What is GPay Pocket Money? Google Pay Launches New Feature: Track, Limit, Approve Kids’ Payments and Do KYC

Google Pay has rolled out a new feature called "Pocket Money," aimed at reshaping how families handle digital payments for children and dependents. Built on its UPI Circle framework, the feature allows parents to let others make payments using their bank account-without requiring them to have a separate account of their own.

Google Pay Launches 'Pocket Money' Feature

The move comes at a time when younger users are increasingly gaining access to smartphones and digital payment platforms. With this update, Google Pay is positioning itself not just as a payments app, but also as a tool to help families introduce controlled financial habits early on.

What the GPay Pocket Money Feature Does

The system is designed to strike a balance between independence and supervision, giving young users spending access while ensuring parents remain in control.

How Users Can Set Up Pocket Money Feature on Google Pay?

To get started, the primary user must have an active bank account linked to Google Pay. They can then add up to five secondary users, which may include children, family members or trusted individuals. The only requirement for the secondary user is to have the Google Pay app installed and registered with their mobile number.

Once added, the secondary user can initiate payments through UPI. However, all transactions are ultimately processed through the primary user's account, ensuring complete oversight.

Spending Controls and Safety Features: Set Limits or Approve Every Transaction

A key aspect of the Pocket Money feature is the level of control it offers. Parents can choose between two modes depending on how much freedom they want to provide.

The first option allows setting a monthly spending limit of up to Rs 15,000. Within this cap, the secondary user can make payments independently, making it similar to a digital allowance system.

The second option is more restrictive, requiring approval for every transaction. In this case, the secondary user must send a payment request, which the primary user can review and approve before the transaction is completed. This is particularly useful for younger children or for those who prefer tighter monitoring.

KYC Verification Mandatory for Added Security on Google Pay

To meet regulatory requirements, the system also includes a verification process. Parents must confirm their relationship with the secondary user and provide valid government identification, in line with KYC norms. This adds an extra layer of security and reduces the chances of misuse.

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