January 16, 2025 · 12 mins read
Santosh Kumar
The rapid pace in which technological advancement is booming has made its various inventions extremely pragmatic and accessible in terms of user experience. This easy and hassle-free practicality allows normal mani to use the many boons of the web in his daily routine. Increasing digitization has thus heralded almost every aspect of our personal and professional living. One such revolutionary invention is the online transfer of money through a Unified Payment Interface. Even just a few years back, this novelty would have been hard to imagine for any software expert. But now due to extensive research and database development, this has become the new reality to transform how we had conventionally carried out financial transactions.
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. One such application is PhonePe. To understand how to delete UPI ID in PhonePe, one must first take a glance at the various features of the application.
Founded in 2015 by Sameer Nigam, Rahul Chari and Burzin Engineer; it is headquartered in Bengaluru and operates under Flipkart as its parent company. Leveraging the growing potential of UPI, PhonePe now is one the top-most used applications in India for processing digital payments. With over 500 million users, PhonePe is trusted for its ease of use and robust security features. The platform is a centralized hub for processing all payment solutions such as paying credit card bills, utility bills, booking travel tickets, availing subscriptions and for investing in mutual funds.wallets. It has been built by studying mass demographic data and thus provides extreme responsiveness and intuition for best user experience.
UPI-Based Payments: PhonePe allows to and fro payments transactions in real time under tight security. The payments are processed instantly and notified to the sender and receiver.
Bill Payments: Utility bills like electricity, water and recharges for internet connectivity and other subscriptions can be carried out seamlessly through the platform.
Insurance and Investments: The app provides options to buy insurance (health, life, motor) and invest in mutual funds, gold, and fixed deposits.
Shopping and Ticket Booking: Travel bookings and shopping charges can also bee processed through the interface thus providing all facilities at one place.
Merchant QR Payments: PhonePe payments can also be initiated by scanning the QR code thus making the entire process hassle-free and non-cumbersome.
PhonePe Wallet: The wallet feature allows users to store money for quick payments and transfers.
Multilingual Support: Accurate analysis of demographic data has been done during the development of the interface thus PhonePe offers services in various languages consequently facilitating accessibility.
Reward Programs: Cashback, scratch cards, and discount offers make transactions more rewarding.
1. Download the PhonePe app from Google Play Store (for Android users) or Apple App Store (for iOS users).
2. Complete the installation on your device and launch it.
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1. Sign Up/Log In:
- If you are a new user, register using your mobile number.
- For existing users, log in with your personal and bank account credentials.
2. To enable functionality, PhonePe requires linking your mobile number to the bank account.
3. Once the mobile number is entered in the interface, the app will confirm the same by sending an OTP(One-Time Password). Enter the received code in the field provided.
1. Navigate to the My Money section at the bottom of the app.
2. Select Bank Accounts under the “Payment Methods” category.
3. Choose the bank in which you have an account from the list of banks displayed.
4. The app will automatically fetch and display the bank account details based on the entered mobile number.
5. Select the account you wish to link. If you have multiple accounts with the same bank, choose the primary account for UPI transactions.
1. Once the account is linked, set up a UPI ID PIN for security purposes.
2. Enter the last 6 digits and the expiry date of your debit card linked to the selected bank account.
3. You will receive an OTP for verification.
4. Provide the received OTP in the prompt and then create(usually a 4 or 6-digit number). Confirm the PIN by entering it again.
5. Once the confirmation is done by double checking the UPI PIN, you can use the same for initiating all your transactions from the app.
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1. PhonePe automatically generates a default UPI ID based on your mobile number (e.g., yourmobilenumber@ybl or similar).
2. To view or customize your UPI ID:
- Go to the Profile section in the app.
- Select UPI Settings.
- Here, you can check your default UPI ID or create additional VPAs if your bank allows it.
3. If customization is supported, choose a unique VPA that’s easy to remember.
1. Do a dry run of the created UPI ID by sending or requesting a small amount.
PhonePe, as one of the leading UPI platforms, allows users to create and link UPI IDs for secure and efficient transactions. However, there are instances where users may consider deleting their UPI ID on PhonePe. Here are some common reasons:
In case you are switching to a new bank account, one must first delete UPI ID in PhonePe to ensure that no accidental transaction occurs. Also make sure that the linked UPI ID has no pending transactions as if once deleted it may be hard to retrieve the payment amount.
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Users may suspect certain discrepancies in their bank statements or threats from cybersecurity crimes. In that case, for precautionary purposes, the user may choose to delete UPI ID in PhonePe. This is especially important in cases of phone theft or a potential data breach.
