How to Change PhonePe UPI Id

Changing your PhonePe UPI ID can seem like a daunting task, but it’s actually quite simple once you know the steps.

Whether you want to update your ID for privacy reasons, security concerns, or just personal preference, this guide will walk you through the entire process.

PhonePe is a popular digital payments app in India that makes transactions easy and quick using the Unified Payments Interface (UPI).

Your UPI ID acts like an email address for your money, allowing you to send and receive funds without sharing your bank details.

If you’re looking to change your UPI ID on PhonePe, you’re in the right place. We’ll cover everything from why you might want to change it, to the step-by-step process of making the switch.

Plus, we’ll provide tips on troubleshooting common issues and keeping your account secure. By the end of this article, you’ll have all the knowledge you need to manage your PhonePe UPI ID with confidence and ease.

How to Change PhonePe UPI Id

A UPI ID is a unique identifier linked to your bank account. It simplifies the process of sending and receiving money.

For instance, instead of sharing your bank details, you can share your UPI ID to receive payments. This enhances both convenience and security in transactions.

There are several reasons why you might want to change your PhonePe UPI ID:

  1. Privacy Concerns: To maintain privacy, you might want to change your UPI ID if it contains personal information like your phone number or name.
  2. Security Reasons: If you suspect your UPI ID has been compromised, changing it can help protect your funds.
  3. Personal Preference: You might prefer a different UPI ID that is easier to remember or share.

Before you proceed with changing your PhonePe UPI ID, ensure you have the following:

  • PhonePe App installed on your smartphone.
  • Registered Mobile Number linked to your bank account.
  • Stable internet connection.
  • UPI PIN for verification.

Step-by-Step Guide to Changing UPI ID

Changing your PhonePe UPI ID is a straightforward process. Follow these steps:

Step 1: Open the PhonePe App

Open the PhonePe App on your smartphone. Ensure that you are logged in with your registered mobile number.

Step 2: Navigate to My Money

Tap on the “My Money” section located at the bottom of the screen. This section contains all your linked bank accounts and UPI IDs.

Step 3: Select UPI Bank Accounts

Under the My Money section, select “UPI Bank Accounts”. This will display all the bank accounts linked to your PhonePe account.

Step 4: Choose the Bank Account

Select the bank account for which you want to change the UPI ID.

Step 5: Edit UPI ID

Tap on the UPI ID associated with the selected bank account. You will see an option to edit or create a new UPI ID.

Step 6: Create a New UPI ID

Enter your preferred UPI ID in the given format (e.g., yourname@phonepe). Ensure the UPI ID is unique and available.

Step 7: Verify with UPI PIN

You will be prompted to enter your UPI PIN to verify the change. Enter the UPI PIN and confirm.

Step 8: Confirmation

Once the UPI PIN is verified, your new UPI ID will be active. You can start using this UPI ID for transactions immediately.

Step 1Open the PhonePe App
Step 2Navigate to My Money
Step 3Select UPI Bank Accounts
Step 4Choose the Bank Account
Step 5Edit UPI ID
Step 6Create a New UPI ID
Step 7Verify with UPI PIN
Step 8Confirmation

Troubleshooting Common Issues

While changing your PhonePe UPI ID is generally smooth, you might encounter some issues. Here are common problems and their solutions:

Issue 1: UPI ID Unavailable

Solution: If your desired UPI ID is already taken, try a different variation or add numbers to make it unique.

Issue 2: UPI PIN Not Accepted

Solution: Ensure you are entering the correct UPI PIN. If you’ve forgotten it, use the “Forgot UPI PIN” option to reset it.

Issue 3: Bank Server Errors

Solution: Sometimes, bank servers may be down. Wait for a few minutes and try again. Ensure you have a stable internet connection.

Security Tips for Managing UPI ID

Managing your UPI ID securely is crucial to protecting your financial information. Here are some tips:

Regularly Update UPI ID

Change your UPI ID periodically to enhance security and privacy.

Use Strong UPI PIN

Create a strong and unique UPI PIN. Avoid using easily guessable numbers like birthdates or repetitive digits.

Monitor Transaction History

Regularly check your transaction history in the PhonePe app for any unauthorized transactions.

Enable PhonePe App Security

Activate additional security features like fingerprint or PIN lock for accessing the PhonePe app.


Q1: How many UPI IDs can I create on PhonePe?

A: You can create multiple UPI IDs for each linked bank account.

Q2: Can I change my UPI ID multiple times?

A: Yes, you can change your UPI ID as many times as you need.

Q3: Is there any charge for changing UPI ID on PhonePe?

A: No, changing your UPI ID on PhonePe is free of charge.

Q4: What if I forget my UPI PIN?

A: You can reset your UPI PIN through the PhonePe app using your bank details and registered mobile number.

Q5: Can I use the same UPI ID on multiple devices?

A: Yes, but ensure the PhonePe app is installed and the registered mobile number is active on each device.


Changing your PhonePe UPI ID is a simple yet important step to ensure the security and privacy of your financial transactions. By following the steps outlined in this guide, you can easily manage and update your UPI ID. Remember to follow the security tips to keep your PhonePe account and transactions safe.

In conclusion, the PhonePe platform offers a convenient and secure way to handle digital payments. By staying informed and proactive, you can make the most out of your PhonePe experience and ensure your financial data remains protected.

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