January 7, 2025 · 11 mins read
Santosh Kumar
In today’s fast-paced digital world, Unified Payments Interface (UPI) has transformed how we conduct financial transactions. With its ease of use and instant transfer capabilities, UPI has become a preferred method of payment in India. However, as with any technological advancement, ensuring security and taking necessary precautions is crucial. One important precaution is knowing how to block UPI numbers or disable UPI services when needed. Whether you've lost your phone, suspect unauthorized activity, or no longer wish to use UPI, this article will guide you step-by-step on how to block UPI numbers or disable UPI services.
Unified Payments Interface, or UPI, is a software payment system to enable users to carry out all sorts of financial transactions using a mobile device online. Instead of entering personal data like bank account number, IFSC code, etc.; like one has to in traditional forms of withdrawals and deposits; this method makes use of the web to transfer money to and fro. Transactions can simply be initiated through a quick response code(QR Code) or a UPI Id. Thus enabling users to make payments and transfers efficiently just through some clicks.
Almost every bank today has their own personalized online banking app. These apps have been integrated with UPI to provide a seamless and non-cumbersome medium for managing financial transactions. Be it paying for groceries to a hawker on the streets or getting your monthly salary credited; UPI has blended all forms of financial mobility solutions at one place.
If talking in technical terms, UPI enables transfer of funds from peer-to-peer (P2P) and person-to-merchant (P2M). Its basic operation makes use of the Immediate Payment Service (IMPS) infrastructure, which allows for instant money transfers even outside of banking hours. Even if the two parties involved in money transfer have accounts in different banks, UPI has integrated service providers at one platform thus making transactions free of technicalities and time-efficient.
A UPI ID is just like any other identification card a student may carry to enter school premises; it is basically a unique virtual payment address personal to the user. abc@bank is one such instance of a UPI Id. On the other hand UPI PIN is a 4 or 6 digit code that needs to be entered to initiate financial transactions. These credentials eliminate usage of sensitive data.
Bank accounts have to be registered and linked to the active mobile coontact. This is ussed for verification, sending messages, etc.
Instead of downloading different netbanking apps, one can simply download popular interface apps like Google Pay, PhonePe, Paytm, and BHIM which acts as a medium for transference of funds. UPI apps have software that integrates all banking services at one place.
1: Download any UPI-enabled app and get it linked to your bank account.
2: Create a unique UPI ID and set a UPI PIN.
Read More:: Common Types of UPI Frauds in India and How to Avoid Them
1: Launch the app and choose the type of transaction you wish to carry out: send money, receive payments, or pay bills.
2: Enter the recipient’s UPI ID, mobile number, or bank account details.
The app will verify the transaction after entering the PIN code.
Once the validation has been carried out by the interface, the transaction is processed. Also a notification informing the same is sent to both the involved parties.
Read More:: How To Deactivate UPI ID?
There are several scenarios where disabling UPI becomes necessary:
Why Would You Need to Block or Disable UPI?
If your phone is lost or stolen, your UPI-enabled apps may become vulnerable to unauthorized access. Blocking UPI services immediately can prevent potential misuse of your bank account. By disabling UPI, you ensure that no transactions can take place until you regain control of your device or account.
Instances of phishing, hacking, or unauthorized transactions are growing in the digital age. If you notice suspicious activities linked to your UPI account, it’s wise to disable the service temporarily. This precautionary step can prevent further financial losses and give you time to secure your account.
Read More:: How to Get Money Back From UPI Frauds?
When migrating to a new phone or mobile number, you may need to disable UPI on the old device to avoid duplicate registrations or confusion. Re-enabling UPI on the new setup ensures smooth and secure transactions.
Sometimes, users may block or disable UPI to curb impulsive spending. By temporarily disabling access to easy payments, you can better control your financial habits and save more effectively.
If you’re closing or modifying your bank account, disabling UPI ensures that linked transactions are halted. This avoids any disruptions or errors during the transition.
Here’s a detailed guide on how to block UPI numbers or disable UPI services across various platforms:
Read More:: How to create a UPI ID and UPI PIN?
Most UPI-enabled banks provide the option to block UPI services via customer support.
Step 1: Call your bank’s customer care number
Step 2: Authenticate your identity by providing details like your account number, registered mobile number, and other security information.
Step 3: Request the customer care executive to block or disable your UPI access.
For instance:
1: If you’re using SBI UPI, call the SBI helpline at 1800 11 2211.
2: For HDFC Bank, call their support line at 1800 202 6161.
Many banks allow users to block or disable UPI directly through their mobile banking apps.
Step 1: Log in to your bank’s mobile banking app.
Step 2: Navigate to the UPI section or services menu.
Step 3: Select the option to deactivate or disable UPI.
Step 4: Confirm your action.
Example:
In the HDFC Bank app, you can go to the “UPI Settings” section and choose “Deactivate UPI.”
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If you’re using apps like Google Pay, PhonePe, or Paytm, you can disable UPI directly from the app:
1: Open the Google Pay app.
