Google Pay has introduced a new feature that makes digital payments even easier.
With the ‘Pocket Money’ feature under UPI Circle, users can now allow others to make payments from their bank account — even if those people don’t have a bank account of their own.
This is especially useful for children, family members, or even employees who need limited access to funds.
What Is the Pocket Money Feature?
This feature lets one person (primary user) share their UPI access with others (secondary users).
The primary user can add family members, friends, or employees to their UPI Circle.
Once added, these secondary users can make payments using the primary user’s bank account.
For example, parents can give their children a fixed monthly spending limit.
This works just like giving pocket money, but in digital form.
Full Control Stays With the Primary User
Even though others can use your account, you stay in full control.
You can manage payments in two ways:
Set a monthly transaction limit
Approve every payment manually
If you give full access, the default limit is ₹15,000 per month.
This ensures safety and prevents misuse of your money.
Who Can Use This Feature?
To use this feature, some basic requirements must be met:
The primary user must have a UPI account
You can add up to 5 secondary users
The person must be saved in your phone contacts
They should have the Google Pay app installed
Their mobile number must be registered with UPI
This makes the setup simple and secure.
How to Set Up Pocket Money Feature
Setting up this feature is easy and takes just a few steps:
Open the Google Pay app
Go to the UPI Circle option
Select the contact you want to add
Scan their UPI Circle QR code
Choose your settings:
Approve every payment, or
Set a monthly limit
Enter details like your relationship and their ID
Select your bank account and click Invite
Enter your UPI PIN to complete the process
Why This Feature Is Useful
This feature is perfect for managing small expenses.
Parents can control children’s spending, families can support each other easily, and businesses can manage small employee payments without hassle.
It also helps people who don’t have bank accounts to make digital payments safely.
Final Takeaway
The Pocket Money feature by Google Pay is a smart step towards making digital payments more flexible and inclusive.
