Download the latest Freecharge app from Google Play Store SMS will be sent from your mobile phone to verify your device. In case your phone has a dual SIM, select the phone number registered with your bank. Select your preferred bank from the list Verify the selected account using your Debit Card credentials and OTP. This is a one-time requirement. Set a UPI PIN for the account. Use this PIN for sending money to other UPI IDs or bank accounts.