How to Unlink your Bank Account from UPI?

By Anupama Deshpande | May 7, 2024

UPI is a real-time payment system in India that helps making instant money transfers very easily from one bank account to another and is mostly free of charge through a smart phone. UPI allows customers to link multiple bank accounts with single mobile application and manage finances in all the accounts simultaneously. Different UPI IDs are allotted by different bank accounts. Users can transfer money to one another using a unique UPI ID.

How to Unlink your Bank Account from UPI?

Process to Unlink your Bank Account from UPI

If you have linked multiple bank account with your UPI and wish to unlink any bank account from UPI or remove bank account from UPI or delete bank account from UPI then you need to perform following steps.

  • Step 1: Login to your UPI app from which you wish to unlink your bank account
  • Step 2: On the 'Home' pag, search for 'Profile' option
  • Step 3: Click on on the 'Profile' option
  • Step 4: Go to the 'Settings' tab of the UPI
  • Step 5: Choose the bank account which you wish you unlink from the UPI app
  • Step 6: Now you will find the 'Deregister' option
  • Step 7: Click on the 'Deregister' option
  • Step 8: Pop-up showing 'Deregistration Confirmation' message will appear
  • Step 9: Click on it to confirm deregistration from UPI App
  • Step 10: As soon as you confirm deregistration, your bank account will be unlinked from the UPI app

Remember that once you unlink or deactivate your UPI ID, you will lose your virtual payment address. Therefore, you will not be able to make and receive payments via UPI app anymore. Further, you cannot make payments via QR codes to the vendores/ merchants.

Important to note that if you unlink one bank account from your UPI app, you can use UPI with other bank accounts, if any. You can also make digital payments via other modes such as net banking, etc.

About UPI

Unified Payment Interface (UPI) offers you the facility to conduct instant money transfers between bank accounts round the clock 24x7, all 365 days. UPI eliminates the need of traditional methods of payments such as issuing cheques, cash payments or fund transfers through net banking. UPI works on a highly secure, layered architecture with multiple levels of encryption.

UPI Features

UPI stands forUnified Payment Interface
UPI launched byNational Payment Corporation of India (NPCI) on April 11, 2016
PurposeSimplify digital payments and promote financial inclusion
Benefits of UPIMake payments on a real-time basis by linking bank accounts to UPI
How to Create UPIYour mobile number registered with the bank account is needed to create a UPI ID
Linking of Multiple Bank AccountsYou can link multiple bank accounts to a single mobile app
UPI Transaction LimitRs.1 lakh per transaction for regular transactions

You can link multiple bank accounts to a single UPI app and carry out financial transactions seamlessly. You need not provide your account number and IFSC code to complete the linking process.

Transactions Carried Out using UPI

Transactions which can be carried out using UPI within seconds are,

  • Person-to-person Transfers
  • Shopping
  • Over the Counter Payments
  • Utility Bill payments
  • Fund Transfer
  • Payment to Vendors
  • Checking Account Balance
  • Check Transaction History
  • Manage multiple bank accounts
  • QR Code based payments via 'Scan and Pay' feature

UPI provides users with a detailed transaction history and real-time notifications, keeping them updated about their payment activities.

UPI Transaction Limits

Tabled below are the UPI transaction limits,

Transaction TypeLimit Per Transaction
Hospitals and Educational InstitutionsRs.5 lakhs
Initial Public Offering and Retail DirectRs.5 lakhs
Capital Markets, Collections, Insurance & Foreign Inward RemittancesRs.2 lakhs
Other Regular TransactionsRs.1 lakh

However, the maximum UPI daily transfer limit may vary among banks between Rs.25000 and Rs.1 lakh.

Share This :
About Anupama Deshpande
Anupama is a Co-Founder of She is an MBA (Finance) and Chartered Financial Analyst (CFA). She also carries a Fellowship degree in Life Insurance Sector and is a Master of Computer Application (MCA). She is an expert in Finance Field with an experience of over 18 years on different managerial positions in finance industry including Stock Market, Depository and Mutual Fund Sectors. Apart from that she has remained for few years in the field of marketing as well. Her suggestions and advice for investments have been very useful to many people.
Her vast interest & expertise in the field of finance have encouraged her to write the articles so that others can also get benefitted out of them. She never loses any opportunity to learn and be creative. She is a valuable asset for & important resource to all those around her.