How to Link Aadhaar Card to Bank Account Online & Offline?

Last Updated : Dec. 17, 2024, 3:39 p.m.

The Central Government of India has made it mandatory to link Aadhaar card with bank account. The process to link your Aadhar card to a bank account is simple and can be done in both ways online as well as offline. It is important to note that the user must be registered with the bank, in order to avail this facility. However, there are various ways of linking your aadhaar card to your bank accounts. You can either link your aadhaar card with your bank account via the bank’s mobile application or via internet banking.

Online and Offline Ways of Linking Adhaar Card with Bank Account

Here is a list of 5 different ways through which how you can link your aadhaar card to your bank account:

• Internet Banking
• Bank’s Mobile App
• Visiting the Bank Branch
• Via an ATM
• SMS
• Missed Call

The process to link your aadhaar card to bank account via every method is mentioned below:

Aadhaar Card Link Bank Account Via Internet Banking

The process to link your aadhaar card to bank account through internet banking is as follows:

• Login to your bank’s internet banking account.
• Enter your user ID and password.
• Click on the “Update Aadhaar with Bank accounts (CIF)” sub-section, under the “My Account” section.
• Enter your profile password for Aadhaar Registration.
• On the next page you will be asked to enter your Aadhaar number twice.
• After entering your Aadhaar number click on “Submit”.
• You will be notified with a message on the next screen of successful linking of your aadhaar card with your bank account.

Linking Aadhaar card with Bank Account Via Bank’s Mobile Application

Another method to link aadhaar card with bank account is via the Bank’s mobile application. The process is quite simple where you can link aadhaar number with a bank account online, since it has been made available on the bank’s mobile application for the customers. The process to link aadhaar card with bank account through bank’s mobile application is as follows:

• Download the Bank’s mobile application.
• Login using your credentials.
• Click on the “View/Update Aadhaar card details” option in the ‘My Accounts’ section,
• Click on “Submit” after entering your aadhaar number twice.
• Over the next screen you will be notified about the successful linking of your aadhaar card with your bank account.

Link Aadhaar Card with Bank Account By Visiting the Bank

Another such method to link aadhaar card to bank account is by visiting the bank branch. Account holders might get their account linked with their Aadhaar card by simply visiting the bank in person. The process for the same is as follows:

• Visit the bank and ask for the Aadhaar linking application form.
• Fill the application form with your bank account details along with your Aadhaar number.
• Attach a self attested copy of your Aadhaar card along with the application form.
• Submit the application form and other documents at the bank counter.
• The bank would accept your application and link your aadhaar card with your bank account.

However, it is important to understand that it might take a couple of days to successfully link your aadhaar card with your bank account. Moreover, you will be notified about the same on your registered mobile number.

Link Aadhaar Card with Bank Account at an ATM

Now you can even link aadhaar card with a bank account offline by visiting an ATM. All you need to do is:

• Head over to the Bank’s ATM.
• Swipe your card and enter your PIN.
• Select the “Aadhaar Registration” option under the “Services” menu.
• Enter your 12 digit aadhaar number after selecting your account type (savings/current).
• Re-enter your Aadhaar number and press Okay.
• You will receive a message about successfully linking your aadhaar card with your bank account.

Link Bank Account with Aadhaar Via SMS

With SMS facility you can be able to link Aadhaar to bank Account through the SMS. However, not all banks provide this facility therefore it is important to check with your bank to avail this facility. Moreover, the SMS format along with the bank’s numbers is different from one bank to another. Below is the process to link your aadhaar card with bank account through SMS:

• Type a message in the format UID Aadhaar number Account number.
• Send it to 567676 .
• You would receive a confirmation message when your request is accepted.
• The bank will then verify all the details with UIDAI.
• Your aadhaar card will then be linked to your bank account. If in case, your verification is unsuccessful, then you might have to visit your nearest bank branch.

Link Aadhaar Card with Bank Account Through Missed Call

Many banks offer the facility of linking your aadhaar card to your bank account through phone. Different banks might have different phone numbers to link your aadhaar card to your bank account. Here is how you can link your aadhaar to your bank account using your phone:

• Give a missed call on the number provided by your bank
• You will receive a call back from the bank where you can select options from the IVR
• Enter your 12 digit aadhaar number and confirm it
• You will receive a confirmation of your aadhaar card being linked to your bank account via a text message.

Know Your Aadhaar Linking Status Online and Offline

You can check the status of your Aadhaar-bank account by linking through various methods. Below are the steps to verify whether your Aadhaar card is linked to your bank account.

• Through UIDAI
• Through mAadhaar Application
• Through Mobile
• By Branch Visit

Check Status of Your Aadhaar Linking Process with Bank Account Through UIDAI

Here are the steps to check the Aadhaar Seeding status with Bank Account through UIDAI(Aadhaar) Website -

• Visit the official UIDAI website.

