How to Change UPI PIN in PhonePe?

In India, PhonePe is one of the leading payment applications that allows users to fund transfers, bill payments, and online shopping. Further added to the app’s security measure is the UPI PIN (Unified Payments Interface Personal Identification Number), which is a key feature that allows the user to make secure transactions on the platform. The PIN protects financial information by requiring transaction authorization. In this detailed tutorial, we’ll assist you change your UPI PIN in PhonePe for a seamless experience.

Why Changing Your UPI PIN is Important

The UPI PIN is the sole one that lets you approve any UPI transactions on PhonePe. If someone gains access to your UPI PIN without your knowledge, they will be able to transact in your name thereby committing fraud. For this reason, it is best to keep your UPI PIN secret and modify it from time to time if you believe its security has been breached. It is also advisable to change your PIN from time to time since this helps to improve account security.

How to Change UPI PIN in PhonePe: Step-by-Step

Change UPI PIN in PhonePe Step-by-Step

Here is how you can update your UPI PIN in the PhonePe app:

Step 1: Open The PhonePe App

You will need to search and click the PhonePe app on your Android or iOS device. Don’t forget to log in to your account.

Step 2: Access Your Profile

On the top left corner of the home page, click or tap on your profile picture or the first two letters of your name or email address.

Step 3: Go to ‘My Money’ Tab

Now, that you are in your profile section, look for the ‘My Money’ tab, which comprises all your payment options and the bank accounts linked to it.

Step 4: Click on ‘Bank Accounts’

Find the option for ‘Payment Methods’ and locate ‘Bank Accounts.’ This will link all the bank accounts you have registered with your Phone pee account for transactions.

Step 5: Choose Your Desired Bank Account

From the registered bank accounts, choose the desired bank account whose UPI PIN you wish to modify.

Step 6: Select ‘Change UPI PIN’

Next, tap on the ‘Change UPI PIN’ option. If you don’t see this option directly, look for settings or other related UPI PIN options in your bank account settings.

Step 7: Enter The Previous UPI PIN

Please key in the old UPI PIN as the system must ascertain your identity. This step ensures the system is safe and secure.

Step 8: Create a New UPI PIN

After successfully entering the old PIN, you’ll be prompted to enter a new 4-digit or 6-digit UPI PIN. Choose a PIN that’s both easy for you to remember and difficult for others to guess.

Step 9: Approve The New UPI PIN

Re-enter the new UPI PIN to confirm it and tap ‘Submit’. Your UPI PIN will be updated successfully!

You can approve payments on PhonePe with the new PIN that you have set.

How to Reset Your UPI PIN in PhonePe if You Forget It

In case you have lost or misplaced your UPI PIN, you can use details about your Aadhar card or Debit / ATM card to reset it. Here’s how you can go about it:

Resetting UPI PIN Using Aadhar Card

  1. Open the PhonePe app and tap your profile picture.
  2. Go to the ‘Bank Accounts’ section and select the bank account you wish to reset the UPI PIN.
  3. Search for the ‘Reset UPI PIN’ button and click it along with selecting the option of ‘Aadhar Number linked with bank’.
  4. Select the first six digits of your Aadhar ID and click on ‘Proceed’.
  5. You will receive a phone number verification OTP to your registered number, insert that.
  6. Set and confirm your new UPI PIN.

Congratulations your UPI PIN has been reset, and you can use it whenever required.

Resetting UPI PIN Using a Debit/ATM Card

As an alternative, if it all proves impossible, you can reset your UPI PIN using your Debit/ATM card as long as you do not have access to your Aadhar number:

  1. Open the PhonePe app and tap on your profile picture.
  2. Press ‘Bank Accounts’, then select the bank account you wish to change the PIN for.
  3. Click on ‘Reset UPI PIN’ and select the ‘Debit Card or ATM Card’ option.
  4. Type in the last 6 digits of your Debit Card or ATM card along with the expiration date and then click ‘Proceed’.
  5. You will be prompted for an OTP you received on the previously registered mobile phone by you, enter this to authenticate yourself.
  6. Choose a new UPI PIN and confirm it.

Done. Now your new UPI PIN shall be active and ready for use.

