Money maths · lesson 27 of 30 · free

Safe digital payments — Money maths for kids

Phones can pay money in seconds with UPI and QR codes. That is useful, but tricksters try to fool people. The rules are simple: an OTP or PIN is secret and is never needed to receive money; check the name and the amount before paying; and if a call, message or link feels odd, do not click — tell a grown-up.

▶ Watch how it works

Got it? Practise ↓

The method

Stop, check, ask — “stop before you share or click, check the name and amount, ask a grown-up”

  1. Never share an OTP or PIN with anyone — not on a call, message or link, even if they say they are from a bank.
  2. A PIN or scanning a QR code is only for paying; you never need it to receive money.
  3. Before paying, check the name and the amount. Prize links and “you have won” messages are tricks — ignore them and tell a parent.
  4. Paid by mistake or something looks wrong? Tell a grown-up at once.

Use it for: Using a family phone to pay, spotting scam calls and messages, and digital safety lessons in Class 6–8.

Worked example: Rahul gets a call: “I am from the bank. Tell me the OTP sent to your phone.” What should Rahul do? Never share the OTP

  1. An OTP is like the key to the money. Banks never ask for it.
  2. The safe choice is never to share it.

Check: Whoever has the OTP can take the money — so keeping it secret keeps the money safe ✓

▶ Watch it animated

✏️ Practice

Work it out in your head or on paper, type the answer and press Check. Stuck? Press “Show me how”.

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🏁 Lesson 27 test

20 sums. Check each answer, then go to the next one. Get 16 or more right to pass.

🏅 Sign in with Google to earn the 🔐 Safe Payer badge when you pass — and a certificate when you finish all 10 lessons of Part 3 · Money sense. You can still take the test without signing in.

🖨️ Safe Digital Payments Worksheet

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