Almost every bank provides upi id to their account holders for free. Few creates while creating account and others do it if you ask. Check with your bank or bank account details.
You can also create upi id on your own, please follow steps mentioned below. With an upi id, you can send or receive money without sharing your bank account details.
Creating UPI ID through *99#
Dial *99# on your phone and call
Select preferred language
Enter bank name or first four digits of your branch’s IFSC Code
Select your bank account
Enter your debit card’s last six digits and expiry date
Confirm your UPI PIN
If you have an UPI ID
Note - This is built for your own use, we do not validate or store data entered. Please enter correct details for it to work properly.
To setup your own alerting system
Bank provides transaction alerts on your account (they may change a little for it)
Subscribe to those alerts
Get a smart phone and put the sim card associated with the account in it
Install an SMS reading application
Now you have an alerting system for your transactions
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