Typically, you don’t need a bank account to register for PayZapp. You can complete the basic KYC with your Permanent Account Number (PAN) and enjoy the features of PayZapp, albeit with transaction limits. However, to make payments, you are required to link your Debit Cards, Credit Cards or bank accounts. Also, if you wish to maintain a balance in the prepaid wallet, you need to use a bank account to load money in the wallet.