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National Unified USSD Platform - NUUP

Home > 24hr Banking >Mobile Banking > NUUP

National Unified USSD Platform (NUUP) - *99*49#

Service Overview

*99# - National Unified USSD Platform (NUUP)

*99# - National Unified USSD Platform (NUUP) is a platform provided by NPCI (National Payment Corporation of India) which works on the USSD technology, which is a transmission protocol used by GSM cellular telephones to communicate with the Telecom Service Providers (TSP). Though similar to SMS (Short Messaging Service), the USSD message however creates a real-time connection which remains open, thereby allowing a two-way exchange of data.

The service is available on simply dialing the short code *99# from any basic mobile phone, irrespective of the telecom service provider or mobile handset capability and without any need for a mobile internet plan.

Benefits of USSD (NUUP) service

       Bullet  An interactive session oriented service

       Bullet  Simple and easy to use

       Bullet  Works on almost all GSM handsets

       Bullet  GPRS connection (Internet data plan) not required

       Bullet  Works even while on the move

       Bullet  More secure than SMS

       Bullet  Interoperable with UPI

Services currently available

Financial :

    Send Money to

         Bullet  Mobile Number (Applicable only if mobile number is registered on BHIM App/NUUP Channel)

         Bullet  Aadhar Number

         Bullet  Virtual Payment Address (VPA)

         Bullet  IFSC and Account Number

         Bullet  Saved Beneficiary

  1. Request Money to

    1.    Bullet  Mobile Number (Registered on BHIM App /NUUP Channel)

         Bullet  Virtual Payment Address (VPA)

Non-Financial :

       Bullet  Add / Change Bank Account

       Bullet  Check Balance

       Bullet  Set / Change UPI Pin

       Bullet  View last 5 Transactions on UPI

       Bullet  View / Update Profile



USSD (NUUP) Banking (FAQs)

How do I register or enroll for the *99# NUUP service?

  1.    Bullet   Dial *99*49# (IDBI Bank direct code for first time users to select account) or dial *99# and enter Bank Name (IDBI) or 2 digit numeric code (49), or 3 digit bank short code (IDB) or 4 digits of IFSC (IBKL).

  2.    Bullet  Select desired language

       Bullet  Choose an account from the list of bank accounts linked to your mobile no. with the bank.

       Bullet  Enter last 6 digits of your debit card and expiry date separated bysingle space

       Bullet  Enter and re-enter 6 digit UPI PIN.

       Bullet  Your UPI PIN is set and Virtual Payment Address is automatically created.

* Please ensure your latest mobile number is updated to single unique Customer ID. If your mobile number is linked to multiple Customer ID's, you will be denied access to the service.

How do I set UPI PIN, in case UPI PIN is not created for a particular account?

       Bullet  Dial *99#

       Bullet  Select option ‘UPI PIN’

       Bullet  Enter last 6 digits of your debit card and expiry date separated by single space

       Bullet  Enter and re-enter 6 digit UPI PIN.

       Bullet  Confirmation message of successful UPI PIN generation is displayed on the mobile screen

How do I send money?

       Bullet  Dial *99#

       Bullet  Select option for Sending money using Mobile Number (Registered on BHIM App or NUUP channel) / Aadhaar Number / VPA – Virtual Payment Address / IFSC & Account No. / Saved Beneficiary.

       Bullet  Enter details as per beneficiary details chosen above.

       Bullet  Enter UPI PIN.

       Bullet  Check Transaction status (Successful/Failed) displayed on your screen.

How do I Collect or Request for money?

       Bullet  Dial *99#

       Bullet  Select option for Request Money

       Bullet  Enter Remitter’s Mobile Number (Registered on BHIM App / NUUP Channel) or VPA to collect money

       Bullet  Collect request is sent to the recipient on their respective UPI app or via SMS

       Bullet  You will receive money once remitter has authorized the request.

How do I check my Account Balance?

Dial *99#, select option for checking Balance and enter UPI PIN to get the balance details on your mobile screen.

How do I authorize Collect Request?

Dial *99#, select option ‘Pending Requests’ and accept the request by entering UPI PIN. You will receive a successful/failed payment message on your mobile screen.

How do I change my primary Account Number?

Dial *99#, select option ‘My Profile’ and choose option to change Bank Account. Enter Bank code (as explained in Q1) to get the list of accounts linked and select account to be set as primary account. If UPI PIN is not set for the account selected, OTP is triggered to the user for setting UPI PIN.

How do I know whether UPI PIN has been set or which bank account is linked?

Dial *99#, select option ‘My Profile’ and choose ‘My Details’ to see details such as Name, Virtual Payment Address, Bank Account Linked and UPI PIN status.

What should I do if I have forgotten my UPI PIN?

