3 ms·You need to have a bank account to use UPI. Banks require a phone number afaik.by echlipse 5y agoYou need to have a bank account to use UPI. Banks require a phone number afaik.rg111 5y agoYes, I know that. But does one need to share one's phone number to barely send or receive money?echlipse 5y agonope. just your vpa.