UPI
Unified Payment Interface has transformed the way we manage money transfers and payments. It’s a mobile system where you can link multiple bank accounts in one app and don’t need the other person’s account details to make payments. All you need is a UPI ID, which acts like your digital payment handle, and you're ready to go. It is fast, secure, and works in real-time, whether you are paying a friend or a business. And then when you decide you want to delete or change your UPI ID, do not fret, as it is not rocket science. Let us understand how you delete or deactivate your UPI ID on different platforms if needed.
How to Block UPI ID?
To block a UPI ID, here is the step-by-step process:
Open the app and tap on your profile picture in the top right corner.
Go to 'Bank Account' and select the account you want to manage.
View the list of UPI IDs linked to that account.
Click on 'Manage UPI IDs.'
Tap the trash icon next to the UPI ID you want to deactivate.
How To Delete UPI ID in Google Pay?
If you use Google Pay and want to delete Gpay UPI ID, follow these steps:
Open the Google Pay app and tap on your profile picture in the top right corner.
Head to 'Bank Account' from the menu and choose the account you want to manage.
You’ll see a list of UPI IDs linked to that account.
To delete a UPI ID, click 'Manage UPI IDs' and tap the trash icon next to the ID you want to remove.
How To Delete UPI ID In PhonePe?
If you use Phonepe and want to delete Phonepe UPI ID, follow these steps:
Open PhonePe and tap your profile picture on the home screen.
Go to UPI Settings under the 'Payment Management' section.
Select 'UPI Number.'
Tap the three dots next to the UPI number you want to deactivate.
Tap ‘Deactivate,’ then confirm by tapping ‘Proceed.’
How To Delete UPI Bank In Paytm?
If you use Paytm and want to delete Paytm UPI ID, follow these steps:
Open the Paytm app.
Tap on your profile in the top left corner.
Scroll down and select 'UPI & Payment Settings.'
Click on 'UPI & Linked Bank Accounts.'
Choose the bank account with the UPI ID you want to delete and tap 'Remove.'
Confirm your choice by clicking the ‘Confirm’ button.
How to Create a UPI ID in BHIM App?
If you use Paytm and want to delete BHIM UPI ID, follow these steps:
Download the BHIM app from the Google Play Store or Apple App Store.
Open the app and select your preferred language.
Allow the app to verify your mobile number via SMS. Ensure the SIM is inserted into the same device.
Set a 4-digit passcode to secure the app.
Select your bank from the list provided. The app will fetch your account details linked to your mobile number.
The app will generate your UPI ID, usually in the format mobilenumber@upi or mobilenumber@bhim.
Enter the last six digits and expiry date of your debit card to set your UPI PIN.
Once the PIN is set, your UPI ID is ready for use.
What Happens When You Deactivate UPI ID?
When you deactivate your UPI ID, you lose access to your virtual payment address, which means you can no longer send or receive payments through UPI apps or QR codes. Additionally, any ongoing transactions linked to it will stop immediately. Recipients expecting payments will be notified of the change for transparency.
You can still use other payment options like the Aadhaar Enabled Payment System (AePS), mobile wallets, debit/credit cards, and traditional Internet Banking methods like NEFT, RTGS, and IMPS for money transfers.
The safety of your financial identity can be ensured by removing unused or compromised UPI IDs.
Simplify your financial life with Freo UPI.
Download the app today and enjoy instant payments, bill payments, and more.
FAQs
How To Remove UPI From Bank Accounts Via Your Bank’s Mobile App?
You cannot delete any UPI IDs directly from your application. You can visit the bank, and inform them to delete that particular UPI ID. After processing the request, they might take some days. Once this is done, you cannot use that account to make any UPI transaction.
How To Deactivate UPI Payments In Case You Lose Your Mobile Phone?
If you lose your phone, follow these steps:
Call your network provider to block your number so no one can make transactions.
Contact your bank to remove your number from your account and turn off UPI services.
Report your lost phone to the police, which you can often do online.
Can we deactivate the UPI ID?
Yes, you can deactivate your UPI ID. The process involves unlinking your bank account from the UPI app or contacting your bank to deactivate the UPI ID.
How can I remove my number from UPI ID?
To remove your phone number from a UPI ID, you can change your Virtual Payment Address (VPA) to a custom ID that does not include your phone number. This can be done through the UPI settings in your payment app.
Can I delete my UPI ID in Google Pay?
Yes, you can delete your UPI ID in Google Pay. Simply go to your profile, navigate to ‘Bank Account,’ select the bank account associated with the UPI ID, and manage UPI IDs to delete the specific one.
What happens if we delete our UPI ID?
Deleting your UPI ID will prevent you from making or receiving transaction using that ID. You will also lose access to the transaction history associated with that UPI ID. However, you can create a new UPI ID if needed.
Naina Rajgopalan
Naina Rajgopalan has a thing for numbers and a deep fascination to learn about all things finance. She's been money-wise from a young age and has always shared her knowledge and tips with those around her. Being a part of the content team at Freo, a neobank that offers flexible and customised financial products, along with benefits such as insurance on balance, safe & secure banking, and so on, Naina stays updated with the latest of what happens in the banking and fintech industries. She has taken upon herself to share her knowledge with readers across all walks of life to help them manage their finances and budgets better, so they can make better decisions while spending, borrowing, investing and saving.
