Jio Payments Bank Limited – Digital Banking, UPI, Wallet, Saving Account, Recharge & Secure Payment Solutions 2026

Jio Payments Bank Limited (JPBL) is a joint venture between Reliance Industries Limited (RIL) and the State Bank of India (SBI). Established in 2018 and headquartered in Mumbai, Maharashtra, Jio Payments Bank aims to revolutionize India’s banking system through secure, paperless, and mobile-first digital banking.
The bank provides an all-in-one platform for Savings Accounts, UPI payments, digital wallets, mobile recharges, bill payments, FASTag, and secure online transactions. Designed for the Digital India mission, Jio Payments Bank focuses on making banking accessible, affordable, and instant for every smartphone user.
It integrates seamlessly with the MyJio App, allowing users to manage money, make payments, and access financial services without visiting a branch.

Features of Jio Payments Bank (JPBL):

• Zero Balance Digital Savings Account – Open an account instantly using Aadhaar & PAN.
• UPI Integration – Send or receive money via UPI ID linked to your mobile number.
• Jio Wallet – Secure digital wallet for shopping, recharges, and bill payments.
• Recharge & Bill Pay – Recharge Jio numbers, DTH, data cards, or pay electricity and water bills instantly.
• FASTag & Insurance Services – Easy vehicle toll and insurance solutions.
• 24×7 Secure Payments – Enabled through OTP, mPIN, and biometric authentication.

Open a Jio Payments Bank Account:

You can open a Jio Payments Bank account through the MyJio App in just a few steps.

Steps to Open an Account:

1. Download and open the MyJio App (available on Android & iOS).
2. Tap on “Jio Payments Bank” from the services list.
3. Click on “Open Account.”
4. Enter your mobile number and verify via OTP.
5. Provide Aadhaar Number and PAN Card for e-KYC.
6. Set a 4-digit mPIN for transactions.
7. Your account is created instantly, and you can start using digital banking services.

Benefits:

• Zero minimum balance.
• 2.75% p.a. interest on deposits.
• Instant access via MyJio App.
• Free digital debit card (virtual).

Use Jio Payments Bank UPI:

1. Open MyJio App → Jio Payments Bank Section.
2. Tap on “UPI” and create your UPI ID (e.g., mobilenumber@jiobank).
3. Link your bank account (Jio Payments Bank or any other).
4. Set your UPI PIN using your debit card details.
5. You can now send and receive money instantly 24×7.

UPI Features:

• Works across all banks.
• Zero transaction charges.
• Fast, safe, and real-time fund transfers.

Get a Jio Payments Bank Credit or Debit Card:

Debit Card:

• When you open a Jio Payments Bank account, you get a virtual debit card instantly in the MyJio App.
• This card can be used for online payments, shopping, and digital transactions.

Credit Card (Coming Soon):

• Jio Payments Bank is working with SBI and other partners to introduce Jio co-branded credit cards offering cashback on Jio services, fuel, travel, and retail purchases.

Jio Payments Bank Net Banking / Online Banking:

Currently, Jio Payments Bank provides mobile-based digital banking through the MyJio App, instead of traditional net banking.

Services Available via MyJio App:

• Account balance & mini statements.
• UPI transfers (NEFT/IMPS).
• Recharge & utility bill payments.
• FASTag recharge.
• Insurance & investment options.
• Card management and transaction history.

Website: www.jiopaymentsbank.com

Check Jio Payments Bank Balance:

1. MyJio App: Go to “Jio Payments Bank” → View balance instantly.
2. UPI App: Open BHIM, PhonePe, Paytm, or Google Pay → Check balance via your Jio UPI ID.
3. Missed Call Banking: Give a missed call to 1800 891 9999 (from registered mobile number).
4. SMS Banking: Send BAL to 88234 88888.
5. ATM: Withdraw or check balance using your Jio virtual or physical card (once issued).

Loan Services (Instant Loans 2026):

Jio Payments Bank offers small-ticket digital loans and credit facilities through tie-ups with NBFCs and partner banks.

Loan Types Available:

• Instant Personal Loan (via MyJio App)
• Mobile & Gadget Loan
• Insurance-linked Micro Loans
• Jio Partner Business Loan

How to Apply:

1. Open MyJio App → Jio Payments Bank → Loans.
2. Select the loan category.
3. Complete your KYC verification and provide income details.
4. Once approved, the loan amount is credited instantly to your account.

Advantages:

• Fully digital & paperless.
• No branch visit required.
• Quick approval and easy EMIs.

Jio Payments Bank IFSC Code:

• Universal IFSC Code: JIOP0000001
• Used for NEFT/IMPS/RTGS transactions.
• You can check IFSC details on your passbook, app, or Jio Bank website.

Security & Safety Tips:

• Use only the official MyJio App for transactions.
• Do not share your OTP, UPI PIN, or mPIN with anyone.
• Avoid logging into banking apps from public Wi-Fi.
• Always enable app lock, fingerprint, or Face ID for better protection.
• Change your UPI PIN regularly.

Summary:

Jio Payments Bank Limited is redefining digital banking in India, making financial services fast, simple, and mobile-driven. With features like UPI, wallet, digital savings accounts, instant loans, recharges, and 24×7 secure transactions, Jio Payments Bank ensures smart, cashless, and connected banking for all Indians in 2025.