How to Change Your UPI PIN?

The Unified Payment Interface (UPI) allows you to instantly transfer money from one bank account to another using your mobile device. Every time you make a UPI transaction you have to enter a four or six-digit security code. This code is your UPI PIN.

You create a new UPI PIN every time you add a new payment account. You might need to change this PIN for a variety of reasons. You may have forgotten it, suspect your account's security is compromised, or simply wish to improve security. 

In this article, we will explore how to change your UPI PIN using some popular payment apps - Google Pay, PhonePe, and Paytm.

Understanding UPI PIN

A UPI PIN is a four to six-digit number to authorize a transaction made through a UPI-enabled app such as Google Pay, Phonepe, Moneyview, or Paytm. It is important to keep this code secure to prevent fraudulent transactions.

If there are any security concerns you can always change your UPI PIN in a few easy steps. Let’s look at the various ways on how to do this.

How to Change UPI PIN in Google Pay?

Follow these steps to change your UPI PIN through Google Pay:

  • Step 2: Tap on your profile picture at the top right corner.

  • Step 3: Tap “Bank Account”.

  • Step 4: Tap the bank account for which you want to change the UPI PIN.

  • Step 5: Tap on the three dots at the top right corner.

  • Step 6: Tap “Change UPI PIN”.

  • Step 7: Enter your old UPI PIN.

  • Step 8: Enter your new UPI PIN, and re-enter it on the next screen to confirm.

You have now changed your UPI PIN. You will have to enter the new code to make any further transactions.

How to Change UPI PIN in PhonePe?

You can follow these instructions to change your UPI PIN through PhonePe:

  • Step 2: Tap your profile icon at the top left corner.

  • Step 3: Tap ”Bank Accounts”.

  • Step 4: Select the bank account for which you want to change the UPI PIN.

  • Step 5: In the “UPI PIN” box, tap the “Change” button.

  • Step 6: Enter your old UPI PIN.

  • Step 7: Enter your new UPI PIN, and re-enter it on the next screen to confirm.

Your UPI PIN will change once you follow the steps given above.

How to Change UPI PIN in Paytm?

Change your UPI PIN in Paytm by following these simple steps:

  • Step 2: Tap your profile icon at the top left corner.

  • Step 3: Tap “UPI & Payment Settings”.

  • Step 4: Under “Payment Accounts” select the bank account for which you want to change the UPI PIN.

  • Step 5: Tap the “Change” button in the “UPI PIN” box.

  • Step 6: You can use your debit card or Aadhaar Card to change your UPI PIN. But if you remember your old UPI PIN, tap on “I remember my old UPI PIN”.

  • Step 7: Enter your old UPI PIN.

  • Step 8: Enter your new UPI PIN, and re-enter it on the next screen to confirm.

You will now have to use your new UPI PIN to make transactions.

How to Reset Your UPI PIN?

In all of the above methods, you need to remember your old UPI PIN to change it. But if you have forgotten your old UPI PIN you can still change it using your debit card or Aadhaar card.

Reset UPI PIN in Google Pay

Reset your UPI PIN in Google Pay by following these steps:

  • Step 1: Open Google Pay.

  • Step 2: Tap your profile icon and then “Bank account”.

  • Step 3: Tap your bank account.

  • Step 4: Tap “Forgot UPI PIN”.

  • Step 5: Follow the on-screen instructions. You can use your debit card or Aadhaar card to verify your bank account.

Reset UPI PIN in PhonePe

Reset your UPI PIN in Phonepe by following these steps:

  • Step 1: Open PhonePe.

  • Step 2: Tap your profile icon, and then “Bank Accounts” under “Payment Methods”.

  • Step 3: Tap your bank account.

  • Step 4: Tap “Reset”.

  • Step 5: Follow the on-screen instructions. You can use your debit card or Aadhaar card to verify your bank account.

Reset UPI PIN in Paytm

Reset your UPI PIN in Paytm by following these steps:

  • Step 1: Open Paytm.

  • Step 2: Tap your profile icon, and then “UPI & Payment Methods”.

  • Step 3: Tap your bank account under “Payment Accounts”.

  • Step 4: Tap “Change”.

  • Step 5: Follow the on-screen instructions. You can use your debit card or Aadhaar card to verify your bank account.

Conclusion

Knowing how to change your UPI PIN is important to keep your account safe and secure. Thankfully there are multiple ways to change or reset your UPI PIN.

Using common UPI payment apps like Google Pay, Phonepe, or Paytm you can change your UPI PIN in just a few minutes. And if you have forgotten your old UPI PIN, there is nothing to worry about, because use can use your debit card or Aadhaar card to reset it.

How to Change Your UPI PIN - Related FAQ

If you enter the wrong UPI PIN more than 3 times, you will not be able to change or reset your UPI PIN for the next 24 hours.

If you forget your UPI PIN, you can reset it by following these steps:

  1. Open your UPI-enabled app (e.g., Google Pay, PhonePe, Paytm).
  2. Go to the section where you can manage your bank accounts.
  3. Select the option to change or reset your UPI PIN.
  4. Enter your debit card details and OTP for verification.
  5. Create and confirm a new UPI PIN.

There is no official mandate to change your UPI PIN. However, it is a good security practice to change your UPI PIN every 3-6 months or immediately if you suspect any unauthorized access to your account.

If you reset your UPI PIN, there will be a cool-off period of 24 hours which will be initiated once your first transaction is made. During this period, you are only allowed to make transactions of up to Rs.5,000.

Was this information useful?