Google Pay: Children Can Now Make UPI Payments Even Without a Bank Account

Kokila Chokkanathan
Digital payments in india are becoming more inclusive, and the latest feature in Google Pay is designed to help families manage money more safely. With the new Pocket Money / UPI Circle feature, children can now make UPI payments without having their own bank account, under parental control.

What Is This New google pay Feature?

The feature works through UPI Circle, a system that allows a primary account holder (usually a parent) to give limited payment access to another person (such as a child).

The Google Pay Pocket Money feature allows:

  • Parents to give controlled spending access
  • Children to make UPI payments safely
  • Usage without a separate bank account
How It Works

There are two roles in the system:

👨‍👩‍👧 Primary User (Parent)

  • Links bank account to google Pay
  • Sets spending limits or approval rules
  • Monitors all transactions
👶 Secondary User (Child)

  • Can make payments using UPI
  • Does NOT access bank account or UPI PIN
  • Can only spend within allowed limits
Key Features

✔ No bank Account Needed for Child

Children can use UPI payments without opening a bank account.

✔ Spending Control

  • Parents can set monthly limits
  • Limits may go up to a fixed cap (based on policy)
✔ Approval or auto Mode

  • Every payment can require approval
    OR
  • Payments allowed within preset limit
✔ Real-Time Tracking

Parents can see every transaction instantly.

How to Set It Up

Open Google Pay app

Go to Profile → UPI Circle / Pocket Money

Add child using mobile number or QR code

Select spending mode (limit or approval-based)

Confirm with UPI PIN

Child accepts invitation

Why This Feature Is Important

🎓 Financial Learning for Kids

Helps children understand wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital money management early.

🛡 Safe Transactions

No exposure of bank account or sensitive details.

💳 Cashless Convenience

Useful for small daily expenses like:

  • School needs
  • Snacks
  • Local purchases
Safety Controls

  • Parents can pause access anytime
  • Every transaction is visible
  • Only approved users can be added
  • Spending limits prevent overspending
Conclusion

The google pay Pocket Money feature is a step toward safer and more controlled digital payments for families. It allows children to use UPI without a bank account, while ensuring full parental supervision.

👉 In simple terms: Kids get payment access, parents stay in control.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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