Account holders can link Aadhaar card with bank accounts both online and offline. Aadhaar seeding with bank account online can either be done through the bank’s mobile application or through internet banking. However, to avail the facility, the user should be registered with the bank for the service. Mentioned below are a few key ways how to link Aadhaar Card with bank account online and offline
The government has made it mandatory to link Aadhaar and bank accounts only for receiving government scheme benefits and other benefits provided by the government. However, it is not mandatory to link the Aadhaar card with a bank account to access banking services.
Thus, it is optional to link your Aadhaar card with your bank account. Linking your Aadhaar card with your bank account is only mandatory to access numerous government subsidies and benefits, which include welfare schemes, direct cash transfers, scholarships, and pensions.
Importance of Linking Aadhaar with Your Bank Account
- Improved financial security: You can ensure increased financial security by linking your Aadhaar card with your bank account. This minimises the chances of theft and financial fraud leading to monetary losses.
- Ease of identity verification: Aadhaar card contains all your demographic and biometric data so financial institutions can cross-verify their identity. This ensures that only you can access your bank account, providing maximum security.
- Seamless online transactions: Numerous Aadhaar-enabled payment systems (AEPS) eliminate your need to remember PINs and passwords. Hence, it simplifies financial transactions from your account.
- Ease of account management: Linking your Aadhaar card with your bank account simplifies the KYC process. This helps consolidate identity and address proof, reducing the documentation process for financial transactions.
- Seamless digital payments: Digital payments are extremely common for account holders. Upon linking your bank account with an Aadhaar card, you can access various credit facilities and contribute to the growth of a cashless economy.
- Additional benefits: With the evolving technology, linking an Aadhaar card with a bank account provides an innovative solution to prevent fraud of any type. These solutions include eKYC, biometric-based authentication, and more.
You can instantly link your Aadhaar card with your bank account to reap these benefits. All you need to do is visit the official bank website or app. Click the ‘View/Update Aadhaar card’ option. Then, enter your profile password and your UID number twice and click on submit.
Online Procedure
Linking Aadhar through Internet Banking
Here are the steps to link a bank account with Aadhaar using Internet Banking.
Step 1: The user has to login to the bank’s official website.
Step 2: The user has to enter the user ID and password.
Step 3: From the ‘My Account’ section, the user has to click ‘Update Aadhaar with Bank Accounts (CIF)’.
Step 4: The user has to enter the profile password for Aadhaar registration.
Step 5: Enter the Aadhar number twice on the new page.
Step 6: Once the Aadhar number is entered, the user has to click the ‘Submit’ option.
Step 7: After successful linking of the Aadhar with the bank account, a message is sent to the registered mobile number.
Linking Aadhar through Bank’s Mobile Application
Here are the steps to link Aadhar using the Bank’s mobile application.
Step 1: The user has to login to the bank’s mobile application.
Step 2: From the ‘My Accounts’ section, click ‘Services’ tab and then click on the ‘View/ Update Aadhaar card details’ option.
Step 3: The user has to enter the Aadhaar number twice and then click on ‘Submit’ option.
Step 4: Once it is successfully linked to the bank account, the account holder will be notified with an SMS.
Offline Procedure
Linking Aadhar by Visiting Banks
Here are the steps to link Aadhaar to bank accounts by approaching banks.
Step 1: The user has to fill in the application form duly. This application can be obtained online if not can be the user can get from the bank.
Step 2: Enter the bank account details and the Aadhaar number.
Step 3: The user has to affix a self-attested photocopy of the Aadhaar card with the application form.
Step 4: The application form along with the photocopy of the Aadhaar card has to be submitted at the counter where the applicant has to furnish the original Aadhaar card for verification.
Step 5: The application will be accepted by the bank officials, and it takes a couple of days to link Aadhaar with the bank account.
Step 6: Once it is linked, the applicant will be notified in the registered mobile number.
Linking Aadhaar by Visiting ATM
Here are the steps to link Aadhaar with bank accounts by visiting ATMs.
Step 1: The cardholder has to swipe the card and enter the PIN.
Step 2: Select ‘Registrations’ from the ‘Services’ menu.
Step 3: Select ‘Aadhaar Registration’ option.
Step 4: Select the account type and enter the 12-digit Aadhaar number.
Step 5: The Aadhaar number has to be re-entered and then click the Okay button.
Step 6: The user will be notified through an SMS once the AAdhaar is successfully linked to the bank account.
Linking Aadhar though SMS
An account holder can link Aadhaar through SMS, but all banks do not provide this facility. Also, the SMS format with the number differs from one bank to another. A sample format is given below.
Step 1: A message has to be typed in this format.
UID<space>Aadhaar number<space>Account number and send it to 567676.
Step 2: A confirmation message will be sent stating that the request for linking Aadhar has been accepted.
Step 3: The bank verifies the details with UIDAI.
Step 4: If the verification goes unsuccessful, the user will be notified to visit the nearest bank branch with the original Aadhaar.
Linking Aadhar though Phone
Many banks provide the facility to link Aadhaar with the bank account using a phone. However, the contact number differs from one bank to another bank.
Step 1: If the bank supports Aadhar linking over the phone, the user has to give a missed call to the number that is provided by the concerned bank.
Step 2: The user receives a call back from the bank where he/ she can select options from the IVR.
Step 3: The user has to enter the 12-digit Aadhaar number and then has to confirm it.
Step 4: Once it is linked with the bank account, the user will be notified through an SMS.
Key Benefits of Linking Aadhaar Card with Bank Account
- Government benefits such as welfare funds, scholarships, MNREGA wages, etc. can be credited directly to your bank account.
- Government subsidies such as on LPG, kerosene, sugar, etc. can also be directly credited if your Aadhaar is linked to your bank account.
- Aadhaar-enabled accounts decrease the chances of fraudulent activity. It also prevents the leaking of government spending and assists in the detection of fraudulent transactions.
- Moreover, the AEPS (Aadhaar Enabled Payments Systems) online, interoperable architecture will let residents access their accounts from anywhere in the country.
FAQs
Can I link my Aadhaar to multiple bank accounts?
Yes, you can link multiple bank accounts to your Aadhaar.
How do I check an Aadhaar link with a bank account?
You can check an Aadhar link to bank account/UIDAI bank link by visiting the official website of UIDAI
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