5 Best Ways to Send and Request Money on Phonepe App

5 Best Ways to Send and Request Money on Phonepe App

Many people don’t want to use a new technology method with their hard-earned money when it comes to money. That is why smartphone people don’t know how to send or request money on phonepe.

If you are also among them, you are missing an essential digital payment feature. A digital payment transfers an amount from one account to another through electronic payment.

When someone requests money, they ask in number form, and all the transactions that occur are also in number format with no physical money involved.

If you want to learn the best way to send or request money on phonepe app, then this post will guide you on how to process this digital payment option.

Let’s get started.

Install and Set Up PhonePe App

First you need to download the phonepe app from the app store or play store. once you have installed, open the app and enter your mobile number.

Make sure your number should be linked to your bank account. After entering the mobile number, you will receive an OTP(One-Time Password) for verification.

Next, Add your bank account and phonepe will automatically fetch the necessary details using your mobile number.

Now Setup a UPI PIN (It require to process the transaction) and you are all good to go.

How to Request Money on Phonepe

Request money on phonepe apps is the same as requesting an amount in person, and you have to enter the person’s mobile number. Then send a message from the chat option and ask to send money to your account.

It is up to the sender whether he wants to approve or decline the request. Phonepe chat features make it very easy to communicate with the person before sending or receiving money on phonepe.

Requesting money through a chat option benefits people who don’t talk much or feel shy when asking for money.

You don’t require any specific knowledge to perform this action. Follow the step below:

Step 1: Open Your Phonepe Application

The primary step is to open your application and login into your account using the registered mobile number. Make sure you use the mobile number linked to your bank

account as it will automatically fetch your bank details and link your account with phonepe.

Step 2: Select Money Transfer Option

Once you are logged into your account, the next step is to select the money transfer option.

Step 3: Click on “To Mobile Number”

Under the money transfer option, you have to select via upi id or mobile number. Both are the same thing, and you will require a mobile number or UPI ID of a person you want to request money from on phonpe app.

Step 4: Enter Mobile Number or Choose From Contacts

Select the contact number of the person and tap on it. A new window will appear with two alternatives on the screen, i.e., SEND (Green color button on the left side of the screen ) & REQUEST (Red color button on the right side of the screen).

Step 5: Enter the Request Amount and Hit Request

Now, you have to enter the amount and press the request button. Your requested amount will appear on the screen.

Step 6: Wait for the Confirmation

At last, you have to wait for the confirmation. Once you have a request for the money, the only thing is to wait till the sender does not approve the request.

When the sender approves the request, the amount will automatically be transferred to your selected bank account.

Requesting money on phonepe also allows you to create reminders for the upcoming payment, your dues, and more.

How to Send Money Request on Phonepe

Sending money from phonepe and sending request money on phonepe is different. When we use the phrase send money from phonepe, we can choose any of the desired methods like mobile number, bank account, upi id, or code to send money to the recipient.

But when we refer to How to send money requests on phonepe, you have to approve the requested amount from your contacts.

  • Open the PhonePe app and log in into your account.
  • Look for the “Send” option on the home screen.
  • Enter the mobile number or UPI ID of the person you want to send money to.
  • Enter the amount you want to send.
  • Select the bank account.
  • Check the details again before entering your UPI PIN to authenticate the transaction. The money will be sent instantly.

Multiple Ways to Send Money From Phonepe

Later, only a few methods were available to send or receive amounts in your bank. But now, phonepe has introduced several ways to send money from one bank account to another.

Let’s discuss each method in detail.

Mobile Number

Phonepe allows their customers to send and receive money to their contact number directly using their mobile number. The only condition is that the mobile number should be linked to an active bank account.

If the person you send money to doesn’t have a phonepe account, you can invite them to download using the invitation link.

1. Open your phonepe app.
2. Select the mobile number under the send money section.
3. Enter the mobile number or select from your contact list.
4. Enter the amount you want to transfer.
5. Next, select the bank account and enter your pin to complete the payment.

Bank Account

Bank accounts are the oldest way to send money, but after the digital payment technology, you can transfer funds upto your daily limit 24/7.

There is no need to visit your bank branch and submit a form to transfer your funds. Now no one has time to perform this action.

That is why phonepe allows users to send and receive money directly from their bank account, even during non-banking hours.

You can also transfer money to your account using this feature. Ensure both bank accounts are linked to your phonepe account when performing this transaction.

Then only you can transfer your money from one account to another, and the best thing is phonepe doesn’t charge anything extra from their customers.


The complete form of UPI is the Unified Payments Interface. As the name suggests, it offers a unique payment address through which a customer can perform the transaction from his bank account.

This is the latest digital payment technology developed by NPCI (National Payments corporation of India) on 11 April 2016.

It creates a secure and safe interface between peer-to-peer bank connections and person-to- merchant transactions.

When you first enter the UPI of a person to transfer funds, it will automatically fetch the

person’s details and allow you to check the details before the transaction. Because of this, the false transaction and misleading transactions have become zero.

Wallet Transfer

Using an online payment app, you must be familiar with wallet facilities, and every app that allows online payment has its wallet.

The wallet is used for mobile recharge, bill payment, broadband, water, electricity bill, movie tickets, train tickets, and more.

To use a phonepe wallet, you must first transfer the amount from your bank account to your wallet.

Qr Code

A contactless digital payment method where you can make your payment directly by scanning a QR code from your mobile.

The QR code payment option is only applicable if you have a smartphone. Customers scan the merchant QR code from their smartphone to pay for the services or goods as in QR payment.

Additional Phonepe Features

Apart from sending or receiving money from one person to another, Phonepe also have additional features for their customers:

  • Bill payments for utilities like electricity, water, and gas.
  • Mobile and DTH recharges for prepaid services.
  • Insurance premium payments.
  • Credit card bill settlements.
  • Travel bookings for flights, buses, trains, and hotels.
  • Shopping and merchant payments online and offline.
  • Potential investment options like mutual funds or digital gold purchases.


In this post, we have shared how you can request money on the phonepe if you are a beginner. I hope we have covered all the information; if you need further assistance, feel free to contact us directly through the contact us page or comment below.

Is It Safe to Send Money From a Phonepe App?

Yes, doing a transaction using Phonepe is safe. Phonepe has, in principle, approval to perform the digital transaction from the Reserve Bank of India (RBI).

Do we Need a Mobile Number to Request Money on Phonepe?

Yes, a mobile number is mandatory to request or send money on the phonepe. Additionally,

the mobile number must be linked to the active bank account.

Is There Any Charge to Request Money on Phonepe?

At present, phonepe doesn’t charge anything from their customer.