How to Send Money on PhonePe in 2025 (Quick & Easy Guide)

PhonePe remains one of India’s most popular digital payment apps in 2025, making money transfers seamless, secure, and lightning-fast. Whether you’re splitting a bill with friends, paying a merchant, or sending money to family, PhonePe’s user-friendly interface simplifies the process. If you’re wondering how to send money on PhonePe in 2025, this quick and easy guide will walk you through every step. Let’s dive in!

At SignupGuide.store, we’re committed to helping you navigate digital platforms with ease. Follow this step-by-step tutorial to master money transfers on PhonePe today!

Why Use PhonePe for Money Transfers in 2025?

PhonePe, powered by UPI (Unified Payments Interface), is a trusted platform for millions of users. Here’s why it’s a go-to choice:

Instant Transfers: Send money to contacts or bank accounts in seconds.
Secure Transactions: Protected by UPI PIN and advanced encryption.
Versatile Options: Pay via mobile number, UPI ID, bank account, or QR code.
No Fees: Most UPI transfers are free, saving you money.
Wide Acceptance: Use PhonePe for bills, recharges, shopping, and more.

Ready to get started? Let’s explore the different ways to send money on PhonePe.

Prerequisites for Sending Money on PhonePe

Before you begin, ensure you have the following:

PhonePe Account: Download the PhonePe app from the Google Play Store or Apple App Store and complete your signup. Need help? Check our SignupGuide.store.
Linked Bank Account: Connect a bank account to your PhonePe app for UPI transactions.
Active Mobile Number: Your registered mobile number should be linked to your bank account.
UPI PIN: Set up a secure UPI PIN for authorizing payments.
Internet Connection: A stable Wi-Fi or mobile data connection is required.

Got everything ready? Let’s move on to the steps!

How to Send Money on PhonePe in 2025: Step-by-Step Guide

PhonePe offers multiple ways to transfer money, depending on whether you’re sending to a contact, UPI ID, bank account, or scanning a QR code. Below are the most common methods.

Method 1: Send Money to a Mobile Number or Contact

Open the PhonePe App
Launch the PhonePe app on your smartphone. Log in using your PIN or biometric authentication.
Go to Transfer Money
On the home screen, tap “To Mobile Number” or “Transfer Money” under the UPI section.
Select a Contact
- Search for the recipient by typing their name or mobile number.
- Alternatively, scroll through your contact list to choose the recipient.
Enter the Amount
Type the amount you want to send (e.g., ₹500). You can add an optional note, like “Dinner share” or “Gift money,” for clarity.
Choose Your Bank Account
If you have multiple bank accounts linked, select the one you want to use for this transfer.
Enter Your UPI PIN
Input your secure UPI PIN to authorize the transaction.
Confirm and Send
Review the details (recipient, amount, and bank account). Tap “Send” or “Pay” to complete the transfer.
Check Transaction Status
You’ll see a confirmation screen, and both you and the recipient will receive an SMS or notification confirming the successful transfer.

Pro Tip: If the recipient isn’t on PhonePe, the app will send them a link to claim the money after registering.

Method 2: Send Money Using UPI ID

Open PhonePe
Launch the app and navigate to the “Transfer Money” section.
Select “To Bank/UPI ID”
Tap “To Bank/UPI ID” on the home screen.
Enter the UPI ID
Type the recipient’s UPI ID (e.g., recipient@upi or 1234567890@upi).
Verify the Recipient
PhonePe will display the recipient’s name linked to the UPI ID. Confirm it’s correct.
Enter Amount and Note
Input the amount and an optional note for reference.
Select Bank Account
Choose the linked bank account for the transfer.
Authorize with UPI PIN
Enter your UPI PIN to authenticate the payment.
Complete the Transaction
Tap “Send” and wait for the confirmation. The money is transferred instantly.

Note: Double-check the UPI ID to avoid sending money to the wrong person.

Method 3: Send Money to a Bank Account

Navigate to Transfer Money
Open PhonePe and select “To Bank/UPI ID” under “Transfer Money.”
Add Bank Account Details
- Tap the “+” icon to add a new bank account.
- Select the recipient’s bank from the list or search by name.
- Enter the account number, IFSC code, and account holder’s name.
- Optionally, add a phone number or nickname for future reference.
Confirm Details
Tap “Confirm” to save the bank account.
Enter Amount
Input the amount you wish to transfer and add a note if needed.
Select Your Bank Account
Choose the account from which you’ll send the money.
Enter UPI PIN
Authorize the transaction with your UPI PIN.
Send Money
Tap “Send” to initiate the transfer. You’ll receive a confirmation once it’s complete.

Tip: Save the bank account details for faster transfers in the future.

Method 4: Send Money by Scanning a QR Code

Open the Scanner
On the PhonePe home screen, tap the “Scan” icon or “Scan & Pay.”
Scan the QR Code
Point your camera at the recipient’s PhonePe QR code (available at merchants or in the recipient’s app).
Verify Recipient
The app will display the recipient’s name or UPI ID. Confirm it’s correct.
Enter Amount
Type the amount you want to pay.
Select Payment Method
Choose your linked bank account or PhonePe wallet (if applicable).
Authorize Payment
Enter your UPI PIN to confirm the transaction.
Complete the Payment
Tap “Pay” to send the money. You’ll see a success message instantly.

Perfect for: Paying at shops, restaurants, or to friends with a QR code.

PhonePe Transaction Limits in 2025

To ensure secure transactions, PhonePe imposes daily limits:

UPI Transactions: Up to ₹1,00,000 per day, with a maximum of 20 transactions.
Wallet Transfers (Minimum KYC): ₹10,000 per day.
Wallet Transfers (Full KYC): Up to ₹2,00,000 per transaction and ₹4,00,000 per day.
Business Accounts: Unlimited transactions, depending on account settings.

To check your limit, go to “My Money” > “Limits & Withdrawal” in the PhonePe app. Need to increase your limit? Complete full KYC verification for higher thresholds.

Tips for Safe Money Transfers on PhonePe

Double-Check Details: Verify the recipient’s mobile number, UPI ID, or bank details before sending.
Protect Your UPI PIN: Never share your PIN with anyone, including PhonePe support.
Use Secure Networks: Avoid public Wi-Fi for transactions to prevent data breaches.
Update the App: Ensure you’re using the latest version of PhonePe for enhanced security.
Contact Support for Issues: If a transaction fails, reach out to PhonePe’s customer care at 080-68727374.

Common Issues and Solutions

Transaction Declined: Check your bank account balance, UPI PIN, or daily limit. Ensure the recipient’s details are correct.
Money Not Credited: Wait a few minutes, as delays can occur. If unresolved, contact PhonePe support.
UPI ID Not Found: Confirm the UPI ID with the recipient, as typos are common.
App Crashing: Update the app or clear the cache from your phone’s settings.

For more troubleshooting tips, visit our PhonePe Help Guide.

How to Send Money on PhonePe

Conclusion

Sending money on PhonePe in 2025 is quick, secure, and incredibly convenient. Whether you’re transferring to a contact, UPI ID, bank account, or QR code, PhonePe makes it effortless. By following this guide, you can confidently manage your transactions and explore PhonePe’s full potential.

At SignupGuide.store, we’re here to simplify your digital journey. Want to learn more about PhonePe features like bill payments or wallet transfers? Check out our other guides:

Have questions or tips to share? Drop a comment below, and let’s keep the conversation going!

Disclaimer: Transaction limits and features may vary based on PhonePe updates, bank policies, and KYC status. Always verify details within the PhonePe app or contact support for the latest information.

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