PhonePe Referral Code 2026

Verified

UPI

AndroidiOS

Last verified 25 August 2026

PhonePe is one of India's most popular digital payments platforms that lets users send money via UPI, pay bills, recharge mobile numbers, buy insurance, invest, and make online or offline payments. The app is designed for fast and secure transactions directly from your bank account. Its referral program also gives new users a chance to earn cashback rewards after completing their first qualifying payment.

How to claim

No code neededJust use the link below to get this deal

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No referral reward was supplied or confirmed for this PhonePe invitation.

Key Features

Send money using UPI to eligible bank accounts and users.
Scan QR codes to make eligible merchant payments.
Link and manage eligible bank accounts for UPI payments.
Recharge mobile and DTH services through the app.
Pay eligible utility and credit card bills.
Use PhonePe for supported online and offline payments.

How to Use

1
Download the official PhonePe app on Android or iOS.
2
Register for a PhonePe account using the app's current signup process.
3
Add an eligible bank account linked to your active mobile number.
4
Complete the mobile and bank-account verification process required for UPI registration.
5
Create or set your UPI PIN as instructed by PhonePe and your bank.
6
Use PhonePe to make eligible UPI payments, transfers or merchant payments.
7
No referral reward or qualifying referral action could be confirmed from the supplied information.

Terms & Conditions

The app has not published specific referral terms for the supplied invitation that could be verified from the information provided. The following are standard conditions that typically apply. PhonePe UPI is available to registered PhonePe users with an eligible bank or payment account linked to their active mobile number. Registration may require mobile-network and SMS verification, while UPI payments generally require authorisation using a UPI PIN. Transaction limits and eligibility may be determined by PhonePe, banks, payment participants or applicable regulations.

Frequently Asked Questions

How do I set up UPI on PhonePe?

To use PhonePe UPI, register for a PhonePe account and add a bank account linked to your active mobile number. The UPI registration process can involve mobile-network verification and SMS verification before the bank account is linked and a UPI payment identity is created.

Do I need to create a UPI PIN to use PhonePe?

PhonePe states that UPI payments generally require the user to enter their UPI PIN to authorise a transaction. The PIN is used to approve payments from the linked bank account and should never be shared with another person.

Can I pay by scanning a QR code on PhonePe?

Yes. PhonePe supports QR-code payments at eligible merchant locations. You can scan a supported QR code, enter the payment amount where required, review the recipient details and authorise the transaction using the applicable UPI payment method.

Can I use PhonePe to pay bills and recharge my mobile?

Yes. PhonePe's official app listing includes mobile and DTH recharges along with utility bill payments. The available bill categories and payment options can vary, so check the relevant service inside the PhonePe app before completing a transaction.

Can I use PhonePe for online payments on a website?

Yes, supported websites can offer PhonePe as a payment option. PhonePe's help centre describes a web-payment flow where users select PhonePe, log in, choose a bank account and authorise the transaction through the PhonePe app using their UPI PIN.

Is a bank account required to use PhonePe UPI?

PhonePe's UPI terms state that users need a bank account or payment account linked with their active mobile number to register for and access PhonePe UPI. The exact registration process follows applicable UPI and NPCI requirements and may change over time.