2: Tap on your profile picture at the top right.
3: Go to “Payment Methods.”
4: Select the linked bank account you wish to disable UPI for.
5: Tap “Remove Account” or “Deactivate UPI.”
1: Launch the PhonePe app.
2: Go to the “My Money” section.
3: Tap on “Bank Accounts.”
4: Select the account you wish to disable UPI for.
5: Click on “Unlink Bank Account.”
Read More:: What is UPI Reference Number?
1: Open the Paytm app.
2: Go to the “Profile” section.
3: Select “UPI Linked Bank Accounts.”
4: Tap on the bank account and choose “Remove Account.”
Some banks offer the option to block UPI through SMS or internet banking.
1: Send an SMS to your bank’s designated number with the required format to disable UPI. For example:
2: For Axis Bank, send “BLOCK UPI” to their SMS banking number.
1: Log in to your bank’s internet banking portal.
2: Navigate to the UPI section.
3: Select “Disable UPI” or “Block UPI” and confirm.
1: If you’re unable to block UPI using the methods above, visit your bank’s branch.
2: Carry a valid ID proof and your registered mobile number.
3: Request the bank staff to disable UPI services for your account.
Read More:: How to Change UPI PIN in Google Pay
The Unified Payments Interface (UPI) has revolutionized digital transactions in India. It is a quick, seamless, and secure method of transferring money. However, in cases of fraud, loss of mobile phones, or unauthorized transactions, it becomes essential to block your UPI account immediately. Blocking UPI access is the first step to securing your finances, but it is not the end of the process. Several precautions must follow to ensure complete security.
After blocking your UPI account, inform your bank immediately. Banks often have dedicated customer care lines to handle such issues. Share all relevant details, such as the reason for blocking the UPI and any suspicious transactions, to ensure they take the necessary action. Banks may also monitor your account for unauthorized activities and temporarily freeze other services if required.
Blocking UPI does not automatically secure your bank accounts or other linked apps. Change the login credentials and PINs of all linked accounts. Use strong, unique passwords that combine uppercase, lowercase, numbers, and special characters to make them hard to crack.
Read More:: How to Reset UPI PIN
If your UPI ID was linked to multiple apps, ensure it is unlinked from those platforms. This includes e-commerce websites, subscription services, or digital wallets that might have stored your UPI details for future transactions. This step ensures that even if someone accesses your account, they cannot misuse it for transactions through these platforms.
Regularly check your bank statements for any unauthorized or suspicious transactions. Fraudulent activities often go unnoticed when they involve small amounts. By carefully monitoring your statements, you can spot any irregularities early and report them to your bank for swift action.
If you suspect fraudulent activity, file a complaint with the cybercrime department. In India, the Ministry of Home Affairs has set up a Cyber Crime Reporting Portal where users can lodge complaints related to financial fraud. Providing timely information can help authorities trace and recover your money.
After securing your accounts, update your Know Your Customer (KYC) details if necessary. This can help strengthen the verification process for your accounts and ensure additional layers of security during future transactions.
Multi-factor authentication adds an extra layer of security by requiring multiple verifications before completing a transaction. Ensure MFA is enabled on your UPI app and linked bank accounts to prevent unauthorized access.
If you blocked your UPI due to a lost or stolen phone, secure the device immediately. Inform your telecom provider to block the SIM card and prevent misuse of your mobile number. Additionally, remotely wipe your device to delete sensitive information, such as saved passwords and banking app details.
Stay informed about the latest digital safety practices. Regularly update your UPI app, avoid sharing OTPs or PINs, and refrain from clicking on suspicious links. Knowledge of these practices can protect you from falling victim to future scams.
Read More:: How to Reset UPI PIN on PhonePe
Knowing how to block UPI numbers is essential for ensuring the safety of your financial transactions. Whether it’s due to a lost phone, suspicious activity, or personal preference, disabling UPI is straightforward and can be done through your bank, UPI app, SMS, or internet banking. By following the steps outlined in this guide, you can quickly secure your UPI account and safeguard your finances. Always stay vigilant and take proactive measures to protect your digital payments from potential threats. If you’ve found this article helpful, make sure to share it with others who might benefit from learning how to disable UPI or block their UPI numbers for enhanced security.
1. Can I temporarily block UPI services?
Yes, most banks and apps allow users to temporarily disable UPI services. You can reactivate them when needed.
2. Is there a fee for disabling UPI?
No, banks and UPI apps do not charge a fee for blocking or disabling UPI services.
3. What happens to my linked bank accounts after disabling UPI?
Your linked bank accounts will remain active, but you won’t be able to perform UPI transactions until you reactivate the service.
4. How long does it take to block UPI?
Blocking UPI is usually instant if done through an app or SMS. If you visit a bank branch, it may take a few hours.
5. Can I use other payment methods after disabling UPI?
Yes, you can use other payment methods like NEFT, IMPS, or debit cards even after disabling UPI.
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