If you are someone who loves online shopping and carries multiple debit or credit cards, grab the best card offers from multiple banks. Then you must be having a hard time managing multiple bank accounts or might have a couple of accounts you don’t even remember now. If this happens to be the case with you? Today in this guide, we will help you find bank accounts linked to your name and number, which you might not even remember now.
Why Should You Close Extra Bank Accounts?
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You should try to keep the number of Bank accounts linked to your number as limited as possible to:
- Stay safe from money laundering activity under your name without your knowledge.
- Avoid blocking your funds in the name of the minimum balance requirement.
- Dodge penalties and fees for failing to meet the minimum balance.
- Avoid confusion between multiple transactions and tax filing.
Having too many bank accounts can cause more confusion and charges. Also, recent reports about ED’s raid around money laundering activities done behind the veil of Chinese loan apps have concerned everyone in the country. Such loan apps with roots in China offer easy loans at cheap rates and collect the IDs of their users. With these IDs, they open a bank account to carry out illegal money laundering business through various bank accounts.
How to Find Bank Accounts Linked to Your Name or Number
If you are worried about such apps and want to check how many accounts are linked to your name and number, it can be done in four ways. We have discussed each of them below.
Check Accounts linked to a Number Using UIDAI Website
As per the Second Amendment Rules, 2017, published in the Official Gazette on June 1, 2017. It is mandatory to link the Aadhaar Card to an account. However, later in 2018, the Supreme Court of India issued a verdict that ‘it is not mandatory to link Aadhaar for opening bank accounts or borrowing unless the customer is a beneficiary of government subsidies.’
Even though, after the Supreme Court’s verdict, usually, all banks ask for Aadhaar. So, one of the easiest ways to check the bank account linked to your Name or Mobile Number is via the UIDAI Website. Here’s how:
2. You need to enter either your Aadhaar Number or Virtual ID, along with the Captcha code, and click Send OTP.
3. Now, enter the OTP received on your registered mobile number.
4. It will show the very first bank account linked to your Aadhaar and phone number.
Note that this is only your Aadhaar-linked account, not the list of other accounts you hold in your name.
Find Bank Accounts linked to a Phone Number Using UPI Apps
Another way to check all the bank accounts linked to your name or mobile number is via UPI apps like Google Pay, Paytm, PhonePe, BHIM, etc. Here’s how you can do it, the process remains the same for all apps.
1. Launch the UPI app on your phone.
2. Now, proceed to pay someone (you don’t need actually to pay anything). Enter an amount, for example, INR 1 on the payment screen. Now, choose the payment mode.
3. On the payment mode screen, tap Add a bank account.
4. Now, individually select the banks one by one.
The app will search for an account linked to your number and let you know if there’s any. This process is a little more time-consuming but works like a charm.
Contact Your Bank
If you suspect someone else is using a bank account created using your documents, you can contact your bank to fetch further details. Connect to your bank’s customer support via email or visit the physical branch in your area. Ensure you carry your Aadhaar card, PAN card, and any other documents if required.
Bonus: Check Anti-Money Laundering Platforms
There are several anti-money laundering platforms, like Smartsearch, which is a UK-based organization providing Anti-Money Laundering verification services for a price.
Finding Accounts Linked to Your Number!
This is how you can find bank accounts linked to your phone number, name, or PAN card. As mentioned, you can either use the UIDAI website, try linking banks in your UPI app, or contact your bank branch for more details. Stay tuned for more such tips, tricks, and how-tos.
You might be interested in:
- 6 Ways to Get a Refund for a Wrong UPI or Bank Transaction
- 5 Easy Ways to Disable UPI in Digital Payment Apps
- How to Claim Unclaimed Money in Bank Accounts in India Using UDGAM
- How to Withdraw Money From ATM Without a Card in India
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