[deburger]

I have Elite Equitas bank joint account with my brother, we both use upi ids with our respective mobile numbers.
Also issued 2 debit cards.

Are you able to use common providers like gpay, phonepe on both the mobile phones?

 

[Zacobite]

I think this has been discussed before in other threads, but I didn't find any viable solution yet, so asking this again:

My wife and I are planning to open a joint account where we want to deposit money from our salary accounts for rent, some household/online spends, etc.
It has to be linked to both of our phone numbers so that we can use UPI from both of our phones, and dual debit cards would be the cherry on top.

Any suggestions on what account to go for that satisfies both (or atleast the UPI criterion)?

icici.. different numbers will work as 2 separate users.. . but upi pin has to be same.. self experience ***

 

[SplendorSuperman]

Are you able to use common providers like gpay, phonepe on both the mobile phones?

Y E S

 

[MihirA]

I think this has been discussed before in other threads, but I didn't find any viable solution yet, so asking this again:

My wife and I are planning to open a joint account where we want to deposit money from our salary accounts for rent, some household/online spends, etc.
It has to be linked to both of our phone numbers so that we can use UPI from both of our phones, and dual debit cards would be the cherry on top.

Any suggestions on what account to go for that satisfies both (or atleast the UPI criterion)?

@RM95 - Please tell me how you went about this? I am looking for exactly this. A joint account with wife linked to both our mobile numbers so that it can be used for UPI on both our phones (can be used on apps like Paytm, PhonePe, Gpay, etc.). You posted this exact query in Nov'2023. So asking you now in Jun'2024. Have you been able to find a solution? Would appreciate help on this!