Add or remove a bank account on Google Pay

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When you set up Google Pay for the first time, you’ll be asked to add a form of payment to send and receive money.

Checklist for addition of bank account on Google Pay

Before you add a bank account on Google Pay, here are a few things you should check:

Make sure that your bank works with UPI. If it doesn’t, your bank account won’t work with Google Pay.
Make sure that you have outgoing SMS services turned on. Some prepaid recharge packs don't have outgoing SMS enabled, so you need to get in touch with your operator. To check your balance with different operators:
- Jio - 333#
- BSNL - *123*1#
- Airtel - *121*7#
- MTNL - *123#
- Tata - *111#
- gVI - *199*1*8#
Tip: To test if this works, send an outgoing SMS to a friend or family member.
Make sure your SIM belongs to the same mobile number linked to your bank account.
To send a verification SMS, give permission to Google Pay. Standard SMS charges apply.
- For single-SIM devices, ensure that your “active” SIM card belongs to the same mobile number linked to your bank account.
- For dual-SIM devices, check your outgoing SMS settings. If your SMS is set to “Ask every time” for which SIM card the SMS should be sent from, you need to change this setting: Tap Settings, select SIM cards and tap on Dual SIM settings.

Verify the addition of your bank account with a debit card or Aadhaar

Important: When you add a bank account on Google Pay, you will need to verify your account using a debit card or Aadhaar.

Make sure you have a debit card or Aadhaar linked to the bank account you want to add.
Make sure your Aadhaar is linked to the same mobile number registered with the bank account that you want to add. To find the mobile number linked to your Aadhaar number:
1. Go to https://uidai.gov.in.
2. Under “Select preferred language,” tap the preferred language.
3. Tap My Aadhaar Aadhaar services.
4. Tap Verify email/mobile number.

If you can’t find the option to link your bank account to Google Pay through an Aadhaar card, your bank may not allow verification through Aadhaar. For more details, contact your bank. To get contact details for your bank, go to digisaathi.info.

Add a bank account with a debit card on Google Pay

On your mobile device, open the Google Pay app .
At the top right, tap Profile picture and then Add bank account.
Select your bank from the list. If you can’t find your bank, it doesn’t work with Google Pay.
From the list of accounts, select the account that you want to add.
- The bank accounts associated with your phone number are automatically retrieved. You don’t need to manually enter your bank account number or IFSC code.
To verify your account, add your debit card details such as the last 6 digits of card and the expiry date.
Next, you’ll need to create a UPI PIN. To create a UPI PIN, follow the on-screen instructions.
- If you have an existing UPI PIN: You'll be asked to enter it.
- If you don’t have an existing UPI PIN: Follow the instructions on the screen to create a new UPI PIN.
- If you don’t remember your PIN: Tap Forgot PIN and follow the instructions.

Add a bank account with Aadhaar on Google Pay

Important: Your bank account must support Aadhaar-based onboarding. If not, contact your bank to inquire about the availability of Aadhaar-based onboarding on UPI apps. To get the contact details for your bank, go to digisaathi.info.

On your mobile device, open the Google Pay app .
At the top right, tap Profile picture.
Select Bank account.
Tap Add bank account.
Select your bank from the list. (If you can’t find your bank on the list, it doesn’t work with Google Pay.)
From the list of accounts, select the account that you want to add.
- The bank accounts associated with your phone number are automatically retrieved. You don’t need to manually enter your bank account number or IFSC code.
To verify your account, you need to add in your Aadhaar details: Enter the first six digits of your Aadhaar number and follow the on-screen instructions.
Next, you’ll need to create a UPI PIN. To create a UPI PIN, follow the on-screen instructions.
- If you have an existing UPI PIN: You'll be asked to enter it.
- If you don’t have an existing UPI PIN: Follow the instructions on the screen to create a new UPI PIN.
- If you don’t remember your PIN: Tap Forgot PIN and follow the instructions.

Change or remove a bank account on Google Pay

To update a bank account, remove it and add back.

On your mobile device, open the Google Pay app .
At the top right, tap Profile picture.
Select Bank account.
Tap on the account that you want to delete.
Tap More and then Remove account.

Decide where to receive money

When someone sends you money, it goes into your primary account.

On your mobile device, open the Google Pay app .
At the top right, tap Profile picture.
Select Bank account.
Tap on the account you want to update.
At the bottom, tap Set as primary account.