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I have created UPI ID directly with bank and there is no need of any third party app. It can be used to transfer money directly without sharing bank and card details.

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You can receive money over UPI without a smartphone.

But sending money actively (as a customer) from a personal bank account is not possible afaik.

What no? My business, and my family business both run off the ability to make upi payments by just giving a UPI Id, amount and everything your pin. Quite often, i settle accounts with my friends over UPI. One of them pays for coffee, and i just upi him his share. And we work with our own personal savings accounts.

Needs a smartphone, that’s what I was pointing out.

UPI works on USSD[1]. You need a phone but not necessarily a smartphone.

[1] https://www.npci.org.in/what-we-do/99/product-overview

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