UPI Without Bank Account: Google Pay Launches ‘Pocket Money’ Feature for Easy Payments

UPI Without Bank Account : Google Pay has added a function that lets you pay without a bank account. Google Pay’s UPI Circle now features a “Pocket Money” option. This feature allows users to allow their friends and relatives to utilize their own bank account to make UPI payments. As a current Google Pay UPI user, you are the main user and can add friends, relatives, or coworkers to your UPI Circle. After that, they join your UPI Circle as secondary users. As a result, they can use your own bank account to make payments as secondary users.

What is the Pocket Money feature?

This Google Pay tool is ideal for managing pocket money, supporting dependents, and easing employee payments. As the primary user, you can establish transaction limits at any moment and authorize payments. Simply expressed, this functionality is extremely handy for people who do not have a bank account but still need to make UPI payments. For example, parents can add their children as secondary users to their UPI circle and set aside a certain amount as pocket money for them. As a result, the children will be able to make payments directly from their parents’ bank accounts, subject to the limits set by their parents.

Primary users retain control.

The primary user can manage transactions in two ways: by setting transaction limits and authorizing payments. Granting full access to a secondary user immediately sets the account limit to ₹15,000 per month.

The following factors are necessary to create secondary users.
To become a Primary User, you must first have a UPI account.
You can add up to 5 secondary users.
To add a Secondary User to your UPI Circle, you must first save their phone number to your contacts.
They must have Google Pay installed and their phone number registered with it.
They must have either a UPI ID or a UPI Circle QR code.

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How can you enable the Pocket Money function on GPay?

To do so, first launch the Google Pay app on your smartphone.
Next, visit ‘UPI Circle’. Alternatively, the feature may display immediately upon opening the app.
Search for and pick the secondary user’s name or phone number.
Scan the UPI Circle QR code of the desired contact to customize the approval settings.
You can select either “Approve every payment” or “Set a monthly limit.”
You’ll need to offer some extra information about the secondary user, such as your relationship with them and their government ID.
Choose a bank account for them and then click ‘Invite’.
To send the invitation, enter your UPI PIN.
This is how you can use the feature.

This function is part of the new UPI Circle system, which is intended to make digital payments more accessible to people without bank accounts, such as children and students.

UPI Without Bank Account Feature Changes Digital Payments

With this new approach, one main user (the primary user) can authorize another individual (the secondary user) to make payments from their bank account. The secondary user is not required to link any bank accounts, but can still pay using the app.

This implies that parents may offer their children access to regulated spending, and families can assist senior relatives in managing payments more easily. The functionality also allows you to add up to five people to one account, making it ideal for families.

There are two control options available. In one mode, the primary user can set a monthly limit of up to ₹15,000 and make payments without approval. In the second option, each transaction requires approval before money is transferred.

While this feature is convenient, some users are concerned about safety and misuse. However, reports reveal that the system has strong controls in place, such as spending limits, permission settings, and payment tracking, which helps to reduce risk.

According to experts, this change is a positive step toward financial inclusion, as it will enable more people to use digital payments. At the same time, users must exercise caution when allowing access to others.

Overall, the new capability demonstrates how quickly India’s digital payment infrastructure is expanding. It provides both opportunities and responsibilities, so users must understand how to utilize it safely.

This functionality has the potential to transform how families and small users manage money in the coming days, making UPI more accessible than ever.