How to deactivate UPI ID?

Learn how to block UPI ID linked to your bank account and manage your payments.

Key Takeaways

Deactivating UPI ID is just as easy as activating it on UPI apps.
Unlinking a bank account from UPI via UPI apps is a simple, two-step process.
The process for unlinking a bank account or disabling UPI ID is similar across all UPI apps.
You can also deactivate / block UPI ID by contacting your bank branch.
You can still make digital payments via other modes upon UPI deactivation.

Digital innovation in the banking industry has changed the way we transact today. Be it payments, fund transfers, or purchases, you can complete a host of banking tasks within a matter of clicks. All you need is your smartphone and a stable internet connection.

A major reason for such a shift in India is the digital revolution that has taken the banking industry by storm. One term that has become the buzzword in the banking and transaction industry in India is UPI. Let us understand what it is, how it works and how to deactivate UPI ID if needed.

What is UPI?

Short for Unified Payment Interface, UPI is a payment system launched by the National Payment Corporation of India (NPCI). It has added to the growth of digitalisation in India. Today, you can make payments on the go simply by linking your bank accounts to this payment system.

As a new-age payment system, UPI enables you to send and receive payments digitally on a real-time basis. UPI apps have become a typical means to make instant payments. You can link more than one bank account to a single UPI app and carry out small and big-ticket transactions seamlessly. You need not provide your account number and IFSC code to complete the linking process. All you need is your mobile number registered with the bank account (RMN) to create a UPI ID instantly. The UPI ID is your Virtual Payment Address (VPA) that others can use to send you funds, without requiring your bank account details.

Once you have created your UPI ID, you can secure it with a four- or six-digit PIN or biometrics, and conduct financial transactions like shopping, transferring funds, making payments to vendors, checking account balance, etc., within seconds. You may also check your transaction history to track your spends and view your receipts digitally on the UPI app.

How to Deregister UPI From Bank Account

Whether you are switching to a different payment method, closing your bank account, or simply wanting to enhance your financial security. Disabling UPI from your bank account can be necessary for various reasons. Here are the steps to disable UPI from your bank account:

Open your UPI app and log in.
Navigate to the settings or profile section.
Look for the option to deregister or unlink your bank account.
Confirm the deregistration to complete the process.

Always ensure to double-check the settings and confirm the deregistration to avoid any future issues. If you encounter any difficulties, reach out to your bank’s customer support for assistance.

How to Unlink UPI ID Via UPI App?

At some point, you might want to Unlink your UPI ID. You may want to close an account, move overseas, or simply stop using the UPI account altogether. Whatever your reason may be, the process to deactivate UPI is just as simple as linking it. You can unlink your bank account from the UPI ID within a few minutes. Listed below are the steps on how to unlink bank accounts from UPI apps

Login to the UPI App on which you wish to unlink the bank account.
Click on your profile and go to the UPI settings tab.
Select the bank account you wish you unlink from the UPI app.
Choose option to ‘delete' or 'Remove UPI ID ' depending on the UPI app you are using.
Click on 'confirm' to complete the process.

With these simple steps, the bank account gets unlinked from the UPI app.

The process of how to unlink a bank account from UPI works similarly for almost all UPI apps with slight variations in settings. You can easily navigate through the process irrespective of which UPI app and bank account you wish to deactivate from services. You can also reactivate the UPI app and link it to the bank account in future, without any hassles.

How to Delete UPI ID In Gpay?

Deleting a UPI ID in Google Pay is a straightforward process that can help you manage your payment methods more efficiently. Whether you have multiple UPI IDs or simply want to remove an old one, follow these steps to delete a UPI ID in Google Pay:

Open Google Pay: Launch the Google Pay app on your mobile device. Ensure you are logged in with the account associated with the UPI ID you wish to delete.
Access Your Profile: Tap on your profile picture icon located at the top right corner of the home screen. This will take you to your account settings.
Navigate to Bank Accounts: In the account settings, select the ‘Bank Account’ option. This will display a list of all the bank accounts linked to your Google Pay account.

By following these steps, you can easily remove any unwanted UPI IDs from your Google Pay account, ensuring a more streamlined and organized payment experience.

How to Delete PhonePe UPI ID?

