Jio Money Wallet Features

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Updated On - 23 Sep 2025
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JioMoney Began as a joint venture between Reliance Industries and the State Bank of India, with a 70:30 shareholding ratio. The Reserve Bank of India (RBI) granted Reliance Industries a license to operate a payments bank under Section 22(1) of the Banking Regulation Act of 1949. On 10 November 2016, it formed as a public limited company in India in order to establish a payments bank. Jio Payments Bank began operating in the country on 3 April 2018.

What is Jio Wallet?

Jio Wallet is a digital payment platform that allows users to store money digitally and make instant payments online or at stores. It is part of the Jio Money ecosystem and helps you pay bills, recharge mobile phones, send money to friends, and shop without carrying cash.

Features of JioMoney App

The various features of JioMoney App are mentioned below:

  1. Transactions via Wallet: With JioMoney app, users can carry out various financial transactions like recharging mobile phones or DTH, doing online shopping, sending money to friends and family, etc. Using wallet for carrying out transactions are safe as wallet transaction failure rates are typically very low.
  2. Unique feature: JioMoney’s distinguishing characteristic is that it can be used to make payments at Reliance Outlets such as Reliance Fresh, Reliance Trends, Reliance Jewels, and others. Users can also transfer their JioMoney balance to their bank accounts via the app.
  3. Cashback offers: Everyday, JioMoney Wallet delivers excellent bargains, discounts, cash backs, and offers. You can also pay for your online shopping; however, this option is currently only available on a few sites.
  4. Bar code scanner: The JioMoney wallet has a bar code scanner, which is used for speedier payments. The user can scan bar codes and make payments at merchant stores in a matter of seconds.
  5. Money loading: JioMoney allows customers to load money into their wallets using a debit or credit card, as well as an online banking service. After that, you can use the JioMoney wallet app to pay for any type of financial transaction.

Jio Money vs Jio Wallet

While both Jio Money and Jio Wallet help you make digital payments, Jio Money is the broader app offering multiple financial services including money transfers, bill payments, and investments. Jio Wallet is primarily a prepaid wallet for quick transactions and recharges.

Registering for JioMoney App

Follow the simple steps mentioned below to register for JioMoney App:

Step 1: Download the JioMoney wallet app from Google Play store or Apple App store.

Step 2: After the app has been downloaded, open the app in your phone.

Step 3: Enter your phone number and click the ‘Continue’ button

Step 4: Next, fill up all your relevant details and click the ‘Register’ button

Step 5: You will get an OTP in your registered phone number

Step 6: Use the OTP to login to the app

How to Add Money to Jio Money Wallet

To add money to your Jio Money wallet, open the app and select the ‘Add Money’ option. You can load money using your linked bank account, debit/credit card, or UPI. Enter the amount, authenticate the transaction, and the money will be instantly credited to your wallet.

Jio Money Transfer

All Jio members could have access to the Jio money transfer service. This initiative allows customers to send money from their Jio account to anyone in India instantly. Customers can use the Jio fund transfer service to digitally transfer funds from their wallet to the beneficiary’s account, which will be transferred in real-time. The main advantage of Jio Fund’s electronic payment service is that customers can contribute money digitally instead of sending a check. Customers also do not need to mail the receiver a check because the money is sent to their bank account in real time.

Benefits of Using JioMoney Online Transfer Service

The benefits of Jio online money transfer service are mentioned below:

  1. You may make real-time money transfer from your Jio account no matter where you are.
  2. Making a financial transfer with Jio Money Transfer requires no registration or adding of beneficiaries.
  3. You can effortlessly transfer money between your Jio Bank accounts if you have multiple bank accounts.
  4. You can transfer money between your Jio Money Transfer account and other bank accounts.
  5. JioMoney transfer service allows you to transfer money 24 hours a day, seven days a week.
  6. You can also initiate a money transfer on weekends, holidays, and even on Saturday/Sunday.

Jio Money Transaction Limits and Charges

Jio Money offers different transaction limits based on your account type - basic, premium, or advanced. Basic accounts have lower limits, while premium accounts can transfer higher amounts. Some transactions may attract nominal fees, which are clearly mentioned in the app.

What is JioMoney Beta?

JioMoney wallet (Beta) APK is a development stage program that allows you to use all of the app’s functionality. The term ‘beta’ refers to a version of an app that is still in beta testing. The app’s developer releases the beta version to allow users to test the app and submit feedback to the developer.

