USSD Money Transfer – Send Money Without Internet

1. A user dials the USSD code (e.g., *99#) on their mobile.
2. The mobile network routes the request to the bank's USSD platform via NPCI.
3. An interactive menu appears, allowing users to check balance, transfer funds, or view mini statements.

It is a quick, secure, and cost-effective way to perform banking transactions on feature phones or in low-data environments.

USSD Money Transfer in India

USSD-based mobile banking can be used for fund transfers, checking account balance, generating bank statement, among other uses. The main objective of the innovative *99# payments service is to allow financial inclusion of the underbanked and economically weaker sections of the society, and integrate them into mainstream banking. In an effort to make this service accessible to all, the service is available in 12 languages, including English and other Indian languages such as Hindi, Tamil, Bengali, and Kannada, to name a few.

USSD is a technology platform through which information can be transmitted through a GSM network on a basic phone. This service will be available on all mobile phones with SMS facility. To use USSD mobile banking, users will have to simply dial *99# and use the interactive menu. There are many banks in India that are currently providing the *99# service.

Step-by-Step Process to Accessing USSD Banking

Follow these simple steps to start using USSD banking in India:

• Register your mobile number with your bank.
• Dial *99# from your registered mobile.
• Choose your preferred language.
• Enter your Bank’s Short Code or first four letters of your bank name.
• Access options like: Check account balance Send money using MMID or IFSC Mini statements Change MPIN
  • Check account balance
  • Send money using MMID or IFSC
  • Mini statements
  • Change MPIN

This service is available 24/7 on all GSM networks, without needing internet access or a smartphone.

How to Send Money Using USSD *99# Using MMID & Mobile Number?

Step 1: Register bank account with mobile number and dial *99#

Step 2: The interface will open up and you can: Type 3 letters of your bank short name or first 4 letters of bank IFSC or 2-digit bank numeric code, proceed to click 'Send'.

Step 3: Now, choose number '3' to send money and proceed key in payee/beneficiary mobile number

Step 4: Proceed to key in the beneficiary/payee MMID, transaction amount

Step 5: Key in MPIN and last 4 digits of your bank account number

How to Send Money Using USSD *99# Using IFSC Code & Bank Account Number?

Step 1: Dial *99# from your registered mobile number

Step 2: Proceed to keyin 3 letters of your bank short name or first 4 letters of bank IFSC or 2-digit bank numeric code

Step 3: Choose the option to transfer funds using IFSC code and mobile number

Step 4: Enter beneficiary/payee account number, IFSC code and transaction amount

Step 5: Key in MPIN and last 4 digits of your bank account number. A confirmation message will be displayed on screen

Language Codes for USSD Transfer

Features & Benefits of USSD *99# Service

1. Works without data connection on a basic phone
2. Works round the clock
3. Easy to use
4. Works on all GSM handsets
5. Highly secure interface.

How to Register for USSD Banking

To start using *USSD (99#) services, registration is mandatory. Here's how:

• Visit your bank’s branch or use ATM to link your mobile number.
• Set your MPIN (Mobile PIN) through USSD or ATM.
• Ensure your mobile number is active on the GSM network.
• Dial *99# to verify activation and access the USSD banking menu.

Note: No data connection or smartphone is needed, making it ideal for rural and semi-urban users.

What You Can do with USSD Banking?

Information / Details Required for USSD Fund Transfer:

1. MMID
2. MPIN
3. Registered mobile number