You might be tempted to use this app without a SIM. However, it is important to note that this app canoe work without a SIM that is registered in the bank. Even Google Pay cannot allow you to do this. All this is due to security reasons. Therefore you need to have a SIM that is registered for you to enjoy the services of this app. The good news is that a new SIM can be active in 30 to 2 hours, and after that, you are good to go.