New UPI System : UPI quickly spread to everywhere because to its ease of use. However, many people are unable to use it due to a lack of a bank account. The Unified Payments Interface (UPI) requires a bank account. Its main disadvantage is that it does not include youngsters who do not have bank accounts. If your children are unable to utilize UPI because they do not have a bank account, there is no need to be concerned. We explain how to use UPI without a bank account. Multiple family members can use the UPI Circle feature on the same bank account to transact UPI.Let us know what this feature is and how to register to use it.
What’s the UPI Circle?

UPI Circle enables several people to use the same bank account to make UPI payments. These people could be family members like senior elders, spouses, or children who do not have a bank account or whose family members share a bank account. According to the National Payments Corporation of India (NPCI), a primary user can create up to five subsidiary users.
Table of Contents
New UPI System : Learn how to utilize UPI Circle step by step here.
BHIM-UPI is used as an example. This method can also be used to register in other applications.

- Step 1: Login to the BHIM-UPI app and select ‘UPI Circle’. A new page will appear, where you must click on the ‘Add Family or Friends’ button. You can add family or friends to your UPI circle in two ways: scanning the QR code or inputting their UPI ID.
- Step 2: We’re enrolling with the UPI ID option. When you’ve entered your friend or family member’s UPI ID, click the ‘Add to my UPI circle’ option. A new screen will appear, prompting you to enter the phone number of the person you want to add to your UPI circle. Please keep in mind that this person must already be in your contact list before he may be added.
- Step 3: You are now given two access types:’spend with limitations’ and ‘approve every payment’. In the first option, you designate a limit, and the secondary user can only transact within it. The second option, “approve every payment,” needs you to give approval for each transaction started by the secondary user.Select according to your needs and then click ‘Proceed’.
- Step 4: We choose the option of spending with limits. When you select this option, you must supply three inputs. Once completed, click on ‘Proceed’. To authorize, enter your UPI PIN. That’s it; the secondary user has now been added to your UPI circle.
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