Deleting a UPI ID in PhonePe is a simple process that can help you manage your payment methods more efficiently. Follow these steps to delete a UPI ID in PhonePe:

Open the PhonePe App: Launch the PhonePe app on your mobile device.
Go to Your Profile: Tap on your profile picture located at the top left corner of the home screen.
Select Bank Account: Under the ‘Payment Methods’ section, select the bank account associated with the UPI ID you want to delete.
Manage UPI ID: Tap on the ‘Manage UPI IDs’ option. This will display all the UPI IDs linked

How to Delete UPI ID In Paytm

Deleting a UPI ID in Paytm is a straightforward process that can help you manage your payment methods more efficiently. Follow these steps to delete a UPI ID in Paytm:

Open the Paytm App: Launch the Paytm app on your mobile device.
Go to Your Profile: Tap on your profile picture located at the top left corner of the home screen.
Select UPI & Payment Settings: Scroll down and select the 'UPI & Payment Settings' option.
Manage UPI IDs: Tap on 'UPI & Linked Bank Accounts.' This will display all the UPI IDs linked to your bank accounts.
Delete the UPI ID: Choose the bank account with the UPI ID you want to delete and tap 'Remove.' Confirm your choice by clicking the ‘Confirm’ button.

By following these steps, you can easily manage and delete any unwanted UPI IDs from your Paytm account, ensuring a more organized payment experience.

How to Delete UPI ID Permanently?

To stop using the UPI facility altogether, you can select to close your account with the UPI app. When you re-register, you will get a new UPI ID. Another alternative is disabling the UPI service on your bank account. You can contact your bank branch to do the same. You may have to file a request with the bank. After your request is processed, the UPI ID linked to your bank account will get deleted permanently. Some banks also allow you to submit UPI activation and deletion requests through Net Banking. You can check with your bank for the same to avoid the hassle.

What happens when you deactivate UPI ID?

When you block or deactivate your UPI ID, you lose your virtual payment address and cannot make and receive payments via UPI apps. Making payments via QR codes to peers and merchants is also not possible. However, you can still use other digital payment methods like Aadhaar Enabled Payment System (AePS), Mobile Wallets, Debit/Credit Cards, etc. You can also use Internet Banking facilities, including National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS) to transfer money seamlessly.

Additionally, banks allow you to block your UPI ID if you suspect unauthorised access to it. Blocking the UPI ID under such conditions can prevent fraudulent transactions. But deactivation is not the only way to avoid fraudulent activities. You can enhance the security of your UPI accounts by setting and frequently changing UPI PIN or choosing biometric unlocking.

Key Reasons to Block Your UPI ID

While UPI is fast, convenient and widely accepted, there are times when blocking your UPI ID becomes essential to ensure the security and efficiency of your financial dealings. Here are some compelling reasons why you might consider blocking your UPI ID:

Security Concerns
Imagine losing your phone or suspecting that your account has been compromised. In such scenarios, blocking your UPI ID can act as a safeguard, preventing unauthorized access to your financial information. It’s a proactive step to protect your hard-earned money from potential fraud.
<Switching Bank Accounts
When you decide to switch to a new bank account, it’s crucial to block the UPI ID linked to your old bank account. This ensures that all your transactions are routed through your new account, avoiding any confusion or errors. It’s a seamless way to manage your finances during the transition period.
Inactive Bank Accounts
Over time, you might know that certain bank accounts become inactive. Blocking the UPI ID linked to these accounts helps in decluttering your financial setup. It ensures that your active accounts are the ones being used for transactions, making your financial management more efficient.

Blocking your UPI ID might seem like a small step, but it can have a significant impact on the security and efficiency of your financial transactions.

Final Note

Now that you know how to deactivate UPI ID, you can easily deactivate the payment system whenever needed. It is worth noting that your UPI ID is different for different bank accounts, even if it uses the same registered number. Hence, when you choose to permanently delete it from your bank account, you can still use UPI with other bank accounts, if any. In such cases, if you want to stop using your UPI facility entirely, you should delete it from all your bank accounts. Alternatively, you can simply unlink all your bank accounts from the UPI apps you use.

FAQs - Deactivate/Delete UPI ID

Can we deactivate the UPI ID?

Yes, you can deactivate your UPI ID. The process involves unlinking your bank account from the UPI app or contacting your bank to deactivate the UPI ID.
How can I remove my number from UPI ID?

To remove your phone number from a UPI ID, you can change your Virtual Payment Address (VPA) to a custom ID that does not include your phone number. This can be done through the UPI settings in your payment app.
Can I delete my UPI ID in Google Pay?

Yes, you can delete your UPI ID in Google Pay. Simply go to your profile, navigate to ‘Bank Account,’ select the bank account associated with the UPI ID, and manage UPI IDs to delete the specific one.
How to deactivate UPI id if phone is lost?

If your phone is lost, you should immediately disable your UPI ID to prevent unauthorized transactions. You can do this by contacting your bank or using another device to access the UPI app and unlinking your bank account.
What happens if we delete our UPI ID?

Deleting your UPI ID will prevent you from making or receiving transaction using that ID. You will also lose access to the transaction history associated with that UPI ID. However, you can create a new UPI ID if needed.