How to Set UPI PIN Without Debit Card in Phonepe?

PhonePe is one of India’s most trusted digital payment systems that allows users to seamlessly link their bank accounts to the app and pay for their purchases in an instant. 

Users must set a PIN using their debit card to ensure the account is secure. However, PhonePe has introduced a new method in which users can set their UPI PIN without a debit card.

In this article, we will take you through the step-by-step process of setting PhonePe PIN without a debit card

How to Set UPI PIN in Phonepe Without Using Debit Card?

PhonePe unveiled a new method that allows setting UPI PIN without using a debit card. Using this process, you can easily set your UPI PIN in simple steps. 

Create a UPI PIN without a debit card by following these steps.

• In the upper left corner of your profile, click on the picture of your account

• Go to “Payment Methods” and choose the bank account you wish to set UPI PIN for

• Select “Set” or “Reset” next to “UPI Pin”

• Next, you will be given an option to either choose a debit card or an Aadhaar card to set the PIN

• Select the “Aadhaar Card” option instead of Debit card and click on proceed 

• On the next screen, enter the first 6 digits of your Aadhaar number

• You will have to verify your Aadhaar and mobile number

• There will be two OTPs you receive, one from the UIDAI and another from your bank

• Enter the OTPs for successful verification

• Now, set a secure PIN and re-enter it for confirmation

• Tap confirm and your UPI PIN is set

Note: For this process to work, the mobile number associated with your bank account, Aadhaar card, and PhonePe account must be the same.

Why Am I Unable To Set My UPI PIN Using The Aadhaar Option?

Setting UPI PIN in PhonePe using an Aadhaar card is a relatively new option. There are times you may not be able to change your UPI PIN using an Aadhaar number. Several factors can contribute to it, such as, 

1. It's possible that you entered the wrong Aadhaar number twice. In that case, try again in 24 hours.

2. Your Aadhaar card is not connected to the bank account you are attempting to add to Phonepe.

3. It's possible that your bank does not yet support using an Aadhaar number to set a UPI PIN.

4. You are using an iOS device. This feature is currently available only to Android users.  

In these situations, setting your PIN requires using your debit card. If you don't have a debit card, speak with your bank to find a solution.

Digital payments are commonplace in today’s world and have significantly changed the way we conduct financial transactions. They have successfully replaced the use of debit cards to an extent. Now, it is possible to set UPI PINs without using debit cards as well. With an Aadhaar card, you can sign up for UPI whenever, and wherever.