January 7, 2025 · 11 mins read
Santosh Kumar
Digital finance has turned the tables on transactions and the Unified Payments Interface (UPI) has been the frontrunner in this metamorphosis. UPI enables users to make fast money transfers, pay by mail and provide payments for shopping on the Internet all carried out from mobile devices. PhonePe is one of the most used mobile applications in India for payment by Unified Payments Interface (UPI). It provides people with the means to conduct financial transactions and banking operations directly from cell phones without interruption.
UPI PIN (Personal Identification Number) is required to authorise payment transactions on the UPI platforms (e.g., PhonePe). UPI PIN routines are also exploited for verification and authentication of financial transactions, thus for security reasons. It has to be requested every time you make a money transfer, a bill payment, or a purchase. But what if you need to update your UPI PIN and you don't have your debit card with you? It is a widely held notion that you would require a debit card in order to change your UPI PIN, but that is wrong. This article will guide you step by step on how to change your UPI PIN in PhonePe without needing a debit card.
Before we discuss how to reconfigure your UPI PIN, we describe what an UPI PIN is and why one needs to be configured.
The UPI PIN is a 4-6digit code, which is set by the user at the time that the user first attaches his/her bank account to a UPI-compatible app such as PhonePe. It is a password for authentication of transactions and to stop others from accessing your account without permission. You use this PIN to authenticate all buying, including making a transfer or buying a good and service. Without the UPI PIN, you cannot complete any payment.
A secure and stable UPI PIN is the merit that your financial transactions are secure. Maintaining the confidentiality of your UPI PIN, and refrain from disclosing it to anyone.
Read More:: How to Do Offline UPI Payment
There are reasons why you might have to change your UPI PIN in PhonePe: .
Security Concerns: If you suspect that your UPI PIN has been stolen or if you have accidentally given it away to somebody else then it is advisable to change your UPI PIN the same day to safeguard your account.
Forgetfulness: If you forget your UPI PIN you will have to reset it to get access to the account again.
Personal Preference: You might wish to change your UPI PIN, for example, with the purpose of establishing a new, more secure PIN.
Phone Change or App Reinstallation: If you change your phone or reinstall the PhonePe app, you may be asked to reset your UPI PIN for security reasons.
No problem, you can change your UPI PIN in PhonePe even without using your debit card. Although some are of the view that there should be the obligation of having a debit card of UPI PIN reset, it is not necessary. It is possible to complete the process by using your mobile number and the bank account attached to your PhonePe account.
Read More:: What is UPI Reference Number?
Change UPI PIN in PhonePe Without Debit Card Step-by-Step Guide Consumers should be mindful of these measures when updating their UPI PIN.
Just follow the following simple steps to reset the UPI PIN of PhonePe without a debit card
Step 1: Open the PhonePe App
The first step you have to take is to launch the PhonePe app on your mobile phone. Ensure that you are logged into your PhonePe account. If you are not logged in please enter the username and password to login.
Step 2: Go to the 'My Money' Section
Once you’re logged in, tap on the 'My Money' section, which is usually available on the bottom menu or under your profile options. My Money" is a section providing info about your linked bank, payment methods and UPI settings.
Step 3: Select 'Bank Accounts'
Under the "My Money" section are several options such as Bank Accounts, Cards, Wallets etc. Tap on the 'Bank Accounts' option, which will show you the bank accounts that are linked to your PhonePe account.
Step 4: Choose the Bank Account from which you want to Update the UPI PIN.
In Bank Accounts, you can find an item showing all the bank accounts associated with your PhonePe account. Select the account you want to change the UPI PIN.
Step 5: Tap on 'Change UPI PIN'
Following the choice of your bank account, under the "Change UPI PIN" option, a window appears. Tap on this option to proceed. If you are accessing PhonePe for the first time or has not set up a UPI PIN yet, you will see a new UPI PIN setting option.
Step 6: Verify Your Identity
At this stage, PhonePe will request you to prove your identity before deactivating/modifying the UPI PIN. You will need to authenticate this request through the mobile number (i.e., mobile number linked to your bank account). Occasionally you might have to type an OTP (One Time Password) which will be sent to the registered mobile number.
If you have not already registered your mobile number to your bank account of UPI, there will be a request to register it in this stage.
Step 7: Enter Your New UPI PIN
Verify your identity and you will then be asked to enter a new UPI PIN. The PIN is a 4-6 digit integer which is easy to memorize for the user but hard for others to guess. Please protect your newly created UPI PIN and do not used easily guessable numbers (for example, 1234 or 0000).
