PhonePe has made digital payments extremely convenient by integrating UPI for quick, round-the-clock money transfers. However, for secure transactions, you need to set a UPI PIN which acts like a virtual signature. This UPI PIN authorizes and authenticates all payments from your bank account through PhonePe.

For safety reasons, it is advisable to periodically change your BHIM UPI PIN every now and then. This article provides a detailed guide on how to easily change your existing PhonePe BHIM UPI PIN directly through the app with step-by-step instructions. It also covers the process of resetting your forgotten UPI PIN.

Overview of BHIM UPI And its Key Features

How to Change BHIM UPI PIN in PhonePe

BHIM UPI (Unified Payments Interface) is an instant real-time payment system developed by NPCI (National Payments Corporation of India). It facilitates inter-bank transactions using a virtual payment address (VPA). Some major benefits of BHIM UPI are:

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  1. Instant money transfers – Transfer money instantly 24/7 between any two bank accounts linked to UPI.
  2. Single mobile app – Make seamless payments using a single UPI-enabled app like PhonePe, Google Pay, etc.
  3. Secure transactions – Transactions are secured with UPI PIN authorization for authenticity.
  4. Simpler payments – Just use VPA instead of remembering bank details for transfers.
  5. Wider reach – Make QR code-based payments to those without UPI.
  6. Cashback offers – Attractive cashback and discounts available on UPI payments.
  7. Digital trail – Transactions done via UPI leave a digital trail useful for tracking expenses.

Overall, BHIM UPI offers a convenient, instant, and secure way to make digital payments and money transfers directly between bank accounts.

How To Set Up a UPI PIN on PhonePe?

For new PhonePe users when you sign up on PhonePe and link your bank account, you need to create a 4-6 digit UPI PIN.

For existing PhonePe users the app uses your previously set UPI PIN to authorize and authenticate all your transactions. Follow these simple steps to change your existing BHIM UPI PIN on the PhonePe app:

Step 1: Open PhonePe App

  • Launch the latest version of the PhonePe app on your phone and log in using your credentials.
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Step 2: Navigate to Bank Accounts

  • From the menu, tap on the ‘My Money’ option and select your bank account.

Step 3: Tap on ‘Change’

  • In the UPI PIN section of your bank account, locate the ‘Change’ option.
How to Change UPI PIN In PhonePe Steps

Step 4: Enter the Current UPI PIN

  • Input your existing 4-6 digit UPI PIN when prompted.

Step 5: Set New UPI PIN

  • Create and enter your new 4-6 digit UPI PIN as per your preference.

Step 6: Confirm New PIN

  • Re-enter the new PIN and tap on the tick mark icon to save changes.

Your PhonePe BHIM UPI PIN will be successfully changed! The process is quick and convenient.

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How to Reset Forgotten PIN On PhonePe?

If you have forgotten your UPI PIN, follow these steps to reset it on PhonePe:

Step 1: Open the App and Account

  • In the PhonePe app, open the bank account whose PIN you want to reset.

Step 2: Tap ‘Reset’ Option

  • Locate the ‘Reset’ option in the UPI PIN section of your bank.
How to Change UPI PIN In PhonePe Guide

Step 3: Enter Card Information

  • Input the last 6 digits and expiry date of your linked debit card.
How to Change UPI PIN In PhonePe Methods

Step 4: Enter OTP

  • Enter the OTP received on your registered mobile number.

Step 5: Create a New UPI PIN

  • Set a new 4-6 digit UPI PIN according to your preference.

This completes the process to conveniently reset your forgotten PhonePe UPI PIN. Follow it only when required.


We hope we were able to help you with changing your BHIM UPI PIN in Phonepe! The process is hassle-free. Changing your UPI PIN frequently will be beneficial for you to keep your account safe. Just make sure to not share it with anyone.

If you have any doubts then feel free to drop in the comments section below. Need more content like this? Then stay tuned with us. We will keep coming back with more comprehensive and informative content like this in the future. 

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