PhonePe allows users to make quick payments, transfer money, pay bills, book tickets, and more, all from their smartphone. It offers convenience and cashback on transactions. However, some users may wish to deactivate their PhonePe account due to switching to another app, changing their phone number linked to the account, if their phone is lost or having duplicate accounts.

Deactivating a PhonePe account involves first removing any bank accounts and cards linked to it. Then, the account deactivation can be initiated through the app or website. 

Once deactivated, the account cannot be restored, so users are advised to download their transaction history. This article provides a step-by-step guide on how to deactivate your PhonePe account permanently. So, let’s get started!

How To Remove A Bank Account From PhonePe?

How To Deactivate PhonePe Account

To deactivate your PhonePe account, you first need to unlink any bank accounts connected to your PhonePe profile. Follow these steps:

Also Read: How To Add Two Accounts In PhonePe (9 Easy Steps)

Step 1: Open the PhonePe app and click on the ‘My Money’ option at the bottom.

PhonePe Money Option

Step 2: On the next page, click on ‘Bank Accounts’ under the Payments section.

How To Deactivate PhonePe Account Steps

Step 3: Click on the bank account you want to remove.

How To Deactivate PhonePe Account Guide

Step 4: Scroll down the page and click on ‘Unlink Bank Account’.

Unlink PhonePe Bank Account

Step 5: Click on ‘Unlink’ on the pop-up that comes up.

Repeat these steps to unlink additional bank accounts linked to your PhonePe account.

How To Deactivate PhonePe Account In 7 Easy Steps

Once bank accounts are removed, you can proceed to deactivate the PhonePe account:

Step 1: Open the PhonePe app and tap the ‘?’ icon in the top right corner.

Delete PhonePe Account

Step 2: Go to the ‘My Account and KYC’ option on the next page.

Step 3: Tap on ‘Account-related issues’.

Step 4: Click ‘My PhonePe Account Details’.

How To Deactivate The PhonePe Account Via App

Step 5: Next, click on ‘Deleting my PhonePe account’.

Step 6: Choose ‘I want to change my PhonePe number’ or ‘I have another account’.

How To Use the PhonePe App to Delete an Account

Step 7: Click the ‘Deactivate Account’ button and confirm deactivation and that your account has zero balance

The PhonePe team will review your request in 7 days and deactivate the account.

Also Read: How To Delete PhonePe Account Permanently In 8 Easy Steps

Restoring A Deactivated Account

Restoring A Deactivated PhonePe Account

Once a PhonePe account is deactivated, it cannot be restored. All associated account data is erased from PhonePe’s servers during deactivation. You cannot reactivate the same account profile even with your registered phone number. 

To use PhonePe again after deactivating your account, you would need to create an entirely new account and profile. When deactivating, be sure to save any transaction history or account data you wish to keep for personal records. 

PhonePe cannot restore or provide data from a closed account. The deactivation process is permanent, so you will have to start fresh with a new PhonePe account if you rejoin the service.

How To Remove Credit/Debit Cards From PhonePe?

Follow these steps in the PhonePe app to unlink credit and debit cards:

Step 1: Go to ‘My Money’ and select ‘Cards’ to see your saved cards.

How To Deactivate PhonePe Account Steps

Step 2: Tap on the card you want to remove from your account.

How To Remove Credit Cards From PhonePe

Step 3: On the details screen, scroll down and tap ‘Unlink Card’.

How To Remove Cards From PhonePe

Step 4: A popup will ask you to confirm – tap ‘Unlink’ to remove the card.

Step 5: If you have two-factor authentication enabled, you may need to enter an OTP.

Step 6: Once successful, the card will disappear from your ‘My Money’ > ‘Cards’ list.

How To Remove Debit Cards From PhonePe

Repeat the above process to unlink any other cards linked to your account. You can also remove cards via the PhonePe website by going to your profile and saved cards section.

How To Use the PhonePe App to Delete an Account?

Here are step-by-step instructions to deactivate via the PhonePe mobile app:

Step 1: Open PhonePe and tap your profile icon at the bottom right.

Delete PhonePe Account

Step 2: Next, tap the Settings (gear) icon at the top right.

Step 3: Scroll down and select ‘Account Management’.

Step 4: Tap ‘Deactivate Account’ and then ‘Continue’ to proceed.

Step 5: Select your reason for deactivating, such as switching apps, duplicate accounts, etc.

Step 6: You may need to enter your PhonePe PIN for verification.

Step 7: The app will communicate your request to deactivate and remove your account.

Step 8: If any other action is needed on your part, PhonePe will send a notification on the app.

Step 9: Once confirmed, your account will be scheduled for deactivation within 7 days.

You will receive confirmation in the app once your account has been fully deactivated.

How To Deactivate PhonePe Account Via Website?

To deactivate your PhonePe account through the website:

Step 1: Go to the PhonePe website and click on ‘Support’ at the bottom.

How To Deactivate The PhonePe Account Website

Step 2: This will open the Help Center. Click on ‘Contact Us’ at the top right.

Step 3: You can now select either Email or Phone from the contact options. Provide your registered email or phone number.

Deactivate The PhonePe Account Via Website

Step 4: Explain in your message that you wish to permanently deactivate your PhonePe account. Request that it be deleted.

Step 5: The PhonePe support team may contact you via email or phone for additional verification. Provide any details requested.

Step 6: After verifying your identity, PhonePe will initiate the account deactivation process. This can take 2-3 days to fully complete.

You will receive confirmation once your PhonePe account has been successfully deactivated and removed.

Also Read: How To Delete PhonePe History In 5 Working & Easy Steps!

Important Things To Know Before Deactivation

Before starting the PhonePe account deactivation process, there are some important preparatory steps you should take:

  • Transfer any wallet balance to your bank account or use it for payments within PhonePe. Deactivation will erase any unused balance.
  • Thoroughly remove all bank accounts connected to your profile. Go to ‘My Money’ > ‘Bank Accounts’ and unlink all accounts one by one.
  • Download a copy of your PhonePe transaction history for your records. You can find this under ‘Accounts’ > ‘Transaction History’.
  • Delete your transaction history within PhonePe for privacy. You can select multiple transactions and delete them at once.
  • Make sure you have removed all credit and debit cards linked to your account. Like bank accounts, go to ‘My Money’ > ‘Cards’ and unlink them.
  • Cancel any pending payments or subscriptions set up through PhonePe to avoid disruptions.

Completing these steps will ensure there are no hangups during the account deletion process.


Deactivating your PhonePe account is a quite simple process. Before proceeding, kindly note that it will be permanent. All you have to do is follow the step-by-step guide above to unlink bank accounts, delete transaction history, and initiate account deactivation via the app or website.

Make sure to save any data you want to retain before starting the process. With a few clicks, you’re all set for the deactivation. Need more content like this? Stay tuned with us!

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