In today's digital world, UPI PAYMENT has become a fast, secure, and ubiquitous digital mode of cash transfer in India. Every transaction through UPI (UNIFIED PAYMENT INTERFACE) requires a secret PIN that authenticates your payment. One must know HOW TO CHANGE UPI PIN whether he/she wants to change it because of security reasons, forgot, or for any other reason.
The following are the step-by-step methods for CHANGING YOUR UPI PIN, along with safety tips, examples, and FAQs to help you out. The steps would be nearly the same whether you use GOOGLE PAY, PHONEPE, PAYTM, BHIM, or any other UPI APP.
To add a security layer, the UPI system first requires you to link your bank account and creates your UPI PIN that may be 4 or 6 digits. This PIN is used to authorize outgoing transactions like sending cash through a bank account and paying through QR codes.
Just like the ATM PIN but for the world of digital.
Some common reasons to change the UPI PIN include the following:
To CHANGE YOUR UPI PIN in GOOGLE PAY, follow the instructions below:
That's it! Your PIN is updated instantly.
For CHANGING UPI PIN in PHONEPE:
Changing your UPI PIN in PAYTM is very simple:
To CHANGE UPI PIN in BHIM:
For example:
Use only the authentic apps for the transaction (GOOGLE PAY, PHONEPE, etc.).
Don't ever share your UPI PIN with others, not even customer care agents.
Choose a strong number that you can remember - avoid numbers easy for others to guess, like birthdays or 1234.
For additional safety, enable fingerprint identification or face recognition for your UPI APP.
If your phone gets stolen, contact your bank or block your UPI ID instantly.
Changing your UPI PIN is indeed wise if you are looking for security against your digital wallet and your funds.
Q1. Can I change UPI PIN without debit card?
No, to change UPI PIN, most apps require you to verify using your debit card linked with the bank account.
Q2. What happens if I enter the wrong UPI PIN multiple times?
If you enter the wrong UPI PIN 3 times, your account may get temporarily locked for 24 hours.
Q3. Can I use the same UPI PIN across all apps?
Yes, as long as you're using the same bank account, your UPI PIN remains the same across GOOGLE PAY, PHONEPE, etc.
Q4. Is there any fee to change UPI PIN?
No, changing or resetting your UPI PIN is completely free.
Changing UPI PIN is a skill that almost every smartphone user in India must definitely have. Changing it for any reason like forgetting, feeling insecure, or just wanting a change is just a step away, which makes it practically important for financial safety.
Keep your UPI PIN safe and secure; do not share it with anyone, and change it at intervals for enhanced protection. Any popular UPI APP such as GOOGLE PAY, PHONEPE, PAYTM, or BHIM would allow you to reset or update the PIN in just a few taps. Walk the steps herein, and, following the safety tips, enjoy seamless UPI PAYMENTS every other day.
The following are the step-by-step methods for CHANGING YOUR UPI PIN, along with safety tips, examples, and FAQs to help you out. The steps would be nearly the same whether you use GOOGLE PAY, PHONEPE, PAYTM, BHIM, or any other UPI APP.
WHAT IS A UPI PIN?
To add a security layer, the UPI system first requires you to link your bank account and creates your UPI PIN that may be 4 or 6 digits. This PIN is used to authorize outgoing transactions like sending cash through a bank account and paying through QR codes.Just like the ATM PIN but for the world of digital.
WHY YOU SHOULD CHANGE YOUR UPI PIN
Some common reasons to change the UPI PIN include the following:- Suspected someone knows your current UPI PIN
- Time for regular security hygiene
Forgot current PIN
Switch for a new phone
Change or re-add bank account in the app
HOW TO CHANGE UPI PIN IN GOOGLE PAY
To CHANGE YOUR UPI PIN in GOOGLE PAY, follow the instructions below:- Open the GOOGLE PAY APP
- Tap on your profile photo (top right)
- Go to BANK ACCOUNT
- Select the bank account you want to update
- Tap FORGOT UPI PIN or CHANGE UPI PIN
- Enter last 6 digits of your debit card and expiry date
- You’ll receive an OTP (One-Time Password)
- Enter OTP and SET YOUR NEW UPI PIN
That's it! Your PIN is updated instantly.
FOR CHANGING YOUR UPI PIN IN PHONEPE
For CHANGING UPI PIN in PHONEPE:- Open PHONEPE
- Tap on your profile icon
- Select BANK ACCOUNTS
- Choose your bank
- Tap RESET/CHANGE UPI PIN
- Enter debit card details
- Verify with OTP
- Create a new UPI PIN and confirm
FOR CHANGING YOUR UPI PIN IN PAYTM
Changing your UPI PIN in PAYTM is very simple:- Launch the PAYTM APP
- Tap on UPI & PAYMENTS
- Go to SAVED BANK ACCOUNTS
- Select the bank
- Click CHANGE UPI PIN
- Enter card details + OTP
- SET AND CONFIRM YOUR NEW UPI PIN
HOW TO CHANGE UPI PIN IN BHIM APP
To CHANGE UPI PIN in BHIM:- Open BHIM
- Select your bank account
- Tap CHANGE UPI PIN
- Enter existing PIN
- Enter new PIN
- Confirm it again
INSTANCES WHEN UPI PIN SHOULD BE CHANGED
For example:- You shared your phone with your friend, who may have read your UPI PIN → Change Immediately
- You’re receiving error messages or attempts on your UPI APP are unauthorized → Reset your UPI PIN
- You have added your bank account to a new UPI APP → You must SET A NEW UPI PIN during linking
TIPS TO STAY SAFE WHILE CHANGING UPI PIN
Use only the authentic apps for the transaction (GOOGLE PAY, PHONEPE, etc.). Don't ever share your UPI PIN with others, not even customer care agents. Choose a strong number that you can remember - avoid numbers easy for others to guess, like birthdays or 1234. For additional safety, enable fingerprint identification or face recognition for your UPI APP. If your phone gets stolen, contact your bank or block your UPI ID instantly.Changing your UPI PIN is indeed wise if you are looking for security against your digital wallet and your funds.
COMMON QUESTIONS ASKED ABOUT UPI PIN CHANGE
Q1. Can I change UPI PIN without debit card?No, to change UPI PIN, most apps require you to verify using your debit card linked with the bank account.
Q2. What happens if I enter the wrong UPI PIN multiple times?If you enter the wrong UPI PIN 3 times, your account may get temporarily locked for 24 hours.
Q3. Can I use the same UPI PIN across all apps?Yes, as long as you're using the same bank account, your UPI PIN remains the same across GOOGLE PAY, PHONEPE, etc.
Q4. Is there any fee to change UPI PIN?No, changing or resetting your UPI PIN is completely free.
FINAL THOUGHTS
Changing UPI PIN is a skill that almost every smartphone user in India must definitely have. Changing it for any reason like forgetting, feeling insecure, or just wanting a change is just a step away, which makes it practically important for financial safety.Keep your UPI PIN safe and secure; do not share it with anyone, and change it at intervals for enhanced protection. Any popular UPI APP such as GOOGLE PAY, PHONEPE, PAYTM, or BHIM would allow you to reset or update the PIN in just a few taps. Walk the steps herein, and, following the safety tips, enjoy seamless UPI PAYMENTS every other day.