Tips for Creating a Strong UPI PIN

Creating a strong UPI PIN is necessary to keep your account active. The following pin-generation tips will aid you greatly:

  • Avoid Using Obvious Sequences: Refrain from using simple to guess UPI PINs which can include your year of birth or simple repetitive patterns such as “1234.”
  • Choose Random Numbers: Avoid selecting a pin that has significance to your life or is easy for others to guess, make it completely random.
  • Regularly Change Your PIN: Form an easy and manageable habit of changing the UPI PIN regularly every few months for better security.
  • Don’t Share Your PIN: Why would you ever reveal your UPI PIN in the first place? Remember to keep your UPI pin secret. Never share your UPI PIN over the phone, be it email or a message, even if a person claims to be from PhonePe or your bank.

Common Issues and Troubleshooting

When trying to change or reset your UPI PIN on PhonePe you might run into a few issues. Here are some of the most common problems and solutions to them:

  • Problem: Wrong OTPSolution: Ensure that you have provided the right mobile number associated with the bank account and also verify if you made any spelling mistakes.
  • Problem: Can’t Change UPI PINSolution: If you fail to change your UPI PIN, ensure that your PhonePe account has been fully set up to link to your bank, and try the process again after having a good internet connection.
  • Problem: You are Unable to Use Your New PINSolution: Ensure that your new PIN fulfills the requirements set in place. If needed, select another four or six-digit number.

Also Read: How to Delete PhonePe History?

Conclusion

It’s vital to update your PhonePe UPI PIN occasionally as it will protect all your payments. PhonePe fluctuates between using weak and strong security protocols for updating your PIN so the procedure is slightly different based on the circumstances. Make a note of all the best security customs when using PhonePe to ensure the privacy of your account.

By changing your UPI PIN and other secondary safety features, using PhonePe can be safe and easy. As stated earlier in this guide, ensure that you update your account regularly to keep any threatening interest or activity dormant.

1. How can I change my UPI PIN in PhonePe?

To reset your UPI PIN in PhonePe, you need to:

  • Open the PhonePe app on your smartphone.
  • Click on your profile image icon and select ‘Bank Accounts’ from the Payment Methods section.
  • Now, select the specific bank account whose UPI PIN you need to reset.
  • Now click on the ‘Change UPI PIN’ option.
  • Input your existing 4 or 6-digit UPI PIN then go on to set a new one.
  • Confirm the new PIN to finalize the process.

This UPI PIN change procedure will effectively modify your UPI PIN safe and secure for any transactions.

2. What should I do if I forget my UPI PIN in PhonePe?

You can reset your UPI PIN via your Aadhar card or Debit/ATM card if you forgot it. To reset it:

  • Open your PhonePe application, tap on the profile icon, and select the option ‘Bank Accounts’.
  • Select the specific bank account and hit the reset UPI PIN’ button.
  • A PIN will be sent for you to verify x using the details of your Aadhar card and or the details of your Debit/ATM card.
  • Once verified, you will be able to set a new UPI PIN and then confirm it.

3. Is sharing my UPI PIN with anyone on PhonePe safe?

Never share your UPI PIN with anyone, as you may be compromising your security without even knowing it. PhonePe, along with any other payment application, will never request your PIN over calls or emails. Anyone who asks for the UPI PIN may be attempting to access your account illicitly. Therefore, always keep your PIN a secret and do not disclose it to anyone.

4. Can I change my UPI PIN without knowing the current PIN in PhonePe?

Forget your current UPI problem! Simply use your Aadhar card details or a Debit/ ATM card to reset your PIN with ease. If you do not recall your PIN, now is the time to go over the straightforward steps from the ‘Bank Accounts‘ section if you want to reset it by replacing it with your Aadhar or Debit card.

5. How do I ensure my UPI PIN is secure on PhonePe?

To make your UPI PIN secure in PhonePe follow the following measures:

  • Don’t use obvious PIN combinations like your date of birth, or sequential or repeating numbers.
  • Make frequent changes to your UPI PIN to ensure enhanced security.
  • Always implement two-factor authentication (2FA) wherever possible for added security.
  • Do not disclose your PIN to any third parties; always ensure your phone is locked.

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