Joint, Family and Third-Party Bank Accounts

Prerequisites & Limits

Own name only: The account holder name at the bank must match the name on your PAN.
Family or friend's account: Cannot be linked, even with their permission. Deposits sent from someone else's account are not credited — they are refunded to the account they came from.
Joint accounts: Allowed only if you are the primary holder, and our team reviews each joint account before approving it. Joint accounts where you are not the primary holder are rejected.
NRE / NRO / current / corporate accounts: Not accepted — only resident individual savings accounts.
Already linked elsewhere: An account linked to another Mochatrade account is rejected.
Withdrawals: Paid only to your verified bank account, never to a third party. Withdrawals to a newly added account start after a short security hold.

Go to Funds, then Linked accounts, then Add bank account (or Settings, then Bank and UPI).
Enter your IFSC and account number, then tap Verify with a ₹1 credit — we send ₹1 to confirm the account is yours and the name matches your PAN.
Once verified, tap Use this account.
Adding a joint account where you are the primary holder? It goes for review — we will update you once it is checked.

'Account belongs to another individual': The account is in a family member's or friend's name — add a savings account in your own name instead.
Joint account rejected: You are not the primary holder on that account. Use an account where you are the primary holder, or a sole account in your name.
NRE / NRO / current / corporate rejected: Only resident individual savings accounts can be verified.
'Already linked to another Mochatrade account': If you believe you own that account too, contact support — our team will run an ownership check. We cannot reveal which account it is linked to.
Name mismatch: Small differences like initials, a middle name or name order are reviewed by our team; a clearly different name means the account cannot be verified.