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How to Change Your UPI PIN, Check Transaction Limits and Manage Linked Bank Accounts

Change a known UPI PIN or reset a forgotten one, understand why UPI limits vary, and find the Google Pay steps for removing a linked bank account.
From TheFinanceBase Team4 min to read
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You can change a known UPI PIN or reset a forgotten one in your UPI app’s settings for the relevant bank account. Limits are different: they can depend on the app, bank, payment type and account, and there is no universal setting that lets every user raise them. To change which account is linked, use the app’s bank-account controls; the exact steps vary by app.

Change a UPI PIN you know

  1. Open your UPI app and go to the settings or payment-method area for the bank account you use for UPI. Confirm that you have selected the right account.
  2. Choose Change UPI PIN, if the app offers that option.
  3. Enter your current PIN and follow the app’s verification prompts to set and confirm a new one.

Menu labels and verification steps vary by app, bank, account and app version. NPCI’s 2026 BHIM guidelines show separate actions for changing a known PIN and resetting a forgotten one. See the NPCI BHIM-UPI guidelines.

Reset a forgotten UPI PIN

  1. In the UPI app, open the settings for the bank account whose PIN you need to reset.
  2. Select Reset UPI PIN or Forgot PIN.
  3. Complete the verification requested on screen. NPCI’s 2026 BHIM guide illustrates entering debit-card details, verifying an OTP, then entering and confirming a new PIN.

Requirements differ by bank and app. BHIM says to have the debit card linked to the selected account available; use the instructions shown in your own app rather than assuming every reset flow is identical. BHIM’s FAQ explains its account-specific debit-card requirement.

Keep your UPI PIN secret. NPCI defines it as a 4-to-6-digit passcode used to authorize bank transactions. Enter it only in the trusted app’s payment authorization flow. Do not disclose it to a caller or use it to accept incoming money; NPCI says bank customer support will never ask you to reveal it. Read NPCI’s UPI FAQ.

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Check what UPI transaction limits apply

There is no single limit-setting screen or universally adjustable cap established for all UPI users. A payment may be constrained by the network’s rules, the app’s controls, the issuing bank’s limits, the payment category, or transaction-count and daily-total rules. A bank or app may impose a lower limit than a broader network ceiling.

NPCI’s FAQ states a normal UPI ceiling of up to ₹1 lakh per transaction and identifies exceptions for certain categories. That figure is not a guarantee that a particular payment will go through: current category rules, bank restrictions and app controls can affect the amount available to you. Check the current terms for your payment type and account rather than treating the ceiling as a user-adjustable limit. NPCI’s UPI FAQ.

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Google Pay example: person-to-person payments

Google Pay Help, as accessed in 2026, says standard person-to-person payments can be subject to a total of up to ₹1 lakh from one bank account in the last 24 hours, along with transaction-count limits. Newly added or reinstalled accounts may have lower initial limits, and the bank’s daily limit can be lower. These are Google Pay-specific help statements, not a promise for every UPI app or account. Check Google Pay’s standard UPI transaction limits for its current rules.

Limits can differ by app and payment category

For another example of app-level variation, BHIM’s FAQ states a daily sending limit of ₹40,000 and says bill-payment limits differ; it also cautions that a bank’s limit may vary. Google Pay documents higher limits for certain verified merchant categories, while warning that the issuing bank may set a lower daily limit. These figures and category rules are specific to the cited app guidance; confirm the current rules for your own app, bank and payment type. Google Pay publishes an issuing-bank limit list, while BHIM’s FAQ describes BHIM’s limits.

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Can you raise your limit?

Do not assume that a limit can be increased in an app setting. Check the app’s current limit information, then ask the issuing bank whether it can change an account-level restriction. Even if one limit is raised or a category has a higher ceiling, a separate app, bank, amount, daily-total or transaction-count control may still apply.

Add, select or remove a linked bank account

Use your UPI app’s bank-account settings to add or manage accounts. In Google Pay, the documented removal path is:

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  1. Tap your profile picture.
  2. Choose Bank account.
  3. Select the account you want to remove.
  4. Tap More, then Remove account.

Google Pay says updating an account requires removing it and adding it again. Follow the app’s prompts when adding it back. These steps are for Google Pay; other apps use different menus. Google Pay Help: add or remove a bank account.

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If your bank account does not appear

  • Check that the mobile number verified in the UPI app matches the number registered with your bank.
  • Confirm that your bank is supported by the app.
  • For Google Pay, make sure the phone can send outgoing SMS messages. On a dual-SIM phone, check that the SIM with the bank-registered number is selected for verification.

These are Google Pay’s stated setup checks; another app may have different requirements. See Google Pay’s bank-account setup help and NPCI’s UPI FAQ.

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If a PIN attempt fails

Stop and check that you selected the right bank account and entered the PIN for that account. Repeated incorrect attempts can temporarily prevent payments, but the behavior depends on the app and bank. BHIM says repeated wrong-PIN attempts can trigger a 24-hour wait before transactions are allowed again; NPCI also notes that banks may temporarily block sending money after wrong attempts. Do not assume BHIM’s stated waiting period applies to every app or bank. Consult your app or bank’s guidance before trying again. BHIM’s FAQ and NPCI’s FAQ.

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