How to Link Aadhaar Number with Bank Account Online?

At the time of account opening, Indian banks and financial institutions link an individual’s Aadhaar number to their accounts as part of their standard procedures. However, if this has not been done, you can do it using various online and offline methods. 

Highlights:

Ways for Aadhaar Card Link to Bank Account:

• Net Banking: By logging in to the bank’s net banking account.
• Mobile App: By registering and logging in to the mobile banking app.
• SMS: By sending the prescribed message to the bank’s SMS service number.
• Phone Banking & IVRS: By calling the phone banking number of the bank.
• Bank Visit: By visiting the bank’s branch and submitting the required form.
• ATM: By visiting the bank’s ATM and swiping the debit card.

Why Link Your Aadhaar Number with Your Bank Account? 

Linking your Aadhaar number with a bank account aims to eliminate bank fraud by securing an account holder's financial credentials. This way, you can safeguard yourself from unauthorised transactions and fund transfers conducted by fraudsters impersonating you and providing fake identities to the bank. 

As per the Supreme Court ruling, it is not mandatory for an individual to link Aadhaar number with bank account. However, Aadhaar bank seeding is mandatory to avail of government subsidies and apply for welfare schemes in India. 

How to Link Aadhaar to Bank Account Through Net Banking?

Here is a step-by-step guide on how to link Aadhaar number with bank account online using your existing bank’s net banking portal:

Step 1: Visit the net banking portal of the bank where you hold an account. 

Step 2: Log in using your registered credentials. 

Step 3: Navigate to the ‘Link Your Aadhaar’ option on the main page or under the ‘e-services’ option. 

Step 4: Select the account you want to link with your Aadhaar.

Step 5: Enter the Aadhaar Number and click on the ‘Submit’ button. 

The bank will process your request to link your UID (Unique Identification Number) with your bank account and notify you via SMS.

How to Link Aadhaar to Bank Account Through a Mobile App?

Given below is a stepwise process to link Aadhaar number with bank account online via the mobile app of your bank:

Step 1: Download the mobile app of the bank where you hold an account. 

Step 2: Log in using your registered credentials. 

Step 3: Navigate to the ‘Services’ tab and click on it. 

Step 4: Click on ‘View/Update Aadhaar Card Details’.

Step 5: Choose the account you want to link with your Aadhaar.

Step 6: Enter your Aadhaar number. Re-enter it for verification. 

Step 7: Click on the ‘Submit’ tab. 

How to Link Aadhaar to Bank Account Through SMS?

Below are the steps to link Aadhaar with a bank account by SMS:

Step 1: Type the message in the format prescribed by your bank. Most banks provide a format similar to this: UID<space>Aadhaar Number<space> Account Number

Step 2: Send the message from your registered mobile number to the bank’s SMS service number.

Note: The steps provided above are general steps that may differ from bank to bank. Visit your bank’s website to find out the format of the message to be sent to your bank and the SMS number to link Aadhaar with your account.  

How to Link Aadhaar to Bank Account Through Missed Call?

Apart from the online mode, individuals have the option to link their Aadhaar with their bank account through the offline method. Below is the step-by-step guide to link Aadhaar with a bank account offline:

Step 1: Give a missed call to your bank’s toll-free number, and you will receive a call back from the bank. You can also call your bank’s customer care or phone banking number.

Step 2: On the IVRS, select the option for linking your Aadhaar with bank account.

Step 3: Enter your Aadhaar number and confirm it.

Step 4: The bank will send you a confirmation message when your Aadhaar number is linked to the bank account. 

How to Link Aadhaar to Bank Account Through the Branch?

To link your UID or Aadhaar number with the bank account at the nearest branch, follow the below-mentioned steps:

Step 1: Visit a nearby branch of your bank where you hold an account. 

Step 2: Obtain an Aadhaar linking/seeding application form from a bank representative. 

Step 3: Fill in all the required details carefully, including your bank name, bank account number, particulars, Aadhaar number, and contact information. 

Step 4: Attach a self-attested copy of the Aadhaar card with the application form. 

Step 5: Submit the form to the bank representative. 

The bank representative will process your application form and verify all details. The bank will notify you via your registered phone number upon successful verification. 

How to Link Aadhaar to Bank Account Through an ATM?

Find out how to link Aadhaar with a bank account using an ATM:

Step 1: Swipe your ATM or debit card on any machine. 

Step 2: Enter your PIN. 

Step 3: Choose the ‘Services’ option from the menu.

Step 4: Select the ‘Aadhaar Registration’ option. 

Step 5: Specify your account type and enter your 12-digit Aadhaar number. 

Step 6: Re-enter it for verification. Click on the ‘Confirm’ button. 

Once you go through the steps mentioned above, you will receive a notification on your registered mobile number, specifying the successful linking of your Aadhaar number with your bank account. 

How to Check Aadhaar Card Link to Bank Account Status?

You can check the status of your Aadhar card linked to your bank account by logging into the ‘myAadhaar’ portal and clicking on the ‘Bank Seeding Status’ option. 

Benefits of Linking Aadhaar Number with Bank Account

Here are the benefits of linking your Aadhaar number with your bank account: 

• Government subsidies on kerosene, LPG, and other commodities are directly credited to the bank account linked to an individual’s Aadhaar number. 
• Funds received through government scholarships or MNREGA wage policies are also directly credited to the beneficiary’s bank account.
• Account holders can also benefit from AEPS (Aadhaar Enabled Payment System), allowing them to access their accounts from anywhere in India. 
• Linking Aadhaar to your bank account will reduce the risk of fraudulent activity.
• Aadhaar linking with bank accounts helps prevent leakage in government spending and detect suspicious transactions.
• Various banking transactions, such as opening accounts, obtaining credit cards, and making fund transfers, become easier as the Aadhaar card serves as a valid KYC (Know Your Customer) document with the bank.

Linking Aadhaar to a bank account is necessary to reap benefits from various government subsidies and welfare schemes, and to ensure the smooth transfer of funds and seamless banking transactions. 

You can link Aadhaar number with bank account online through the Net Banking portal or the mobile banking app. You can also complete the Aadhaar card link to bank account by visiting your bank, using an ATM, sending an SMS, or calling your bank's phone banking number.

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