Managing UPI payments across multiple smartphones has become much easier with the introduction of the new UPI Circle feature. Many users today carry two smartphones, one for work and another for personal use. However, UPI apps usually work only on the device linked to the bank-registered mobile number, making it difficult to access payments from a secondary phone.
To solve this issue, UPI apps have now introduced the UPI Circle feature, which allows users to make payments from the same bank account on another device as well. Some popular payment apps such as PhonePe and Google Pay are also offering this feature under the name “Pocket Money.”
What Is the UPI Circle Feature?
UPI Circle is a new feature that allows a primary UPI account holder to share payment access with another user or device. It helps users make UPI payments from multiple smartphones without repeatedly depending on the main device.
This feature is also useful for families. Parents can provide limited payment access to children or family members while maintaining full control over transactions and spending limits.
Users who operate two smartphones can also connect their secondary device and continue making payments from the same bank account conveniently.
How the UPI Circle Feature Works
The primary UPI account holder creates a payment circle and adds another mobile number or user account. Once added, the secondary device can make UPI payments using the same linked bank account.
The feature includes security controls that allow the primary user to decide how payments will be handled. Users can either approve every transaction manually or set a fixed spending limit for automatic payments.
This ensures both convenience and security while sharing payment access.
How to Set Up UPI Circle Feature
Setting up the UPI Circle or Pocket Money feature is simple and can be completed within a few minutes.
First, open your UPI application on the primary smartphone.
Inside the app, search for the UPI Circle or Pocket Money option.
Select the “Invite Dependent” or similar option available within the feature.
Now choose the mobile number you want to add to the circle.
You may also need to scan the secondary user’s UPI QR code or enter their UPI ID.
In some cases, Aadhaar verification may be required to complete the setup process.
During setup, users usually get two payment control options:
The first option allows every payment to require approval from the primary account holder.
The second option allows users to set a spending limit so that payments up to a certain amount can be made automatically without approval.
Once the setup is completed successfully, the second device will be added to the UPI Circle.
Benefits of the UPI Circle Feature
The UPI Circle feature offers several advantages for users who frequently switch between devices or share payment access with family members.
It allows seamless UPI payments from two smartphones using one bank account.
Users no longer need to carry their primary phone all the time for making digital payments.
Parents can safely monitor and control expenses while giving limited payment access to children.
The feature also improves convenience for users who maintain separate work and personal devices.
UPI Circle Feature Makes Digital Payments More Flexible
With the growing use of digital payments in India, features like UPI Circle are making payment systems more flexible and user-friendly. The ability to access the same UPI account on multiple devices helps users manage transactions more efficiently while maintaining security controls.
As more payment apps continue adding this feature, UPI users can expect a smoother and more convenient payment experience in the future.
