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What is USSD and UPI banking? How to access without Internet?

Mobile banking has brought the bank account in your hand. Today, you can check bank-balance, get a mini statement and do a payment through the mobile banking. But, what if you don’t have a smartphone or you don’t have the internet? The answer to this problem is USSD based mobile banking.

Download USSD *99# UPI Banking App from play store. Click here to download.

Play Store link : https://play.google.com/store/apps/details?id=shetty.shivaraj.ussdbanking
What is *99# and UPI banking? How to access without Internet? | TekkiPedia guide
USSD *99# and UPI Banking without internet
Here are the ways to access your bank accounts safely without providing your bank details, that too without internet.

1. USSD *99# Banking:

What is USSD
Did you ever try to get the mobile balance by dialling a certain code like *123#? Did you see the recharge vendor using certain codes to access mobile services?  These are the USSD codes.
The codes which directly communicate with the server of telecom company is called as the USSD. You must have noticed that this code starts with ‘*’ (asterisk) and ends with '#' (hash). The meaning or full form of the USSD is unstructured supplementary service data.

USSD for Banking
As USSD code connects to the telecom operator’s server, it also connects to bank’s server. Hence, it gives you access to your bank account and performs some transaction. The entry to your bank account is given on the basis of registered mobile number. Thus, you must use registered mobile number to dial the USSD code.
The connection to the server of your bank goes through the servers of telecom companies. The NPCI handles all the technicality of this USSD service.
A special number *99# is fixed to access the banking services. This number works across the banks. This system of banking transaction is termed as the NUUP.

More About NUUP
NUUP stands for National Unified USSD Platform. It is an innovative service developed by NPCI and launched by the Indian government. The service allows the banks and telecom service providers to work together seamlessly.

Services Through NUUP
NUUP uses USSD to perform various financial, non-financial and value added services. You can not only check your balance and see mini statement but also send money. There are some more options such as show MMID, generate OTP and change M-PIN.

2. Unified Payment Interface (UPI)

What is UPI App: Unified Payment Interface of India
UPI is a mobile platform based payment which facilitates the fund transfer between two bank accounts. Sending money through the UPI app is as easy as sending a message. You are not required to give bank account details for the fund transfer through the UPI payment system. UPI is one of the most advanced method among all the digital payments.

Benefits of UPI
UPI is revolutionary. It will make the banking transaction a breeze. The RBI governor Rajan considers the launch of UPI as the Whatsapp moment.
The UPI transfers the fund immediately. No restriction of holiday or working hours. The bank strike will also not affect the UPI payments. You do not require the bank account number and IFSC code of the recipient. You can transact from many bank account through a single UPI app. You are not required to wait up to 24 hours to send money to a new payee. Anyone would get money immediately. You can use the Cash on Delivery without paying cash to the delivery boy. Just approve the bill and the delivery boy would get confirmation.

How UPI is Better Than IMPS
IMPS also transfers fund immediately, 24 x 7. But, UPI has some advanatges.
To send the money through the UPI, you don’t need to know about the bank of the recipient. It is necessary in the case of IMPS. To use the IMPS, you need the bank account number and IFSC code of the recipient.
Only through the UPI, you can ask for the payments through the banking channel. In fact, one touch would complete the payment. You would agree that this method of getting payment would have more success rate. You can’t pay for online shopping through the IMPS. But UPI gives the easiest way of online payment.

Virtual Payment Address (VPA)
The UPI payment system does not use the bank account details of the recipient. But, there should be an accurate identification of the money recipient. Ultimately, all this convenience is fruitful if the money goes in right hands.
So, every user of the UPI apps must have a unique ID. This unique ID is called as the Virtual Payment Address (VPA). Now you can frown on this new headache of remembering the VPA. But, don’t worry. It is going to be very easy. It would be as easy as a mail ID.
Rather, It would be similar to the mail ID. For example shiva@hdfc, shetty@upi etc.
In fact, the App provider bank would allot the VPA to each user. You can choose the VPA similar to the mail address.
You can give this VPA to anyone to receive the money. The app would itself keep storing the VPAs of the person to whom you have transferred the money. It is like saving contacts in Gmail. So, from the next time you don’t even require VPA of the recipient.

What is the Charge of UPI Transfer
This is the next question in your mind. What is the extra cost of this extra facility?
Actually, You would be surprised, this extra convenience doesn’t come with the extra cost. Rather, It is too cheap to believe.
A transaction through the UPI would cost about 50 paisa. Whereas the fund transfer through the NEFT costs at least Rs 2.5. On the other hand, the IMPS fund transfer charges minimum Rs 5. The payment through the credit cards is much costly however the seller bears it. Now seller can pass the benefit of low cost of the transaction to you.

How To Get *99# and UPI APP

There are several UPI Apps. You can download any UPI enabled app from the google play store. As of now, the UPI enabled apps are made only for android. Soon, the windows and iOs customer would also enjoy this.

Which UPI App should I Download
Actually, you are free to download any UPI enabled app. It can be from your bank or any other. 

How To Connect With Bank Account
The UPI has made the fund transfer very easy. It is not a mobile wallet. Unlike the mobile wallet, you are not required to credit money into the UPI app. Rather, the every fund transfers take place through your bank account. UPI app just acts as the link between you and your account. In other words, It has made the bank account transaction much easy and cheap.
So, to establish the link between you and your account, you have to register your mobile number for *99# or UPI. This is a one-time process.

Which is the best and safe Android application which works without internet?
USSD *99# UPI Banking is one of the best android application available in the play store.

Play Store link: https://play.google.com/store/apps/details?id=shetty.shivaraj.ussdbanking
What is *99# and UPI banking? How to access without Internet? | TekkiPedia guide
USSD *99# and UPI Banking Application
Mobile Banking without Internet
Both *99# and UPI services are available
Safe and secure. This application doesn't store any of your information
Users can check the status of Aadhar linked to their bank account
Mobile Banking without Internet
User friendly interface and design
Easy to use, no additional registration process
Provides complete guide about USSD and UPI service
Single click to view the Account Balance, Mini Statement, Show MMID,
Send Money through Mobile Number & MMID or Account Number & IFSC
Perform Change MPIN and Generate OTP

This application is as much secure as internet banking or mobile banking. To transfer the money through the UPI app, one has to go through the two-factor authentication, which is taken care by telecom services and banks.

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