If you’re looking to access banking services without a debit card or internet banking, AEPS (Aadhaar Enabled Payment System) is the perfect solution. But before you can use it, you need an AEPS ID. In this detailed guide, we’ll walk you through everything you need to know about how to get AEPS ID, including the step-by-step process, requirements, and common FAQs.
What is an AEPS ID?
AEPS (Aadhaar Enabled Payment System) is a bank-led model that allows customers to perform basic banking transactions using their Aadhaar number and biometric authentication. The AEPS ID is a unique identifier that enables you to use services like:
-
Cash withdrawal
-
Balance inquiry
-
Fund transfers
-
Mini statements
Unlike traditional banking, AEPS doesn’t require a debit card, PIN, or mobile banking—just your Aadhaar-linked bank account and fingerprint authentication.
How to Get AEPS ID: Step-by-Step Process
Step 1: Ensure Your Aadhaar is Linked to Your Bank Account
Before applying for an AEPS ID, confirm that your Aadhaar number is linked to your bank account. Here’s how to check:
-
Visit your bank branch or log in to net banking.
-
Check under the “Aadhaar linking status” section.
-
If not linked, submit an Aadhaar linking request at your bank or online via UIDAI’s website.
Step 2: Visit a Banking Correspondent (BC) or AEPS Service Provider
Since AEPS is primarily used through Banking Correspondents (BCs) or micro-ATM agents, you’ll need to:
-
Locate an authorized BC agent (available at most local kirana stores, banking kiosks, or CSPs).
-
Provide your Aadhaar number and bank details.
Step 3: Biometric Authentication
The agent will:
-
Enter your Aadhaar number into their AEPS machine.
-
Ask you to verify your identity via fingerprint or iris scan.
-
Once authenticated, your AEPS ID will be generated.
Step 4: Start Using AEPS Services
With your AEPS ID activated, you can now:
-
Withdraw cash at BC outlets
-
Check your balance
-
Transfer money to other Aadhaar-linked accounts
Alternative Method: Getting AEPS ID Online
Some banks and fintech companies (like PayNearby, Spice Money) allow you to generate an AEPS ID online:
-
Download an AEPS-enabled app (e.g., BHIM, BankMitra).
-
Register using your Aadhaar and bank details.
-
Complete biometric verification.
-
Your AEPS ID will be created instantly.
Common Issues & Troubleshooting
-
Aadhaar Not Linked? Visit your bank branch to complete the process.
-
Biometric Failure? Ensure your fingerprints are clean or update Aadhaar biometrics at a UIDAI center.
-
AEPS Transaction Failed? Check if your bank supports AEPS or contact customer support.
Frequently Asked Questions (FAQs)
1. Is AEPS ID the same as Aadhaar number?
No, your AEPS ID is a unique reference generated for banking transactions, while your Aadhaar number is your identity proof.
2. Can I use AEPS without a bank account?
No, you must have an Aadhaar-linked bank account to use AEPS services.
3. Are there any charges for AEPS transactions?
Most banks offer free AEPS transactions, but some BC agents may charge a nominal fee (₹5-₹10 per transaction).
4. What if my fingerprint doesn’t work for AEPS?
You can use iris scanning (if available) or update your biometrics at a UIDAI enrollment center.
5. Can I change my AEPS ID?
No, your AEPS ID is linked to your Aadhaar and bank account and cannot be changed.
Conclusion
Getting an AEPS ID is simple if your Aadhaar is linked to your bank account. Whether through a Banking Correspondent or an online app, the process is quick and secure. With AEPS, you can enjoy cardless and PIN-free banking, making transactions easier, especially in rural areas.
Need help? Visit your nearest bank branch or AEPS service provider to get started today!
Disclaimer
This post is for educational purposes only. If you have any concerns regarding this content, please visit our DMCA page for removal requests or ownership verification. Always verify details with official banking sources before proceeding.