Users often create multiple UPI IDs which later may prove to be very cumbersome to manage. Therefore individuals may choose to delete UPI ID in PhonePe to declutter financial statements and better manage funds and assets.
Due to certain redundancy in operation , users may choose to delete his or Paytm for their transactions.
If you decide to stop using PhonePe entirely, deleting your UPI ID is a necessary step before account deactivation. It ensures your banking details are no longer linked to the app.
Before getting to know how to delete UPI ID in PhonePe, it is important to clarify that you cannot permanently delete a UPI ID in PhonePe as UPI IDs are generated and managed by banks. However, you can disable the UPI ID associated with your PhonePe account, unlink the bank account, and stop using it on PhonePe.
Here is a step-by-step guide on how to delete your UPI ID on PhonePe. UPI IDs are linked to your bank accounts and are managed through the app for seamless payments. Keep in mind that UPI IDs cannot be deleted directly but can be disabled or removed by unlinking the associated bank account.
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**1: **Open the PhonePe app on your smartphone.
2: Log into the interface through your registered mobile number
1: Tap on the profile picture that is displayed on the top left corner of the home screen of the app.
2: Select the ‘Bank Accounts’ option under the Payment Settings section.
1: All bank accounts that have been linked to the UPI ID will be displayed.
2: Select the bank account you wish to delete.
1: Expand the selected bank account pan to view the details.
2: You will see the UPI IDs associated with the account.
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To disable or remove a UPI ID, you need to unlink the associated bank account:
1: Click on the ‘Unlink Bank Account’ button. You may find this button at the bottom of the screen.
2: A confirmation prompt will pop-up. Validate that.
3: This will remove the UPI ID(s) linked to the account from your PhonePe app. However, the UPI ID still exists on the bank’s end unless further action is taken.
If you want the UPI ID to be permanently deactivated, you need to contact your bank. Here’s how:
1. Make a visit to your bank branch or contact the customer support.
2. Apply for a request to disable the specific UPI ID.
3. Provide any required details, such as the UPI ID and registered mobile number.
Once the bank accounts have been unlinked, verify the same by checking it on your PhonePe app. The unlinked accounts will not be reflected in the list of linked bank accounts directory.
Read More:: How to Reset UPI PIN on PhonePe
For matters of privacy, one may also delete the transaction history on the app
1. Navigate to the ‘Transaction History’ section.
2. Manually delete records if the option is available (note: this depends on PhonePe’s policies).
Things to Note:
1. A removed UPI ID cannot be revoked or recovered unless linked with the bank account again.
2. Always make sure that there are no pending payments or dues associated with the UPI ID before unlinking the account.
3. Deleting a UPI ID doesn’t close your bank account; it only disables its usage in PhonePe.
Ensure that all pending transactions are settled before you delete UPI IBein PhonepE. An ongoing transaction if not fulfilled may lead to discrepancues in bank statements and even loss of funds.
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Deleting a UPI ID means losing transaction history associated with it. Ensure you download or take screenshots of crucial payment records or statements for future reference.
If you have availed the services of a UPI mandate for recurring payments, make sure you cancel that before you delete UPI ID in PhonePe. This ensures that no unauthorized payment is processed.
Your UPI ID is linked to your bank account. Ensure there’s no active link between the UPI ID and services like third-party apps, wallets, or e-commerce platforms. Update your payment details on such platforms to avoid complications.
If you encounter any issues while deleting your UPI ID, reach out to PhonePe’s customer support for assistance. This can help resolve glitches or ensure proper deletion.
Before deleting your UPI ID, ensure you have an alternative payment method ready for transactions. This could be another UPI ID, card, or cash.
Read More:: How To Change Upi Id In Paytm
To delete a UPI ID in PhonePe is a simple yet essential process for users who wish to streamline their digital payment activities or switch to a different bank or platform. Just as setting a UPI ID on PhonePe is easy, likewise deleting a UPI ID in PhonePe is a simple process free of any technical jargon or intricacies. However it is an essential process to facilitate security, improve efficiency and strategically manage funds. Thus one must have a comprehensive knowledge of how to delete UPI ID in PhonePe. One must also be mindful of common troubleshooting errors so they can be avoided for a seamless execution.
1. Can I delete my UPI ID in PhonePe?
No, UPI IDs cannot be deleted, but you can deactivate them by unlinking the linked bank account.
2. How do I unlink my bank account in PhonePe?
Go to the "Bank Accounts" section, select the account, and choose "Unlink Bank Account."
3. Will unlinking my bank account deactivate my UPI ID?
Yes, your UPI ID becomes inactive without a linked bank account.
4. Can I create a new UPI ID after unlinking my account?
Yes, you can link another bank account to create a new UPI ID.
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