How To Link Aadhaar With Bank Account Online and By SMS - Step By Step Guide (2024)

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!

Latest Update

UIDAI recently announced that people, whose Aadhaar cards were issued more than 10 years ago, can update their demographic details on myAadhaar portal for FREE from 15th March, 2023 to 30th June, 2023.

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.

How to Check Aadhaar Card Link Status With Bank Account

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.

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Disclaimer

This article is solely for educational purposes. Navi doesn't take any responsibility for the information or claims made in the blog.

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