Do you also wonder about that unique PIN code that usually appears whenever you are about to make a transaction? Well, it is known as UPI pin, which stands as a pivotal element in the realm of digital payments, offering a secure and personalized authentication for financial transactions. From seamless fund transfers to secure bill payments, the UPI PIN plays a crucial role in verifying the legitimacy of your digital transactions. In the following sections, delve into the steps of how to change UPI PIN, its role in safeguarding transactions, and the steps involved in its creation and modification. Table of Contents
Importance of UPI PIN
Do you want to know why UPI PINs are so important? Well, the reason is that it holds a special power through which you can secure your digital payment accounts and safely make multiple transactions. Isn’t that great? So now that you know how to reset 6 digit UPI PIN, you must also know more about the importance of UPI PIN; let’s dive into the points mentioned below.
Secure Authentication: The UPI PIN serves as a secure authentication method for financial transactions. It acts as a personal key, ensuring that only authorized users can initiate transactions using UPI-enabled services.
Confidentiality: The PIN ensures the confidentiality of financial transactions by adding an extra layer of security. Without the correct UPI PIN, unauthorized access to your digital payment accounts is prevented.
Enhanced Security Features: The UPI PIN complements other security features in digital payment applications, creating a robust defence against phishing, fraud, or unauthorized transactions.
Customization and Personalization: Users have the flexibility to set their own UPI PIN, adding a layer of personalization to the security process. This allows individuals to choose a PIN that is easy to remember yet challenging for others to guess.
Special qualities of UPI PIN
Whether you are transacting online money for the first time or have been using digital payment apps for ages, you must have come across the UPI PIN setup. This step is considered extremely crucial as without this, you can’t complete the procedure of transferring the money. To get a deeper knowledge of what the UPI PIN does and its special qualities and characteristics, you must read the following points.
Numeric Format: UPI PINs consist of a numeric format, with users required to enter a series of digits during transaction authentication. The numeric nature simplifies the input process while maintaining security.
User-Defined: Users have the autonomy to set their UPI PIN, allowing them to choose a combination that is easy to remember while remaining confidential. This self-selection process adds an element of user involvement in the security setup.
Transaction Authorization: The primary function of the UPI PIN is to authorize and authenticate financial transactions. It acts as a secure key to validate the user’s identity before processing fund transfers or payments.
Secured Encryption: UPI PINs are encrypted and stored securely within the digital payment system. This encryption ensures that the PIN remains confidential and is not susceptible to unauthorized access.
Reasons to Change UPI PIN
Usually, digital payments are easy to use, but there are times when you need to change your UPI Pins for security reasons. You have to be extra cautious and know the exact reasons for changing the UPI PIN of your digital payment accounts. In the following section, you will see some of the reasons why you should change the UPI PIN occasionally.
Enhanced Security: Regularly changing your UPI PIN adds an extra layer of security to your digital transactions. It reduces the risk of unauthorized access to your account by individuals who may have gained knowledge of your previous PIN.
Protection Against Unauthorized Transactions: Changing your UPI PIN helps safeguard your account from potential fraud or unauthorized transactions. If your PIN has been compromised, changing it promptly prevents unauthorized users from accessing your funds.
Mitigation of Security Risks: Cyber threats and hacking techniques constantly evolve. Changing your UPI PIN periodically helps mitigate the risks associated with emerging security threats and ensures that your account remains secure against evolving cyber threats.
Prevention of PIN Memorization: If you suspect that someone may have gained access to your UPI PIN, changing it promptly prevents them from memorizing the code and using it for unauthorized transactions in the future.
Loss or Theft of Mobile Device: In case your mobile device is lost or stolen, changing your UPI PIN immediately can prevent potential misuse of your digital payment accounts. It ensures that even if your device falls into the wrong hands, the PIN remains secure.
Compliance with Best Practices: Following best practices in digital security includes changing passwords and PINs regularly. It aligns with general cybersecurity recommendations to maintain a proactive approach to protecting sensitive information.
How to Change Upi Pin in Different Applications
Now that you know that there are multiple applications available online that help you to transfer your money with UPI PIN authentication, do you know how these applications work or how to change UPI password for better and safer money transfer? If not, then the following section will surely figure that out for you. Go through the details written below and find the steps of different applications to learn how to change UPI PIN without Aadhar card or debit card.
1. Phonepe
1. Change UPI PIN in Phonepe
If you are in doubt about whether you accidentally revealed your UPI PIN to a friend or maybe a stranger. In that case, you don’t have to worry anymore as you can quickly change your UPI PIN in Phonepe without any documents or other hassles. Here are the steps you must follow in order to change UPI PIN in Phonepe. Have a look!
- Access your bank account by tapping on your profile icon within the PhonePe app.
- Go to the “Change UPI PIN” option.
- Type your current UPI PIN to proceed.
- Set your new UPI PIN in the given field.
- Confirm your new UPI PIN by entering it again.
- Complete the process by selecting the blue tick mark in the bottom right corner.
- Congratulations, your UPI PIN has been successfully updated!
2. Reset UPI PIN in PhonePe
If you use apps like Phonepe, then you might need methods to Reset your UPI PIN for obvious security and safety reasons. By changing it regularly, you add an extra layer of protection against any potential threats or fraudsters trying to access your account. So, let’s dive into how easy it is to keep your money safe with PhonePe by changing your UPI PIN.
Using a Debit card
If you want to know how to reset UPI PIN, then PhonePe is one of the best applications. Try changing your UPI PIN in PhonePe with the help of a Debit card and keep your transactions safe and secure.
- Open the PhonePe app on your mobile device and log in with your credentials.
- On the home screen, tap on your profile icon in the top left corner.
- From the menu, select “Bank Accounts.”
- Under the linked bank account for which you want to change the UPI PIN, tap on the “Reset UPI PIN” option.
- If prompted, enter your existing UPI PIN for verification.
- You see an option to change the UPI PIN using a debit card. Select this option.
- Enter the last six digits of your debit card and its expiry date.
- An OTP (One-Time Password) will be sent to your registered mobile number.
- Enter the OTP for verification.
- Once verified, you’ll be prompted to enter a new UPI PIN.
- Choose a secure PIN that you can remember.
- Re-enter the new UPI PIN to confirm.
- After confirmation, your UPI PIN will be successfully changed.
Reset UPI PIN in PhonePe using an Aadhaar card
This is yet another method through which you can learn how to reset the 4 digit UPI PIN. All you need is your Aadhaar card, and follow the steps written below. You can use this method to reset UPI PIN without debit card.
- Open the PhonePe app.
- Tap on your profile picture on the home screen.
- Select “Bank Accounts” and choose the bank account whose UPI PIN you want to change.
- You’ll see a “Reset” option next to “UPI PIN.” Tap on it.
- Choose “Aadhaar number linked with bank” as the method for verification.
- Enter the last six digits of your Aadhaar card number and click “Proceed.”
- You’ll receive two OTPs, one from your bank and one from UIDAI (Aadhaar). Enter both OTPs in the app.
- Create a new 6-digit UPI PIN and confirm it.
- Your UPI PIN will be changed.
2. Google Pay
1. How to Change Upi Pin Through Google Pay
If you are currently stuck on how to change 6 digit UPI PIN in Google Pay, then you would be glad to read the following steps. With these instructions, it will be much easier for you to make your transactions safely.
- Open the Google Pay app on your mobile device and log in to your account.
- Look for the profile option. It is represented by your profile picture or initials in the app.
- In the settings, find the Payment Methods” section.
- Locate the linked bank account for which you want to change the UPI PIN.
- There will be an option “Forgot UPI PIN.” Tap on it.
- The app will need the current UPI PIN for verification.
- After verifying the current PIN, you can set a new UPI PIN.
2. Reset UPI in Google Pay
Sometimes, you wish to reset your Google Pay UPI PIN but don’t know how to do it. Well, it’s finally time for you to upgrade your Google Pay application and reset it with the digits you want. So, without thinking twice, read out the following steps and keep your transactions safe and smooth on Google Pay. Let’s get started!