• Enter your 12-digit Aadhaar number or 16-digit Virtual ID in the form provided.

• Input the Security Code displayed in the image near the text box.

• Click "Send OTP." The cellphone number associated with your Aadhaar will receive an OTP.

• Enter the OTP to proceed and check your Aadhaar-bank linking status.

The details provided will include:

• Masked Aadhaar number.
• Bank linking status (Active/Inactive).
• Bank linking date.
• Name of the linked bank.

Aadhaar Seeding Status with Bank Account Via mAadhaar Application

Here’s how you can check if your Aadhaar number is linked to your bank account online using the mAadhaar application:

• Log in to the mAadhaar app.

• Tap on ‘My Aadhaar.’

• Select ‘Aadhaar-Bank Account Link Status.’

• Enter your Aadhaar number and security code, then click on ‘Request OTP.’

• Enter the OTP sent to your registered mobile number and click ‘Verify’ to check the linking status.

Check the Status of Aadhaar Linkage Through Mobile

You can instantly check the Aadhaar-bank linking status using the USSD code on your registered mobile number. Follow these steps:

1. Dial *99*99*1# from your mobile number registered with UIDAI.
2. Enter your 12-digit Aadhaar number accurately when prompted.
3. Re-enter your Aadhaar number for confirmation and press the ‘Send’ button.

If the linking is complete, the name of the linked bank will be displayed on your mobile screen. Ensure you use only your UIDAI-registered mobile number for this process.

Aadhaar Linking Status By Visiting the Bank Branch

To verify the linking status of your Aadhaar number with your bank account, visit your nearest bank branch. Request the bank representative to check whether your Aadhaar card has been successfully linked to your account. They will review the records and provide you with the status.

Point to Remember:

Checking your Aadhaar bank linking status allows you to confirm whether the process has been successfully completed. If the linking is successful, you can rest assured that you will receive the associated benefits. However, if the process is unsuccessful, you will need to repeat the steps to link your Aadhaar with your bank account.

Importance of Linking Aadhaar with Your Bank Account

Linking your Aadhaar with your bank account is important for several reasons:

• Facilitates Direct Benefit Transfers (DBT): Linking Aadhaar ensures seamless transfer of government subsidies, benefits, and welfare schemes directly into your bank account, minimizing delays and eliminating intermediaries.

• Enhanced Security: Aadhaar-based authentication adds an extra layer of security to your bank account. It helps prevent fraud and ensures that only the rightful account holder can access or perform transactions.

• Simplifies KYC Process: Linking Aadhaar with your bank account acts as a valid Know Your Customer (KYC) document, making it easier to open new accounts, apply for loans, and avail of other banking services without needing separate documentation.

• Easy and Quick Access to Services: Linking Aadhaar ensures you can access various banking services such as mobile banking, fund transfers, and digital payments more easily, using Aadhaar-based authentication.

• Faster Loan Processing: Banks may offer faster loan approval and processing if your Aadhaar is linked, as it helps establish your identity quickly and reduces the need for physical verification.

• Tax Filing and PAN Linking: Aadhaar linking with your bank account is also useful for linking with your PAN, making it easier for you to file taxes and avoid discrepancies in your financial transactions.
  
• Compliance with Government Regulations: Linking Aadhaar to your bank account ensures compliance with government regulations, as it is mandatory for certain banking activities under the Prevention of Money Laundering Act (PMLA).

POINTS TO REMEMBER

The bank is at fault if, despite providing all necessary documentation, the Aadhaar number does not appear in the NPCI mapper. The customer should contact the bank's customer service cell for grievance redressal and follow the escalation matrix if the issue remains unresolved.

If the customer wishes to escalate the matter to NPCI, a copy of the Aadhaar consent form duly acknowledged by the bank must be submitted. Consumers can report problems by sending an email to [email protected] along with a copy of the bank's Aadhaar consent acknowledgement.

Key Points to Note:

• A customer can link only one bank account with Aadhaar at any given time.

• If consent is given to multiple banks, subsidies will be credited to the last seeded bank account with an active status in the NPCI mapper.

• The consumer must physically visit the relevant bank branch and turn in a completed customer consent form in order to reactivate their Aadhaar status if it is now inactive.

Concluding

Linking your Aadhaar card to a bank account is a simple yet vital process, especially for availing government subsidies and benefits through Direct Benefit Transfer (DBT) schemes. While it is optional for general banking services, linking ensures streamlined identity verification, improved financial security, and ease of access to welfare programs.

This process not only supports seamless digital transactions but also enhances financial inclusion by enabling Aadhaar-enabled payment systems (AEPS). By linking your Aadhaar, you contribute to the efficient delivery of benefits and services, fostering a cashless and transparent economy.

For a hassle-free experience, ensure your Aadhaar linking status is active through online tools, the mAadhaar app, or by visiting your bank branch.