Now, Even Children Can Make UPI Payments Without a Bank Account: Google Pay’s “Pocket Money” Feature Explained

Kokila Chokkanathan
Digital payments in india are becoming more inclusive, and the latest development is a major step forward. With google Pay’s new “Pocket Money” feature, even children can now make UPI payments without having their own bank account, under parental control.

This is made possible through the UPI Circle system, which allows safe and limited payment access.

What is the “Pocket Money” Feature?

The Google Pay Pocket Money feature is a supervised payment system built on UPI Circle.

It allows:

  • Parents (primary users) to give controlled access
  • Children or dependents (secondary users) to make payments
  • Spending without a separate bank account
👉 In simple terms:
Children can pay digitally using their parent’s bank account—but with strict limits and full supervision.

How It Works

This system is based on two roles:

👨‍👩‍👧 Primary User (Parent)

  • Links bank account to google Pay
  • Adds child as secondary user
  • Sets spending rules and limits
  • Approves or monitors transactions
👶 Secondary User (Child)

  • Uses UPI to make payments
  • Does NOT access bank account or UPI PIN
  • Spends within allowed limits only
Key Features of Pocket Money

✔ No bank Account Needed for Child

Children can use UPI payments without owning a bank account.

✔ Spending Limit Control

  • Parents can set monthly limits (up to around ₹15,000)
✔ Two Payment Modes

  • Full control mode: Every payment needs approval
  • Limit mode: Child can spend freely within limit
✔ Real-Time Tracking

Parents can see every transaction instantly.

(turn0search0)

How to Set It Up (Simple Steps)

Open google pay app

Go to Profile → UPI Circle / Pocket Money

Add child using phone number or QR code

Choose spending mode (limit or approval-based)

Confirm setup using UPI PIN

Once accepted, the child can start making payments immediately.

Why This Feature Matters

🎓 Financial Learning for Kids

Helps children understand money management early.

🛡 Safe wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital Payments

No exposure of bank account or sensitive details.

💳 Cashless Convenience

Reduces dependency on cash for small expenses.

Important Safety Controls

  • Parents can pause access anytime
  • All transactions are visible to the parent
  • Only trusted contacts can be added
  • Strict monthly spending caps apply
Conclusion

The Google Pay Pocket Money feature is a major step in India’s wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital payment evolution. It allows children to use UPI payments safely without a bank account, while giving full control to parents.

👉 It combines financial independence for kids + complete parental supervision, making digital payments safer and more inclusive than ever before.

 

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.

For more interesting updates click and follow Indiaherald WhatsApp channel

Find Out More:

Gpay

Related Articles: