How to reset or change your UPI PIN securely? A step-by-step guide

Unified Payments Interface (UPI) has transformed digital banking by enabling seamless and instant fund transfers. With just a few taps on your mobile device, you can send and receive money securely without needing to enter lengthy bank details. A key security feature of UPI is the UPI PIN, a 4 or 6-digit code required to authorise every transaction.

There are several instances where you may need to change your UPI PIN, whether you have forgotten your PIN, suspect unauthorised access, or simply want to update it for enhanced security. Knowing how to reset your UPI PIN ensures uninterrupted access to digital transactions and protects your account from fraud.

What is a UPI PIN?
 

A UPI PIN (Unified Payments Interface Personal Identification Number) is a security code that authorises UPI transactions. This PIN is linked to your bank account and is required every time you transfer money, pay a merchant or check your account balance through a UPI-enabled app.

A UPI PIN typically consists of 4 or 6 digits, depending on your bank’s guidelines. It ensures that only the authorised account holder can approve transactions, adding an extra layer of security to digital payments.

How to change the UPI PIN?
 

For security reasons, you must change your UPI PIN from time to time. For most apps, the process is similar. Here is what you need to do in order to change your UPI PIN.

For IDFC FIRST Bank mobile app
 

1. Open the IDFC FIRST Bank mobile banking app.
2. Go to the UPI section and select ‘Manage UPI’.
3. Click on ‘Change UPI PIN’.
4. Enter your old UPI PIN to verify your account.
5. Once done, you will be asked to enter the new UPI pin.
6. After entering new pin, you need to re-enter it to confirm.
7. The new UPI pin will now be set for payments.
8. You will receive a confirmation of the PIN change via SMS and e-mail.  

For other UPI payment apps
 

1. Open your UPI payment app and navigate to the profile section.
2. In the profile section, tap on the ‘Bank Account’ option.
3. Choose the bank account for which you wish to change your UPI pin.
4. In the UPI PIN option, select ‘Change UPI PIN’.
5. Enter the old UPI PIN to verify your account.
6. Set a new UPI PIN and confirm it.

Your new UPI PIN will be set, and you will receive a confirmation via SMS and e-mail.

How to reset UPI PIN?
 

Sometimes, you may forget your UPI PIN and would need to reset it to use the payment service. The process of  resetting a UPI PIN varies across different UPI apps. Here’s a step-by-step guide for some of the most used apps:

1. IDFC FIRST Bank Mobile App
 

1. Open the IDFC FIRST Bank Mobile Banking App.
2. Go to the UPI section and select Manage UPI.
3. Click on Forgot UPI PIN .
4. Select the linked bank account for which you want to reset the PIN.
5. Enter your debit card details (last six digits and expiry date).
6. Verify using OTP received on your registered mobile number.
7. Set a new UPI PIN and confirm it.
8. Your new PIN is now set, and you can continue using UPI services securely.

2. PhonePe
 

1. Open the PhonePe app and tap on your profile icon.
2. Select Bank Accounts under Payment Methods.
3. Choose the bank account and tap on Reset UPI PIN.
4. Enter the last six digits of your debit card and the expiry date.
5. Verify via OTP sent to your registered mobile number.
6. Set a new UPI PIN and confirm.

3. Google Pay
 

1. Open Google Pay and tap on your profile icon.
2. Select Bank Account and choose the linked account.
3. Click on Forgot UPI PIN.
4. Enter your debit card details and verify with OTP.
5. Set a new UPI PIN and confirm.

4. BHIM UPI
 

1. Open the BHIM UPI app.
2. Tap on Bank Account and choose the account.
3. Click on Reset UPI PIN.
4. Enter your debit card details and verify via OTP.
5. Set and confirm a new UPI PIN.

5. Paytm
 

1. Open the Paytm app and go to the UPI & Payment Settings.
2. Select Forgot UPI PIN and choose your bank account.
3. Enter your debit card details.
4. Verify via OTP sent to your registered mobile number.
5. Set and confirm a new UPI PIN.

Benefits of setting up UPI with an IDFC FIRST Bank Savings Account
 

Using UPI with an IDFC FIRST Bank Savings Account offers several advantages:

• Seamless integration: Easily link your savings account with any UPI app.
• Zero-fee banking and transactions: Enjoy secure, free transactions without hidden charges including zero fees on all common savings account services.
• Competitive interest rates: Earn attractive interest on your IDFC FIRST Bank Savings Account balance.
• Monthly interest payouts: Get monthly interest credited to your account for better cash flow.
• Unlimited ATM withdrawals: Enjoy unlimited free withdrawals across ATMs in India.
• Secure banking: Advanced encryption ensures that your account remains protected.

Conclusion
 

Your UPI PIN plays a crucial role in securing your digital transactions. Whether you need to change, reset, or set a new UPI PIN, knowing the right steps ensures uninterrupted access to seamless banking. Using IDFC FIRST Bank’s Savings Account with UPI enhances your digital banking experience with secure, quick, and hassle-free transactions.

If you haven’t linked your IDFC FIRST Bank Savings Account to UPI yet, now is the perfect time to do so and enjoy effortless digital banking.