How to set up and manage your PhonePe UPI PIN
20 Apr 2025

In today's digital world, secure payments matter more than ever. PhonePe, a widely used payment app in India, lets you make smooth and safe transactions using UPI.

A big part of this security is the UPI PIN—it's like your transaction password. Setting it up properly helps protect your money from unauthorized access.

Whether you're new to PhonePe or just need to update your PIN, here's a simple step-by-step guide to enable or manage your UPI PIN.

Downloading the PhonePe app and linking your bank account
App installation

To start using PhonePe's services, download the app from your device's app store. After installation, open the app and register via your mobile number linked to your bank account.

Once you've registered on the app, link your bank account by tapping on "To Bank & Self Account." Select your bank from the list and verify it using an SMS sent to your registered mobile number.

Setting up your UPI PIN
Pin creation

Once your bank account is linked, go ahead and set up a UPI PIN by tapping 'Set UPI Pin' under the 'Bank Accounts' section in the app.

Enter details like debit card information and expiry date when prompted.

You'll get an OTP on your registered mobile number; enter this OTP with a new four to six-digit UPI PIN of your choice.

Making secure transactions
Transaction process

With the setup done, you're ready to make secure payments.

Just go ahead and select "Pay" or "Request" on the app's interface.

For speedy transactions, enter the recipient's details or scan the QR codes.

Every payment will be confirmed with your newly created UPI PIN.

This way, your transactions will be super-fast and secure, protecting your financial activities in the best way possible.

Tips for maintaining security
Security tips

Regularly updating the PhonePe app and device software would also keep you secure.

Never share passwords or OTPs, no matter how legitimate a request may seem.

Frequently monitoring transaction history for unauthorized activity, and reporting suspicious activities immediately via official support channels within the app.

This proactive approach will keep your financial management secure, enhancing your experience and trust in PhonePe's solutions.