Add a bank account

When you first set up Google Pay, you’ll be asked to add an Indian bank account so that you can send and receive money.

How to add a bank account

Important: To prevent errors, do not leave the Google Pay app during bank registration.

  1. Check to make sure that your bank works with UPI. If it doesn’t, your bank account won’t work with Google Pay.
  2. Open Google Pay Google Pay.
    Note: Make sure that you're using the latest version of the app. If you're not sure, try to update the app.
  3. At the top left, tap your photo and then Bank account.
  4. Tap Add bank account.
  5. Choose your bank from the list. If you don’t see your bank, it doesn’t work with Google Pay yet.
    Note: You might need to give Google Pay permission to send a verification SMS to your bank.
  6. If you have an existing UPI PIN, you'll be asked to enter it.
    • If you don’t remember your PIN, tap Forgot PIN and follow the instructions.
    • If you don't have a UPI PIN, enter your debit card information.
      Note: Maestro debit cards do not have expiry dates. To add a Maestro debit card, use 01/49 as the expiry date.
Common issues
If you get messages that say 'Can’t send SMS' or 'Mobile network down' when you try to confirm your phone number to add your bank account, there are many potential causes:
  • SMS balance
  • SIM card
  • Network connection

Fix 'Can't send SMS' errors

If you get errors that tell you 'Can’t send SMS', check these common areas:

Tip: If the below options don't help fix your issue, try the general troubleshooting options.

Device issues

To find out if the issue is with your device:

  • Make sure that your device has a mobile network signal.
  • Make sure that Aeroplane mode is off.
  • Confirm that your SIM card registered with your bank is inserted.
  • Turn your device off, then turn it on again.
  • Try again later.

​SIM card issues

Important: Make sure that your SIM has an SMS plan. If your SIM doesn’t have an active SMS plan, you won’t be able to send any SMS messages.

If your device only has one SIM card:

  1. Remove the SIM card.
  2. Wait 30 seconds.
  3. Put the SIM card back in.
  4. Try again.

New SIM card or phone number

If you have a new SIM card, or recently ported a phone number to your SIM card, wait up to 48 hours and try again.

Dual SIM cards

If your device holds 2 SIM cards:

  • Swap the SIM cards, then try again.
  • Remove the other SIM card, then try again

Roaming

If you’re not in India, turn on SMS for your roaming SIM card in your Android device settings.

Refresh your SMSC

To make sure that your SMS service centre (SMSC) number is correct, refresh it:

  1. On your phone, dial: *#*#4636#*#*.
  2. Tap Phone information.
  3. Under 'SMSC', tap Refresh.

Fix 'Mobile network down' errors

If you get errors that tell you 'Mobile network down', your network may be temporarily down or experiencing higher traffic than normal. You can try again later, restart your device and try again or try these general troubleshooting options:

Clear messaging app cache

  1. On your mobile device, open the Settings app.
  2. Tap Apps & notifications.
  3. Select your messaging app.
  4. Tap Storage and then Clear cache.

Reset mobile network

  1. On your mobile device, open the Settings app.
  2. Tap System and then Reset and then Network settings reset.
  3. Tap Reset settings.
  4. If asked, enter your passcode, PIN or pattern.
  5. To confirm your reset, tap Reset settings.

Refresh your SMSC

To make sure that your SMS service centre (SMSC) number is correct, refresh it:

  1. On your phone, dial: *#*#4636#*#*.
  2. Tap Phone information.
  3. Under 'SMSC', tap Refresh.

Reset APN settings

  1. On your mobile device, open the 'Applications' folder.
  2. Tap Settings.
  3. Tap either Wireless controls or Wireless & networks.
  4. Tap Mobile networks and then  Access point names.
  5. Tap More and then Reset to default.
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