How To Send Money Through Whatsapp

Hey there! Today, I’ll be sharing a step-by-step guide on how to send money through WhatsApp. As an avid user of this messaging app, I can personally attest to its convenience and ease of use. Whether you want to split the bill with friends or send money to family members, WhatsApp offers a secure and hassle-free way to transfer funds.

Step 1: Set Up WhatsApp Payments

The first thing you need to do is set up WhatsApp Payments. This feature allows you to link your bank account to WhatsApp and send money directly from your chat window. To get started, make sure you have the latest version of WhatsApp installed on your smartphone.

Open WhatsApp and go to ‘Settings’ by tapping on the three-dot menu in the top right corner. From there, select ‘Payments’ and then ‘Add new payment method.’ Follow the on-screen instructions to link your bank account. Make sure the mobile number registered with WhatsApp is the same as the one linked to your bank account for verification purposes.

Step 2: Verify Your Bank Account

After linking your bank account, you’ll need to verify it. Depending on your bank, there are different methods to complete this process. Some banks may require you to enter an OTP (One-Time Password) sent to your registered mobile number, while others may ask you to visit a branch or use internet banking to authorize the linkage.

Once your bank account is verified, you’ll see it listed under ‘Payment methods.’ You can also set a default bank account, which will be used for transactions by default. If you have multiple bank accounts linked, you can choose the desired one while making a payment.

Step 3: Send Money to a Contact

Now that you’ve set up WhatsApp Payments and verified your bank account, it’s time to send money to a contact. Open the chat window of the person you want to send money to and tap on the attachment icon (paperclip) next to the text input field.

In the menu that appears, select ‘Payment’ and enter the amount you wish to send. You can also add a note describing the payment if needed. Make sure to double-check the amount and the recipient’s details before proceeding.

Step 4: Enter UPI PIN

To authorize the payment, you’ll need to enter your UPI (Unified Payments Interface) PIN. This PIN is a secure code provided by your bank and is used for UPI transactions across various platforms. Enter the PIN when prompted, and the payment will be initiated.

Once the transaction is complete, you and the recipient will receive a notification confirming the transfer. The money will be instantly deducted from your bank account and credited to the recipient’s bank account.

Note: Security and Privacy

WhatsApp Payments prioritize user security and privacy. All transactions are securely encrypted, and WhatsApp does not store any sensitive payment information on its servers. Additionally, every transaction requires UPI PIN authentication, adding an extra layer of security.


Sending money through WhatsApp is a seamless and convenient way to transfer funds. Whether it’s paying back a friend or sending money to a family member, this feature makes financial transactions quick and hassle-free. By following the simple steps outlined above, you’ll be able to send money through WhatsApp with ease. So, why not give it a try and experience the convenience firsthand!