How to Check Bank Balance by UPI

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Posted By PAVZI
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Bank Balance Check by UPI Apps is an intelligent way through the Bank UPI App or Paytm, Google Pay, PhonePe, BharatPe, BHIM, etc…

Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application (of any participating bank). The user who has linked their bank account number with UPI services offered by any application can access instant balance enquiry. Bank smartphone users can access UPI services by registering for any UPI app like BHIM, Paytm, Google Pay, PhonePe, BharatPe, BHIM, etc.

Every UPI application provides similar services like fund transfer, bill payment, balance enquiry, and transaction history. However, customers who install their bank’s mobile application can access the UPI services in a unique way by creating their own UPI ID along with additional services offered by the bank.

Bank Balance Check by UPI

Balance Enquiry through UPI is very easy. The services are accessible in two or three steps. To utilize the services, you must register or link your mobile number with your bank account and follow the steps to register for UPI services.

UPI Registration

  1. Download and Install the UPI App.
    • Instal your preferred UPI Application, but we recommend the BHIM UPI App.
  2. Select your preferred language.
    • You can access the app in your own language, such as Hindi, English, Telugu, Tamil, etc.
  3. Register your mobile number.
    • Once the app is installed, you need to give permission to access the phone directory.
    • After that, the BHIM UPI ask to verify the phone number by sending an SMS.
    • Successful verification of the mobile number of the UPI App allowed for the next step.
  4. Set up your UPI Login PIN, called ‘Passcode’ or ‘MPIN’.
    • Set up a passcode on your own. Various UPI applications allow the creation of four-digit or six-digit passcodes, and then everyone can link to biometrics.
  5. Add your bank account using the UPI App.
    • Verified user can see their mobile number linked to the bank accounts list through the Bank Names.
    • Verify the account details by providing your ATM Debit Card number by entering your PIN Number.
    • Finally, the bank account is linked to the BHIM UPI.
  6. Setup UPI PIN for Security.
    • Set up a four- or six-digit passcode or password to verify UPI transactions; you can link the transaction passcode to your biometrics.

Now, everyone can start transactions using the UPI app; please note all UPI applications, like Paytm, Google Pay, PhonePe, BharatPe, BHIM, etc, have similar steps to register; the interface only changes on its own.

The bank provides UPI Services, which are linked with their mobile banking app, so customers can access transactions by providing a passcode generated on the responsible bank mobile application.

Balance Enquiry through UPI

  1. Open the UPI App on your Smartphone.
    • Your bank account UPI applications like Paytm, Google Pay, PhonePe, BharatPe, BHIM, etc., are open on the phone.
  2. Login through ‘MPIN’ or ‘Biometrics’.
    • By entering the login PIN, the application is allowed to reach into the dashboard.
    • Customers can link the login with their biometrics generated with the phone.
  3. Go to the Account Section, and Select the Account Number.
    • The UPI System allows you to add multiple bank accounts. Select an account from the list of accounts you need to get a balance enquiry.
  4. Proceed with the ‘Balance Check’ option.
    • By taping on the account number, the ‘Balance Check’ option is displayed, proceed with that.
  5. Verify the UPI with the ‘Passcode’ or transaction PIN.
    • Every transaction needs to be verified with the passcode; enter the MPIN or Passcode to validate.
  6. Now you have seen the funds available in the account.
    • Finally, the UPI App shows you the funds available in the account.


  • Customers of the bank must register or link their mobile number to access the UPI Services.
  • Advised to use an updated version of the application through updating by AppStore regularly.
  • Don’t share the ‘Passcode’ or ‘MPIN’ with anyone.
  • Change the UPI password (MPIN) regularly, which gives better security.

Hi, I'm Pavzi. I have 15 Years of Experience in the Financial Industry; here, I have posted various Financial Updates and Money Matters with How-to Guides according to the Latest Fintech News updates.