Know How to Delete UPI ID or Deactivate UPI ID

In today’s world, many people create multiple UPI IDs to manage different bank accounts or to use different payment apps. Over time, you might find yourself with several UPI IDs and decide that some of them are no longer needed. Or, perhaps you’re switching to a different UPI app and want to delete your old IDs to keep things simple and organised. Whatever the reason, deleting an old UPI ID is a practical step to avoid confusion and ensure your payment methods are streamlined. In this blog, we'll guide you through the process of permanently deleting your UPI ID, so you can stay on top of your digital payments with ease.

How To Delete UPI ID?

If you no longer want to use your UPI ID, you have a few options for deleting it. One option is to completely close your UPI account by unlinking it from the app. When you decide to use UPI again, you’ll be assigned a new UPI ID. Alternatively, you can disable the UPI service linked to your bank account by contacting your bank. This may involve submitting a formal request, and once the bank processes it, your UPI ID will be permanently removed from your account.

Some banks also allow you to manage UPI services through their Net Banking platform, which might save you some time and effort. It's always a good idea to check with your bank to see which method works best for you.

How to Delete UPI ID in Google Pay?

If you want to remove a UPI ID from Google Pay, the process is straightforward. Here’s a step-by-step guide to help you deactivate the UPI ID linked to your bank account:

• Step 1: Open the Google Pay app on your phone and log in to your account.
• Step 2: Once you're on the home screen, look for the profile picture icon at the top right corner. Tap on it to go to your profile settings.
• Step 3: In the profile menu, find and tap on ‘Bank Account.’ This will open a list of all the bank accounts linked to your Google Pay account.
• Step 4: Select the bank account for which you want to delete a UPI ID. You’ll now see all the UPI IDs associated with that account.
• Step 5: Tap on ‘Manage UPI IDs,’ and you’ll see a trash bin icon next to the UPI ID you want to delete. Tap on the trash icon to deactivate and remove the UPI ID.
• After completing these steps, the selected UPI ID will no longer be linked to your account. It's a simple process that helps keep your payment options organised.

How to Delete UPI ID in PhonePe?

To remove your UPI ID on PhonePe, follow these steps:

• Step 1: First, open the PhonePe app and tap on your profile picture, which is located on the home screen. This will take you to your account settings.
• Step 2: Next, scroll to the right to find the "Payment Methods" section. There, you’ll see a list of your linked bank accounts. If you can’t see the account you're looking for, tap on "View all Payment Methods" to bring up a complete list.
• Step 3: Once you find the bank account linked with your UPI ID, look for a small bin icon next to it. Tap on the bin icon, and your UPI ID will be deleted or deactivated from your account.

How to Delete UPI ID in PayTM?

If you want to delete your UPI ID in Paytm, follow these simple steps:

1. Open the Paytm app: Launch the Paytm app on your phone and make sure you're logged in to your account.
2. Go to your Profile: Once you're on the home screen, tap on your profile icon, which you’ll find in the top left corner of the screen.
3. Access UPI & Payment Settings: Scroll down a little, and you will see the option for “UPI & Payment Settings.” Tap on that to open the settings page.
4. Select UPI & Linked Bank Accounts: In the settings, look for the “UPI & Linked Bank Accounts” option and tap on it to proceed.
5. Choose the Bank Account: Now, you’ll see a list of all the bank accounts linked to your Paytm. Pick the bank account associated with the UPI ID you want to delete.
6. Remove the UPI ID: After selecting the bank account, you’ll find an option to “Remove” the UPI ID. Tap on it to delete the ID.
7. Confirm the Action: Paytm will ask you to confirm your choice. Click the “Confirm” button to finalise the deletion.

What Happens When You Deactivate UPI ID?

When you deactivate your UPI ID, it means you no longer have access to your virtual payment address. As a result, you can't make or receive payments through UPI-based apps, and using QR codes for transactions with merchants or friends will no longer work. However, there are still other ways to pay or transfer money, such as using mobile wallets, debit/credit cards, or services like Aadhaar Enabled Payment System (AePS). You can also rely on Internet banking features like NEFT, RTGS, or IMPS for transferring funds smoothly.

In case you suspect that someone may have gained unauthorised access to your UPI ID, banks let you block it to protect your account from fraud. But blocking your UPI ID isn't the only way to secure your account. Regularly changing your UPI PIN or using biometric authentication, such as fingerprints or face recognition, can strengthen the security of your account and prevent unauthorised access.

Make UPI Payments with Blazing Speed Using Freo

With Freo, making UPI payments is quick and easy. The app offers a seamless way to transfer money and pay bills without any hassle. You can complete your transactions in real-time, which means the money moves instantly and securely. Whether you’re sending money to friends, paying for services, or handling bills, Freo ensures a smooth experience. It’s a simple and secure way to handle your finances, giving you an upgrade to fast, real-time payments at your fingertips.