Unified Payments Interface (UPI) has revolutionized the way we handle digital payments in India. With just a UPI ID, you can send or receive money instantly without needing to remember long account numbers or IFSC codes. However, there may be instances where you want to trace or verify the bank account linked to a UPI ID. In this article, we will explain how to find your account number using a UPI ID in a simple and easy-to-understand way.
What is a UPI ID?
A UPI ID is a unique identifier that links your bank account to the UPI platform. It acts as a virtual payment address (VPA), making transactions easier and faster. Typically, a UPI ID looks like this:
yourname@bankname
or
mobilenumber@upi
Each UPI ID is associated with a specific bank account, but it does not directly display the account number for security reasons.
Steps to Find Your Bank Account Number Using a UPI ID
While a UPI ID itself does not reveal the account number, there are a few methods to identify the bank account linked to it. Here’s how:
1. Using Your UPI App
The easiest way to find your bank account number is through the UPI app you use. Follow these steps:
Open the UPI app where the UPI ID is registered (e.g., Google Pay, PhonePe, Paytm, or your bank’s UPI app).
Navigate to the Profile or Settings section.
Select the Bank Account or Linked Accounts option.
Here, you will see the list of bank accounts linked to your UPI ID. Tap on the desired account to view more details.
Some apps may show only the last four digits of your account number for security, but you can identify the complete number using additional steps in the app.
2. Contact Your Bank
If you cannot find the details in the app, contact your bank for assistance. Here’s what to do:
Call or visit the customer care department of your bank.
Provide them with your UPI ID and any required verification details.
The bank will confirm and provide the account number linked to your UPI ID.
Ensure you have identification documents ready when contacting your bank for security verification.
3. Check Your SMS Notifications
When you register a UPI ID or complete a transaction, banks usually send SMS alerts. These messages often mention your account number or a part of it. You can search for messages from your bank to identify the account number.
4. Access Your Bank Passbook or Statement
Your bank passbook or account statement might also provide information about UPI transactions. Look for entries mentioning UPI payments or your UPI ID, as they will be associated with the account number.
Precautions While Using UPI
While UPI makes payments convenient, it is essential to follow these safety tips:
Do Not Share Your UPI PIN: The UPI PIN is like your ATM PIN. Keep it private.
Verify UPI IDs: Double-check the recipient’s UPI ID before sending money.
Monitor Account Activity: Regularly check your bank account for any unauthorized transactions.
Avoid Scams: Never click on unknown links or share OTPs with strangers claiming to be from your bank.
Conclusion
Finding your bank account number using a UPI ID is straightforward if you follow the methods outlined above. By using your UPI app, contacting your bank, or reviewing SMS notifications, you can quickly identify the account linked to your UPI ID. Always prioritize security and be cautious when sharing your UPI ID or bank details. With these steps, you can efficiently manage your finances and ensure a smooth UPI experience.
