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Funds are never stored on the Indian aggregator PhonePe. Every transaction is an instant transfer directly between your bank account and the receiver. To complete a new transaction you must understand how simple it is to link your bank account. This article provides a detailed step-by-step process. The guide is also useful for a user who is using PhonePe for the first time on an Android or iPhone.

ella moor author
Ella MooreContent Writer
January 29, 2026 8 mins
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