       Bullet  Dial *99#

       Bullet  Choose option ‘UPI PIN’ and select ‘Reset UPI PIN’

       Bullet  Enter Debit card credentials and OTP received from the Bank

       Bullet  Enter and Re-enter UPI PIN.

       Bullet  Confirmation message of successful UPI PIN generation is displayed on the mobile screen.

What should I do to change my UPI PIN?

       Bullet  Dial *99#

       Bullet  Choose option ‘UPI PIN’ and select ‘Change UPI PIN’

       Bullet  Enter old and new UPI PIN.

       Bullet  Confirmation message of successful UPI PIN change is displayed on the mobile screen.

How do I check my last few transactions?

Dial *99#, choose option Transactions to get your last few UPI/NUUP transactions.

How do I add a new beneficiary or manage my existing beneficiaries?

Dial *99#, choose option My Profile and select Manage Beneficiary to add/view/delete beneficiary.

How many transactions are allowed per session?

Only one transaction is allowed per session. Dial *99# to initiate a fresh transaction.

How do I change the language selected?

Dial *99#, select option ‘My Profile’ and choose option to change the language. Select desired language from the list and confirm.

In how many languages is NUUP service available?

NUUP is currently available on 11 Multi-lingual languages.










Will it work on only Java enabled or on basic mobile handsets? Will it require mobile internet connection or some software to be downloaded?

NUUP service does not require any mobile internet connection or software to be downloaded on the mobile. It works even on the most basic GSM mobile handsets

Do I need to have GPRS or Data plan for using NUUP (USSD)?

There is no need to have GPRS or any such data connection on your mobile. You can use the service from any GSM mobile which has a voice calling capability.

Does it work on CDMA mobiles?

No. USSD channel is supported only on GSM mobiles.

Do I need to generate UPI PIN for Non-Financial Services like Balance Enquiry?

Yes, You need UPI PIN to check balance and for any type of financial transactions. UPI PIN is not required for checking your profile and last few transactions.

Do I need to register for Mobile Banking to do Financial transaction?

No, Just dial *99# to link your Bank account and register yourself for NUUP service. You need not be registered for IDBI Bank Mobile Banking channel.

What are the timings for initiating and receiving remittances?

Transactions through NUUP Channel can be sent and received 24 hours all days in a year including holidays.

Do Telecom Service Providers (TSPs) charge the customer for NUUP(*99#) service?
Yes. TSPs charge the customer for using *99# service. Please contact your Telecom Service Provider to know the exact charges for using the service. However, TRAI (Telecom Regulatory Authority of India) has set a maximum ceiling of Rs. 0.50 per transaction for using this service.

Is there a facility/option available to Stop/Cancel financial transactions initiated using *99# service?

No, it will not be possible to stop or cancel financial transaction after it has been initiated.

What is the limit of Fund Transfer?

Maximum per day transaction limit for NUUP (USSD channel) is Rs.5,000/- (five thousand Only) as is also applicable to SMS based funds transfers (as per RBI guidelines).

How do I know that no unauthorized payments are made using NUUP?

For any financial transaction, you have to initiate and authorize each and every payment made from your account using your UPI PIN. Please do NOT share your UPI PIN/ Debit Card credentials/OTP with anyone and do not save it on your mobile handset in any manner.

What is the length of UPI PIN?

UPI PIN for IDBI Bank Accounts is a six digit Numeric PIN (e.g. 123456).

What is a Virtual Payment Address (VPA)?

Virtual Payment Address" is a unique identifier or Alias(for example ‘myname@idbi’) that is mapped to an account. VPA acts as a payment identifier for sending and collecting money between any two parties without knowing the recipient’s name, bank account number and IFSC code.

What should I do in case I face an error 'Invalid Command' or 'Try again'?

In case you face errors like 'Invalid Command' or 'Try again', please check if your mobile operator is in the NUUP list of NPCI. If yes, then the error may be due to a network issue in your area. You may try initiating the transaction after sometime. In case the issue persists, please check with your mobile operator.

Why am I not able to add IDBI Bank Accounts in NUUP/ BHIM / UPI Applications?

       Bullet  Accounts that are operated by Single/Self, “Either or Survivor”,“Anyone or Survivor” or by Proprietor, Karta (HUF) and are allowed to access NUUP/ UPI services. Accounts operated by any other mode such as jointly, former or survivor, latter or Survivor etc. are currently restricted.

       Bullet  Accounts of ‘Minors’ are currently restricted from availing this service. Account Holder should be ‘Major by Law’.

       Bullet  Accounts belonging to certain schemes such as accounts maintained and operated by customer who is NRI and Accounts maintained in foreign currencies are restricted.

       Bullet  Accounts that are inactive or dormant are restricted.

       Bullet  Accounts maintained by Individuals, Proprietor or HUF are allowed. Any other Non-Individual Entity type such as Partnership Firms, Corporates are currently restricted from NUUP / UPI services.

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