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How to unlink your bank account from the UPI apps

Key Takeaways

  • UPI (Unified Payments Interface) allows seamless digital transactions by linking your bank account to payment apps.
  • You may need to unlink your bank account for reasons like switching banks, security concerns, or closing an account.
  • Different UPI apps, including Google Pay, PhonePe, Paytm, and BHIM, offer simple ways to remove a linked bank account.
  • An IDFC FIRST Bank savings account provides seamless UPI transactions, high interest rates, and digital banking features for a smooth banking experience.
27 May 2025 by Team FinFIRST
How to Unlink Bank Account from UPI Apps
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Unified Payments Interface (UPI) facilitates digital transactions by enabling instant money transfers through a smartphone. By linking your bank account to a UPI app, you can make quick payments without entering your bank details repeatedly. However, there may be instances where you need to unlink your account from a UPI app, whether for security reasons, switching banks, or closing an old account. Understanding how to delete a UPI ID permanently or remove your bank account from a UPI app ensures smooth financial management.

Why do you need to unlink your bank account?


There are several scenarios where you might need to unlink your bank account from a UPI app:

  1. Switching to a new bank:

    2. If you have opened a new bank account and no longer use the old one, unlinking it from UPI prevents unwanted activity.

  2. Lost or stolen phone:

    3. If your mobile device is lost, unlinking your bank account ensures that no unauthorised person can access your UPI-linked payments.

  3. Security concerns:

    4. If you suspect fraudulent activity or unauthorised access to your UPI account, removing your linked bank account adds a layer of security.

  4. Closing your bank account:

    5. If you are closing your existing bank account, removing it from your UPI app prevents failed transactions.

  5. Switching UPI apps:

    6. If you prefer using a different UPI app, unlinking your bank account from the old one helps streamline your digital transactions.

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How to unlink your bank account from UPI apps


Each UPI app has a slightly different process for unlinking a bank account. Here’s how you can do it on major platforms:

Google Pay
 

  1. Open the ‘Google Pay’ app and tap on your profile picture in the top right corner.
  2. Select ‘Bank Accounts’ and choose the account you want to remove.
  3. Tap on ‘Remove Account’ and confirm the action.

PhonePe
 

  1. Launch ‘PhonePe’ and tap on your profile picture.
  2. Go to ‘Bank Accounts’ and select the account you want to unlink.
  3. Click on ‘Unlink Bank Account’ and confirm.

BHIM app
 

  1. Open the ‘BHIM app’ and navigate to ‘Bank Accounts’ under settings.
  2. Select the account you want to remove and tap on ‘Delete Account’.
  3. Confirm the deletion to successfully unlink your bank account.

Paytm app
 

  1. Open the ‘Paytm’ app and go to the ‘UPI & Payment Settings’ section.
  2. Select ‘Linked Bank Accounts’ and choose the account you want to remove.
  3. Tap on ‘Unlink Account’ and confirm the removal.

If you are looking to delete your UPI ID permanently, the same process applies, as deleting your linked account automatically removes your UPI ID from that app.

Managing your UPI-linked bank accounts efficiently ensures secure and hassle-free digital transactions, preventing unauthorised access while streamlining your financial activities.

Seamless UPI transactions with IDFC FIRST Bank Savings Account


IDFC FIRST Bank offers a seamless digital banking experience with easy UPI integration. Be it Google Pay, PhonePe, BHIM, or Paytm, you can quickly link your IDFC FIRST Bank Savings Account to any UPI app for smooth transactions. The IDFC FIRST Bank mobile app also features an in-built UPI service for instant payments.

Additionally, an IDFC FIRST Bank Savings Account provides:

  • Competitive interest rates with monthly payouts to maximise earnings.
  • Zero-fee banking, ensuring no charges on savings account services.
  • Unlimited free ATM withdrawals, offering easy access to cash.
  • Robust security features to protect against fraudulent transactions.


Conclusion


Unlinking your bank account from a UPI app is a simple yet essential process to ensure financial security and smooth digital transactions. Whether you are switching banks, closing an account, or facing security concerns, knowing how to delete a UPI ID or remove your bank account ensures better control over your finances. With an IDFC FIRST Bank Savings Account, you get an effortless banking experience with secure UPI transactions, high interest rates, and zero-fee banking, making it an excellent choice for modern banking needs.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.

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