How to change UPI ID in PhonePe?

Unified Payments Interface (UPI) revolutionized digital payments in India when it was introduced on 11th April 2016 by Dr. Raghuram G Rajan, Governor, RBI at Mumbai. This system has gained immense popularity among consumers for its convenience and efficiency, setting it apart from other global payment methods.

I am using Phonepe from last 3 years. In this article, I will tell you how you can change UPI ID in Phonepe.

What is UPI ID?

The UPI ID, also known as Virtual Payments Address (VPA), is a unique identifier for each user. Instead of sharing bank details, users can share their UPI ID for transactions. To create a UPI ID, users need to download a UPI app like Google Pay, Paytm, PhonePe, Amazon Pay, or CRED, register, and link their bank account.

How to create a UPI ID?

To create a UPI ID, individuals must have a bank account linked to the UPI app. The UPI ID eliminates the need to share detailed bank information, streamlining the payment process. The format of a UPI ID typically includes the user’s mobile number or email address followed by the bank name.

Key Features of UPI:

  • Quick and secure fund transfers using UPI ID or scanning QR codes.
  • UPI IDs are created through popular apps like Google Pay, Paytm, PhonePe, etc.
  • Users only need a smartphone and a linked bank account for UPI transactions.
  • UPI IDs enhance security by reducing the need to share sensitive bank details.

PhonePe and UPI:

PhonePe, a leading third-party payment app in India, operates on the UPI platform. It allows users to make real-time payments for various transactions, from splitting a meal bill to booking travel tickets. The app supports utility bill payments, mobile and DTH recharges, and online shopping.

Read on to learn how to change UPI ID in Phonepe.

How to change UPI ID in PhonePe?

Changing your UPI ID on PhonePe is a straightforward process that can be done in eight simple steps:

  1. Open the PhonePe app and log in.
  2. Tap on the profile icon in the top left corner.
  3. Choose ‘MY BHIM UPI ID’ from the options.
  4. You can claim up to two new UPI IDs.
  5. Select ‘ADD NEW BHIM UPI ID.’
  6. Enter your desired UPI ID and check its availability.
  7. If available, proceed; otherwise, try a different ID.
  8. Your new PhonePe UPI ID is generated and can be set as the primary ID.

About BHIM:

When setting up the PhonePe app, users need to link their bank account and the Bharat Interface for Money (BHIM) app. BHIM, launched in December 2016, is an updated version of the UPI platform and facilitates fund transfers between bank accounts.


In conclusion, UPI has transformed the way payments are made in India, and apps like PhonePe make it even more accessible. The steps to change your UPI ID on PhonePe are user-friendly, ensuring a seamless experience for digital transactions.
After following the steps mentioned above, you will be able to change UPI ID on Phonepe.

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