Can I Use the Mobikwik App without a Phone Number

Posted on 07/11/24 12:21 pm

Can I Use the Mobikwik App without a Phone Number

What is Mobikwik?
Mobikwik is an Indian software for making payments via a digital wallet. Customers can deposit money, transfer it between bank accounts, or withdraw it. The app is owned by One Mobikwik Systems Private Limited and, since its launch in 2009, it has attracted 120 million mainly Indian users.

Mobikwik operates on commissions from transactions as its money-making strategy. Its large user base and numerous partnerships enable the developers to grow and improve. So, what are the benefits of Mobikwik? How do you register? Does it require a phone number? Let’s explore.

What Makes Mobikwik App Advantageous?
Mobikwik is highly popular in India, with 3 million merchants and over 200 affiliated organizations offering special cashback, offers, and discounts. The app also offers brand debit and credit cards with varying terms and conditions.

Mobikwik is licensed by the Bank of India. The app ensures the security of user data using modern algorithms, keeping information anonymous. It also has in-house security settings to help users maintain confidentiality, while the interface is both intuitive and informative.

Mobikwik provides loans up to ₹60,000 across three categories: instant loans, credit programs, and long-term loans. The app offers Mobikwik Zip, allowing customers to purchase products and pay later. Additionally, there are insurance programs such as online fraud protection and accident insurance.

Mobikwik has numerous affiliated financial institutions, including all the major banks in India, allowing users to link their bank accounts and make online or offline payments securely. The system typically processes payment transactions, deposits, and withdrawals in moments.

Customer Fee Policy:
According to Mobikwik's Terms and Conditions, there is no charge for creating an account or using the basic services. However, there may be a 2.5% fee on credit card payments if the user spends more than ₹2,500 per month. Wallet-to-bank transfers incur a 3.35% commission.

Mobikwik is a stable financial app that simplifies transactions, making life easier. Although primarily operating in India, the app offers many affiliated merchants and valuable features. If these features appeal to you, you can create a Mobikwik account on iOS or Android.

What is Mobikwik Registration Like?
The registration process is quick, requiring just three things:

  1. An Indian phone number
  2. A one-time password sent to this number
  3. An email address (optional)

Once you provide your phone number, you will need to select your bank and grant necessary permissions. Unfortunately, the app only supports Indian phone numbers.

After this, Mobikwik will need to verify your identity as part of the KYC (Know Your Customer) process. For this, you can provide an Aadhaar number, an OTP code, a PAN card number, etc. Completing the KYC procedure will lower commissions and enable unlimited monthly transactions.

You cannot register on Mobikwik without a phone number, as it is used for transaction verification, notifications, and account restoration. If you're abroad or prefer not to share your real phone number, SMSOTPVERIFY can help you bypass this requirement using a virtual Indian number.

How to Create a Mobikwik Account Using a Virtual Number?
Virtual numbers are cloud-based technology that doesn’t require a physical phone. You can obtain a number registered in any country and use it to complete Mobikwik's registration requirements. These virtual numbers are fully legitimate, and no app, including Mobikwik, can trace them.

SMSOTPVERIFY offers virtual numbers as either one-time use or for rent. The one-time use option is excellent, as these numbers cost less than $1. You can link them to Mobikwik to receive an OTP. Rented numbers last up to 4 months and can be used for multiple services with a single number.

One-time numbers are ideal if you don’t need more than one account. Here’s how to create a Mobikwik account using a one-time virtual number:

  1. Open SMSOTPVERIFY.com, create an account, and log in.
  2. Top up your balance via the “Top Up My Balance” page.
  3. Return to the main page and click “Buy SMS.”
  4. Select your country and choose “Mobikwik” from the app list.
  5. Click the purchase button to finalize the order.
  6. Copy the virtual phone number from the “History” section.
  7. Enter the number during Mobikwik registration and wait for the confirmation code.
  8. Go back to SMSOTPVERIFY and click “Receive SMS” to get the code.
  9. Enter the code to complete registration.

By using SMSOTPVERIFY, you can keep your real phone number private while still completing the registration process on Mobikwik.

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