Want to do mobile banking without internet? Use USSD to pay offline

Digital transactions have become a way of life nowadays for payments or transferring funds. In fact, a lot of shopkeepers, including the one’s selling items on carts, have started using digital payments for convenience. But what if you have no access to internet in your area and you have a financial emergency? Well, fret not. You can make use of Unstructured Supplementary Service Data (USSD) to do banking from your phone, without using internet .

What is USSD and how can it be used

USSD technology is the solution for doing digital payments without internet connectivity. The method though can only be used for small value transactions up to Rs 5,000, as per Reserve Bank of India (RBI) guidelines.