PhonePe allows seamless linking of multiple bank accounts to your profile. The primary account in PhonePe refers to the default bank account linked to your profile. You can set one account as the primary account to enable smooth transactions by default.

It is used automatically for sending or receiving payments via PhonePe! All PhonePe debit and credit transactions happen via primary account by default. It is set when you link and add multiple bank accounts to your PhonePe profile.

So, in essence, the primary account is the main payment account used across your PhonePe app and transactions. This article provides a detailed, step-by-step guide to changing your primary account on PhonePe easily.

Why Do You You Need to Change PhonePe Primary Account?

How To Change Primary Account in PhonePe?

There are several common situations when you may need to change and update the primary account configured on your PhonePe app:

Also Read: How To Remove A Bank Account From PhonePe In 5 Easy Steps

1. Switching Primary Bank

  • When you change your salary account to another bank.
  • If your existing primary bank offers poor services and you want to switch to a better bank.

2. Updating Account Details

  • To correct any errors made in existing primary account details.
  • If the debit card linked to your primary account has expired recently.

3. Usage of Joint Account

  • To allow family members seamless access to a joint account.
  • Setting up minor children’s accounts as primary for safety and control.

4. Temporary Usage

  • Using an alternate account as primary for a short period.
  • Switching for specific payment needs.

How to Easily Change Primary Account in PhonePe?

Before proceeding, make sure your PhonePe profile must have at least two registered and linked bank accounts. Follow these simple steps to change your configured primary account on the PhonePe app:

Step 1: Access Profile Page

  • Open the PhonePe app on your Android or iOS phone.
  • Tap on your profile icon displayed on the top left of the home screen.

Step 2: Locate the Bank Accounts Section

  • On the profile screen, scroll down to view the ‘Bank Accounts’ section.
  • Identify and note your currently set primary account here.
How to Remove a Bank Account from PhonePe Steps

Step 3: Select New Primary Account

  • Tap on the account entry you want to set as the primary account.
  • Enable the ‘Set as Primary’ option for this selected account.
How to Easily Change Primary Account in PhonePe

Step 4: Confirm Selection

  • Authenticate using your PhonePe app PIN or transaction password.
  • Accept the confirmation prompts to change the primary account.

The new primary account will now be activated instantly across your PhonePe profile.

Also Read: What Is The UTR Number In PhonePe (All You Need To Know)

Best Practices for New Primary Account

How To Change Primary Account in PhonePe Guide

Here are some tips to ensure seamless usage of your newly updated primary account!

  • Change the primary account multiple times if the situation demands without hesitation.
  • All new transactions will automatically get directed from the new primary account set.
  • Inform contacts, subscription services, and merchants about your new primary account details to avoid failures.
  • Update auto-pay instructions and SI/NACH mandates to avoid interruption of regular payments.
  • Re-authenticate apps and sites to permit debits from new accounts.
  • Check pending debits or credits switched to the new account correctly over the next few days.

Importance of Setting Primary Account

Having a designated primary account provides the following key advantages:

  1. Defines the single default bank account for all payments and transfers initiated through PhonePe.
  2. Ensures smooth transactions without needing to manually select accounts every time.
  3. Avoids confusion and mistakes in sending money from the wrong accounts.
  4. Changes to the primary accounts are reflected instantly across the PhonePe platform.
  5. Simplifies money management when integrated with multiple apps.
  6. Critical for autopay and mandates linked to PhonePe profile.
  7. Easier reconciliation with one primary account statement.

So it is highly advisable to set your most frequently used bank account as the primary account for maximum convenience.


Changing the primary account on PhonePe to another linked bank account is quick and simple. Just follow the detailed steps outlined above carefully. Use the newly selected account as the default for all payments, transfers, and transactions. Choosing the right primary account ensures smooth, convenient, and organized financial management.

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