Download and install the Tez app from the app store
Open the app and sign in with your mobile number
Verify your account with the OTP sent to your phone
Link your bank account to the app
Set up your UPI PIN if required
Choose the option to send money
Enter the recipient’s UPI ID, mobile number, or bank details
Enter the amount to transfer
Add a note if needed
Confirm the payment
Enter your UPI PIN to authorize the transaction
Check the transaction status after payment
Use the app to receive money by sharing your UPI ID or QR code
Use the app to pay bills or recharge if available
Review transaction history in the app
Update app permissions and security settings as needed