How to Change UPI PIN?

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You create this code when you first add your bank account in a UPI app. After that, the same code works in other UPI apps for that bank account. It is not the same as the PIN of your ATM card. It is also not the MPIN you use to open your bank’s app. Banks and apps never let their staff see this code. They will never call or message you asking for it.

If you put the wrong code three times one after another, most banks stop UPI transfers from that account for about 24 hours. So it helps to either remember the code or know how to to change UPI PIN.

How to Change UPI PIN Using a UPI App?

These steps work when you still know the old PIN and only want to put a new one.

1. Open your UPI payment app.
2. Now tap on your profile picture at the top of the screen.
3. Go to the section that shows Bank Accounts.
4. Select the bank account you want to update.
5. Tap the option that says Change UPI PIN.
6. Type your old PIN.
7. Next, you’ll be asked for entering the new PIN that you’d want to set.
8. Enter the same again and then you’re good to go.

The new code starts working at once. You usually get a message on your phone saying it is done. After this, always use the new code for payments from that account.

What If You Forgot Your UPI PIN?

Lots of people forget their PIN. You can still make a new one. NPCI has also introduced UIDAI Face Authentication as a way to set or reset your UPI PIN, instead of using a debit card or Aadhaar OTP. This is rolling out gradually across banks and apps, so it may not be available for everyone yet.

There are two main ways:

How to Reset it With Debit Card?

This way works for most people. Keep your debit card nearby.

1. Open your UPI app and tap your profile picture.
2. Go to Bank Accounts and select your bank.
3. Tap Forgot UPI PIN or Reset PIN.
4. Choose the debit card option.
5. Type the last six numbers printed on your debit card.
6. Type the expiry date shown on the card.
7. You’ll get an OTP on your registered mobile number from the bank. Type that code into the app.
8. Type your new UPI PIN twice to save it.

When you finish, the new PIN is ready right away. You can use it for payments at once.

How to Reset it With Aadhaar card?

Some of the banks allow you to make a new PIN without the debit card, but your Aadhaar must be linked to your bank account, and the mobile number registered with your Aadhaar must be the same as your bank’s mobile number.

The feature may not be visible on all the banks; hence, you need to check on your screen accordingly.

1. Go to the Bank Accounts section in your app.
2. Select your bank account.
3. Tap Forgot UPI PIN or Reset PIN.
4. Choose the Aadhaar card option.
5. Type the first six numbers of your Aadhaar card.
6. You will get two OTPs by text message. One is from Aadhaar and one is from your bank. Type both codes into the app.
7. Type your new UPI PIN twice to save it.

After these steps, the new PIN is active.

Tips to Keep Your UPI PIN Safe

• Never tell your UPI PIN to anyone. Not family, not friends, not people who say they are from a bank or app. Real staff never ask for it.
• Try not to use an easily guessable code here such as 1234 or 0000, your birth year, last few digits of your phone number etc.
• Also ensure that your UPI and ATM PINs are different.
• Try changing your UPI PIN every few months and immediately change it if you feel it’s been compromised.
• Type the PIN only on the official screen inside your trusted UPI app. Never type it on links that come in messages or emails.
• Do not write the PIN on paper. Do not keep it in phone notes that others can open.

Mistakes to Avoid While Changing UPI PIN

One big mistake is using the same PIN for UPI and ATM. If someone learns one, the other becomes unsafe too. Another mistake is typing the PIN when someone is standing close and can see the screen. Turn away or cover the screen with your hand.

Some people forget to check if the change worked. Always test the new PIN by sending ₹1 to yourself or to someone you know. If the steps get stuck in the middle, stop repeating the same wrong details. Wait a bit or try the other way.

Never open messages that say your UPI PIN has expired and ask you to click a link. Those are almost always fake. Open the app yourself and follow the right steps. Knowing how to change UPI PIN? the proper way helps you stay clear of these problems.

Conclusion

Making a new UPI PIN or resetting the old one takes only a few minutes. It also gives you peace of mind. You can do it when you remember the old code or when you need to start fresh with debit card or Aadhaar details. The steps stay easy and work the same in most UPI apps. Create a strong password; one that’s hard for others to guess but easy for you to recall. Be sure to keep this private and change it when necessary. Doing this small thing protects your money.

FAQs

How do I change my 6 digit UPI PIN to 4 digit? 

When you make a new PIN, just type 4 numbers. But this only works if your bank allows it. Some banks make you use 6 numbers.

How to reset pin if forgot? 

Tap this option, ‘forgot pin.’ Your app would ask for some basic info like your Debit Card or Aadhaar no., to validate that you are the actual owner of that account and after that you’d be able to create a new pin.

Is it safe to reset my UPI PIN online? 

Yes, it is safe but make sure that you are doing this thing into your actual payment application only.

Can I have multiple UPI PINs? 

Yes. Every bank account you add gets its own separate PIN.

Can I see my UPI PIN? 

No,it will hide itself from your eye to keep your money save and all you need to do when you forgot it is just create a new pin again.

How to reset UPI pin in gpay without atm card? 

Pick the Aadhaar option on the screen. This works as long as your bank allows it and your Aadhaar is linked.

How many times can I change my UPI PIN? 

As many times as you want. There is no limit.

Are UPI pin and gpay pin the same?

No, they are different. The Google Pay PIN is just to open the app on your phone. The UPI PIN is the code you use to actually send money.

What if someone knows my UPI PIN? 

Open your app and change it right away. Once you change it, the old one will not work anymore.

Can UPI PIN and ATM PIN be different? 

Yes. It is actually much safer to make them different.