How To Link Aadhaar With Bank Account Online and By SMS – Step By Step Guide
There are many benefits of linking an Aadhaar card with a bank account. For instance, refunds after income tax filing become seamless and convenient. You can open a second bank account easily and prevent fraudulent transactions from occurring. If you want to know how to link your Aadhaar card with your bank account, check out this step-by-step guide. Keep reading!
Why Link Aadhaar with Bank Account – Top Benefits
Here are a few benefits that you will get by linking your bank account with Aadhar :
- You can easily open another bank account and avoid the stringent KYC procedure.
- After linking your Aadhaar with your bank account, you will be able to enjoy the direct credit of subsidies that the government offers on LPG, sugar, kerosene, etc.
- Aadhaar-enabled accounts are usually considered as secure as UIDAI gets all the verification done before allotting the Aadhaar number.
- Enables direct credit of different Government welfare funds, pensions, scholarships, etc.
- Aadhaar enabled Payment System ensures a reduction in Government spending leakages. Plus, it allows residents to access their accounts from anywhere in the country.
How to Link Aadhar with Bank Account Online
There are many ways to link your bank account with Aadhaar online:
1. Via Net Banking
- Step 1: Use your bank’s net banking feature to log in to your bank account. Enter your customer ID and password. Hit ‘Enter’.
- Step 2: Once logged in, you will find the ‘Aadhaar Seeding’ option over there. Click on it to proceed further.
- Step 3: Here, you will have to provide your Aadhaar details. Upon submitting the required information, you will receive a confirmation message once the verification part is done.
2. Via SMS
- Step 1: Note the format for sending SMS from the registered mobile number provided by the bank. Now type ‘UID’ <space> your Aadhaar number <space> your bank account number> and then send it to 567676.
- Step 2: You will receive an acknowledgement message upon sending the SMS. This message will confirm that the authorities have received your seeding request.
- Step 3: Post verification, you will receive a confirmation stating that your Aadhaar number is linked to your bank account.
3. Via Mobile Application
- Step 1: You need to check if your bank’s mobile application is available. Download the app, if available.
- Step 2: Now, use your credentials to log in to the app. On the home page, under ‘Service Request’, select the relevant option.
- Step 3: Next, you will have to provide your Aadhaar details and click on ‘Submit’ to complete the procedure.
Once the verification process is complete, you will receive a notification confirming that your bank account is linked with your Aadhaar.
How to Link Aadhar with Bank Account Offline
There are many ways to link your bank account with Aadhaar offline:
1. Visit the Branch
- Step 1: Individuals have to collect the ‘Aadhaar Linking’ application form after visiting the nearest branch of the respective bank.
- Step 2: They need to fill out the form by providing necessary information like bank account details, Aadhaar number, etc.
- Step 3: Now, the applicant needs to submit this form along with a self-attested photocopy of his/her Aadhaar card.
Once this process is complete, it will take around 24 hours to get the verification process done. The applicant will also receive a confirmation SMS regarding this on the registered phone number or email ID.
2. Via Phone Calls
- Step 1: Give a missed call to the number given by your bank. Make sure that your bank supports linking Aadhaar via phone call.
- Step 2: Expect a call back from the bank where a recorded voice will register your request.
- Step 3: Enter your 12-digit Aadhaar number and then confirm it.
- Step 4: A confirmation text will confirm your Aadhaar card has been linked with your bank account.
3. Via an ATM
- Step 1: You need to visit the nearest ATM of the respective bank.
- Step 2: Now, insert your debit card and enter the PIN. You will get to see the menu over there.
- Step 3: From those options, you need to select the one that allows you to link Aadhaar with your bank account.
- Step 4: Make sure to provide your Aadhaar number correctly in the next step and click on ‘Submit’ to finish the process.
After the completion of this process, you will receive a confirmation message mentioning that your Aadhaar is linked with your bank account.
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How to Check Aadhaar Card Link Status With Bank Account
In case you are not sure whether your Aadhaar number has been linked with your bank account, you can also use UIDAI’s website to check the same. The process involves the below-mentioned steps:
- Step 1: Go to the official website of Aadhaar
Go to the online portal of UIDAI
- Step 2: Click on ‘Check Aadhaar/Bank Linking Status’
Hover on ‘My Aadhaar’. A dropdown menu will appear. Under ‘Aadhaar Services’ click on the ‘Check Aadhaar/ Bank Linking Status’ option.
- Step 3: Enter your Aadhaar number and security code
You will be redirected to another page. Enter your 12-digit Aadhaar number and the security code. Next, click on ‘Send OTP’’ to receive a one-time password on your phone number.
- Step 4: Enter OTP
Enter the correct OTP to log in. Here, you will get to see the bank account and Aadhaar linking status.
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Final Word
Owing to the Central Government’s Digital India movement and technological advancements, it is beneficial to link Aadhaar with a bank account and it takes just a few minutes to do so. You may opt for online or offline procedures at your convenience. With a range of benefits available to account holders, Aadhaar and bank account linking are one of the first steps that one must take after opening a bank account and enjoy the benefits it brings.
FAQs
Ans: When you link Aadhaar with your bank account, UIDAI sends only your Aadhaar number, name, and biometrics to the bank. However, note that the bank does not share your account details with the government body.
Ans: Aadhaar is a preferred KYC document for all banking services. However, if you wish to submit other documents instead of Aadhaar for your bank account activities, you are free to do so. Aadhaar linking to a bank is mandatory only if you wish to receive subsidies or benefits under the government’s schemes.
Ans: You can link as many bank accounts as you want with your Aadhaar. However, if you are eligible to receive subsidies, you will get those in only one such account. The government will consider the latest bank account that you seed with your Aadhaar number when crediting subsidies.
Ans: You cannot check whether all your bank accounts are linked with Aadhaar using UIDAI’s website. Through that website, you will only find information regarding the latest account linked. To know whether your other accounts are linked, you must check with the relevant banks.
Ans: Linking your bank account and Aadhaar is possible via SMS only if your bank offers this service. Ask your bank about the SMS format and the number to which you must send this message. After sending the SMS, you should receive an acknowledgement message from the bank notifying you that the linking is complete.
Anyone with a valid Aadhaar card and bank account number is eligible for linking his/her Aadhaar number with the bank account. As per government mandate, it is now compulsory to link your Aadhaar number with bank account numbers.
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This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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