Step 8: Confirm the New UPI PIN
After you have keyed in the new PIN, PhonePe will request you to verify the PIN by typing it again. This is done to ensure that you’ve typed the correct PIN and avoid any mistakes.
Step 9: Completion of UPI PIN Change
After verification of your new PIN, PhonePe will notify that your UPI PIN has been changed successfully. Now you can use this new PIN to authorise payments, fund transfers, and other UPI transactions.
Read More:: How to Change UPI PIN in Google Pay
In case you have forgotten your UPI PIN and are unable to recall it, you can easily reset it without the need for a debit card. Here’s how: Open the PhonePe app and navigate to the "Bank Accounts" list under the "My Money" section.
Select the Bank Account: Select the bank account for which you want to reset the UPI PIN.
Tap on 'Forgot UPI PIN': If you’ve forgotten your UPI PIN, there will be an option called 'Forgot UPI PIN'. Tap on this option to proceed.
Verify Your Identity: You’ll need to verify your identity using your mobile number linked to your bank account. You may be requested to provide an OTP that you have received on your mobile phone.
Create a New UPI PIN: Once your identity is verified, you will be requested to generate a fresh UPI PIN. Enter a 4-6 digit number and confirm it.
UPI PIN Reset Complete: All subsequent payments will be made using the freshly generated UPI PIN after it is successfully set up.
While it is standard to also use the debit card to verify bank account details during registration, such reset or change of UPI PIN is not necessary. The only thing you have to provide is your linked mobile number (which is linked to your bank account and used to verify your identity). Your bank information, such as your debit card, is already verified when you initially set up UPI, so there is no need to do so again with a change of PIN.
Read More:: How to Reset UPI PIN
Below are some of the common problems which users face while trying to change his/her UPI PIN in PhonePe:.
Incorrect PIN Format: Please ensure that your new UPI PIN is 4-6 digits long. If the PIN is too short or too long, there will be no need to reset it.
Incorrect OTP: If you do not receive OTP on your registered mobile no, then verify your network connectivity. You might also need to check if there is a right linkage of your mobile phone number to your bank account.
App Errors: At times, PhonePe might exhibit errors or bugs at the new UPI password creation stage. In this case, try restarting the app or updating it to the latest version.
Avoid Easy Numbers: Do not use simple sequences like 1234 or 0000. These can be easily guessed.
Use Random Numbers: Pick a PIN that is challenging for other people to guess, but easy for you to remember.
Change Your PIN Regularly: To offer further security, it is recommended to change UPI PIN from time to time.
Read More:: How to Reset UPI PIN on PhonePe
In PhonePe, it is quite simple to change your UPI PIN without a debit card. You have to wait until it has travelled through the UPI system to make any change in your UPI PIN, and that time you do not require a debit card because only your mobile number and the account that is linked to it in the mobile number is used for Verification. Irrespective of the need for updating your UPI PIN for security, due to forgetfulness or a personal preference, updating the same is easy and efficient. Following the procedure described in this article, you can conveniently change the UPI PIN in PhonePe without having to use a debit card. Just do not lose track of the fact that you must keep your PIN secret and that it should be a secret that only you can recall.
As you have now learned how to change your PhonePe UPI PIN (without a debit card), you can proceed with assurance in making payments and enjoy the benefits of digital payments.
Is it mandatory to have my mobile number linked to my bank account to change the UPI PIN in PhonePe?
Yes, your mobile number must be linked to your bank account to change or reset your UPI PIN in PhonePe. This mobile number is used for OTP-based authentication, ensuring secure PIN changes. What happens if I enter the wrong UPI PIN during the change process?
If you enter an incorrect UPI PIN when attempting to change it, PhonePe will ask you to try again. However, keep in mind the training whileouncing for your new number code. Erratic attempts may temporarily inhibit the change of PIN.
How long does the UPI PIN change process take in PhonePe?
Typically up to just a few seconds, updating your UPI PIN in PhonePe. Identity verification and the generation of a new PIN are necessary. Once completed, you can immediately use the new PIN for the transaction.
Is it possible to change the UPI PIN for more than one bank account in PhonePe?
Yes, you can reset the UPI PIN for each bank account that is associated with a PhonePe account. For each account it will be required to walk through the process of each account in the "Bank Accounts" section of the app.
Do I need to re-enter my UPI PIN for every PhonePe transaction after I change it?
Nope, but after change of UPI PIN you will always have to enter a new PIN for every transaction to authenticate and authorize the payment. For every financial transaction that you carry out on PhonePe, you will be required to enter the PIN.
Can I change my PhonePe UPI PIN multiple times?
No, but you can change your UPI PIN multiple times if needed. It is your free will to modify your PIN at any time for security, usability or any personal reason.
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