JioMoney Beta is a smart app created by Jio that gives you all the benefits of cash without drawbacks. With JioMoney, you may also enjoy the convenience of shopping at any Reliance retail store, whether it’s Reliance Fresh, Digital Express, Reliance Jewels, or any Reliance retail brand. You can also use JioMoney to digitise your reliance one reward points.

Features of JioMoney Beta

The various features of JioMoney Beta are given below:

  1. You may use JioMoney Beta to make safe digital payments from anywhere.
  2. The app is simple to navigate and easy to use.
  3. JioMoney Beta allows you to make digital payments without having to worry about any form of fraud.
  4. You may recharge your phone in a matter of minutes and receive offers on your Jio payments as the recharge is completed.
  5. You may recharge your prepaid, postpaid, DTH, data card connection, and much more with the new PayMyBill feature.
  6. Instantly book bus, rail, airplane, and cinema tickets from the app and receive incredible incentives for your booking.
  7. Recharge your vehicle’s FASTag and avoid toll booths for a more relaxing drive.

How to Resolve JioMoney Customer Complaints?

JioMoney treats all of its consumers in the same way. Jio is available to help you 24X7 with any questions, requests, or complaints. To resolve your difficulties, you can contact JioMoney using the means listed below. The resolution of your issues will take two working days from the date of receipt. You can reach Jio customer service through:

  1. Call: 1800891999
  2. Mail: care@jiomoney.com.

Types of JioMoney Accounts

JioMoney has two types of accounts to choose from:

  1. Basic account: The monthly transaction limit for this account is Rs.10,000 and no documentation are required to open a ‘Basic Account’
  2. Advanced account: With the advanced account, premium members can maintain up to Rs.1,00,000 in their JioMoney account during a month. Customers with an advanced account can make as many transactions as they like over Rs.1,000,000 each calendar month.

Who is Eligible for JioMoney Transfer Service?

To use Jio Online Transfer Money, you must meet the following requirements:

  1. You must already have a Jio account or Jio savings account
  2. Your existing bank account must be linked to your mobile number
  3. To utilise the Jio Money Transfer service, you must have a smartphone (Android or iOS)
  4. An active internet connection.

FAQs on Jio Money

  • What is the Jio money?

    Jio Money is a type of e-Wallet through which users can load money using a bank account or credit/debit card. JioMoney can be used to send money to friends and family as well as make purchases both online and offline after being loaded with credit. 

  • How do I open a Jio money account?

    You can open a Jio Money account by downloading the app on your phone and then providing your personal details including your bank account details. You can also call 1800 200 200 7 to open a Jio Money account. 

  • What are the charges for using JioMoney services?

    Most services on JioMoney, such as mobile recharges, bill payments, and in-app transfers, are free of cost. However, transferring money from your JioMoney wallet to a bank account may attract a nominal service fee, depending on the amount and type of account. It’s best to check the “Charges” or “Fees” section within the app for the latest and detailed information.

  • Is Jio money a payment bank?

    Yes, Jio Money can be considered a payment bank since it is a partnership between Reliance Industries and State Bank of India where the former holds 70% stake and the rest is held by the Indian bank. 

  • What is the limit of Jio money?

    A 'Basic Account' can only have Rs.10,000 worth of transactions each month and no paperwork are necessary to use it. Up to Rs.1 lakh can be kept in the Jio Money Account by premium members each month. Customers who have an advanced account are permitted an unlimited number of transactions over Rs.1 lakh every calendar month.

  • Can I transfer Jio money to bank account?

    Yes, you can transfer the amount directly from your Jio money account to your bank account by entering the bank account details of the beneficiary including the IFSC code. Enter the amount you wish to send and the PIN number. The money will be deposited directly in the bank account of the beneficiary.

  • What is the minimum balance in Jio bank?

    There is no minimum balance you need to maintain if you are a customer of Jio Bank. 

  • Is Jio UPI safe?

    Jio UPI is a safe as user data security is of utmost priority making it a highly secure platform. Jio adheres to all applicable regulations and have taken all necessary precautions to make this digital payment platform safer for you. 

  • How do I check MyJio wallet balance?

    Log in to your MyJio account using your mobile number and enter a one-time password (OTP). Once you have logged in, you will be able to view the balance in your MyJio wallet. 

  • Who can open account in Jio payment bank?

    Any resident of India who is at least 18 years old may register a Jio Savings Bank account. The Jio Bank account can be opened for free.

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