- Install and open the Google Pay app on your smartphone.
- Tap on your profile photo located in the top right corner.
- Select the “Bank account” option from the menu.
- Choose the specific bank account you wish to update.
- Tap on the three dots menu icon and locate the “Change UPI PIN” option.
- Select “Change UPI PIN” and input your current UPI PIN. Then proceed.
- Enter your new UPI PIN and confirm it.
- Complete the process by re-entering the new UPI PIN and confirming the changes.
3. Paytm
1. Change UPI PIN in Paytm
You can now frequently change your UPI PIN in Paytm frequently by just following the simple steps written below and keep your savings safe in your account.
- Open the Paytm UPI app on your internet-enabled smartphone.
- Navigate to the top left corner and select your profile picture or initials.
- Scroll down on the new page and tap on “Payment Settings.”
- Select the option “UPI and Linked Bank Accounts” on the next page.
- Choose the bank account for which you want to change the PIN by tapping on “Change PIN.”
- Select “I remember my old UPI PIN” and enter your old PIN.
- Enter your new 4-digit PIN, re-enter it for confirmation, and click on “Confirm.”
2. Reset UPI PIN in Paytm
Paytm is one of the most frequently used apps for money transferring and other things related to online payment. You can easily change your UPI PIN in Paytm by following these steps.
- Open Paytm app
- Click on “Profile Pic” in the left corner
- Click on the “UPI & Paytm settings” option
- Now you see the “Payment Accounts” section
- Click on the bank in which you want to know how to reset 4 digit UPI pin
- Now you see the “ change UPI PIN”
- Click on “change” option
- Provide your “debit card” or “Aadhar card” details to change your UPI pin
- And enter the details of your “Aadhaar card” or “debit card.”
4. Change UPI PIN in Amazon Pay
Whether you are newly introduced to Amazon Pay or already know how to use it, in both situations, you might not know how to change UPI PIN in Amazon Pay. The process is extremely easy and includes only a few steps to make a secure transaction through your Amazon Pay account. Give it a shot by following the steps written below.
- Open the Amazon app and navigate to Amazon Pay.
- Tap on “Amazon Pay UPI” to proceed.
- Scroll down and select your linked bank account.
- Choose the option “Change UPI PIN.”
- Input a new 4-digit UPI PIN.
Applications That Use UPI Pin to Authenticate a Fund Transfer
The digital world is growing rapidly when it comes to online payments and money transactions. With UPI PIN, you can use the apps more securely and safely. Here is the list of apps that use UPI PIN to authenticate a fund transfer. Let’s get started!
- BHIM app
- Paytm
- BHIM SBI Pay
- BHIM PNB
- Google Pay
- Phonepe
- Cred
In the era of online scams and thefts, ensuring the safety of your online money is not an easy task, but with the help of UPI PINs, you can now ensure a hassle-free and smooth transaction of money with all online payment apps. Whether you use PhonePe or Google Pay to transfer your money, the UPI PIN will help you keep your transactions safe and protected. So what are you waiting for? Learn how to change 4 digit UPI PIN and ensure secured online payment transactions now.
FAQS
Q1. How to change your UPI PIN without a debit card?
Ans. You can learn how to change UPI PIN in any online payment application without using a debit card with the following steps:
- Launch the PhonePe application on your device.
- Navigate to your profile picture on the app’s home screen.
- Choose the “Bank Accounts” option and select the specific bank account for UPI PIN modification.
- Look for the “Reset” option adjacent to “UPI PIN” and tap on it.
- Opt for “Aadhaar number linked with bank” as the verification method.
- Input the last six digits of your Aadhaar card number and click “Proceed.”
- Two OTPs will be sent, one from your bank and another from UIDAI (Aadhaar). Enter both OTPs in the app.
- Create a new 6-digit UPI PIN and confirm the selection.
Q2. How much does UPI charge for money transactions?
Ans. You don’t have to pay any additional charges for money transactions through UPI in any application; it’s absolutely free of cost.
Q3. What is the UPI transaction limit in a day?
Ans. The UPI transaction limit in a day is Rs. 1 lakh.
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