How to Change UPI Pin? Step-by-step process

Changing your UPI PIN might sound like a technical task, but it’s quite simple once you know how. Whether you're a beginner navigating UPI apps for the first time or someone who’s forgotten their PIN, this guide will walk you through the process step by step. No jargon, no complicated terms- just clear instructions to help you manage your finances securely. Let's get started on changing your UPI PIN with ease across apps like Freo Money, Google Pay, PhonePe, and BHIM!

What is a UPI PIN?

A UPI PIN (Unified Payments Interface Personal Identification Number) is a 4 or 6-digit code that users create while setting up UPI on their preferred apps, such as Freo Money, Google Pay or PhonePe. This PIN acts as a password for confirming transactions and ensures that only the account holder can approve payments. It’s a critical security measure for all UPI-based transactions, which is why you should never share it.

The importance of the UPI PIN lies in its role as a unique identifier for each bank account. Because it's set by the user, it adds an extra layer of protection, ensuring that only the authorized person can initiate transactions. This helps reduce fraud risks, like unauthorized payments or hacking. Additionally, users can choose a PIN that's easy for them to remember, making the entire payment experience smoother.

Now, let's explore how to change or reset your UPI PIN across different apps like Freo Money, Google Pay, PhonePe, and BHIM, and how to manage it without a debit card.

How to Change UPI PIN?

Changing your UPI PIN is straightforward across most apps. Here’s a universal method that applies to many UPI apps:

1. Open your UPI application.
2. Go to the settings, typically in the top right corner, then navigate to the bank section.
3. Select the option to change the UPI PIN for the bank account you want to update.
4. Enter the last six digits of your ATM/Debit card number and its expiry date.
5. Input your current UPI PIN, then set your new UPI PIN.
6. Re-enter the new UPI PIN to confirm and complete the process.

That’s it! You’ve successfully changed your UPI PIN.

How to Change UPI PIN in Google Pay

If you use Google Pay (GPay), here’s how to change your UPI PIN:

1. Open Google Pay and tap your profile picture in the top right.
2. Tap the bank account you want to edit.
3. Tap ‘More’ and choose ‘Change UPI PIN’.
4. Enter your old UPI PIN.
5. Create a new UPI PIN and enter it again to confirm.

Once done, your new PIN will be active immediately.

How to Reset UPI PIN in Google Pay

1. Open Google Pay, tap your profile picture, and go to ‘Bank account’.
2. Select the bank account you want to edit, then tap ‘Forgot UPI PIN’.
3. Follow the instructions on the screen (you will need your debit card or Aadhaar card).

How to Change UPI PIN in PhonePe

For PhonePe users, changing your UPI PIN is just as simple:

1. Go to the ‘My Money’ page, and under ‘Payment Methods’, select ‘Bank Accounts’.
2. Choose the bank account you want to modify.
3. If you have never set a UPI PIN, tap ‘Set’, or if resetting, tap ‘Reset’.
4. Enter your Debit/ATM card details (last six digits and expiry date).
5. Input the OTP sent to your phone and set your new UPI PIN.
6. Confirm your UPI PIN to complete the process.

How to Reset UPI PIN in PhonePe

• Tap your profile picture on the PhonePe app's home screen.
• Select the bank account for which you want to reset the UPI PIN under ‘Payment Methods’.
• Tap ‘Reset’ next to UPI PIN.
• Enter your Debit/ATM card details, followed by the OTP.
• Input your new 4 or 6-digit UPI PIN and confirm.

How to Change UPI PIN in BHIM

Here’s how to change your UPI PIN in the BHIM app:

• Open the BHIM UPI app.
• Navigate to the menu and select ‘Bank Account’.
• Choose ‘Reset UPI PIN’ and enter the last six digits of your debit card and the expiry date.
• Enter the OTP sent to your registered mobile number.
• Set and confirm your new UPI PIN.

Your UPI PIN will be successfully changed in BHIM!

How to Change UPI PIN Without Debit Card

If you don’t have a debit card, you can still reset your UPI PIN using Aadhaar-based authentication in some apps:

• Go to the payment methods section of your UPI app.
• Select UPI and choose Aadhaar-based authentication.
• Verify your identity using OTPs from your bank and UIDAI.
• Reset your UPI PIN and confirm it.

With these easy steps, you can confidently manage your UPI PIN and ensure a secure digital payment experience.