How to Find Your UPI ID in Google Pay, PhonePe or Paytm

It looks like an email address without the dot com, something like yourname@bankhandle. That's the address people use to pay you from any UPI app.

Find your UPI ID in Google Pay

1. Open Google Pay.
2. Tap your photo at the top right.
3. Tap Bank account.
4. Tap the bank account whose UPI ID you want to see.
5. Select Manage UPI IDs.
6. Your UPI ID is listed under the bank account details at the top of the page.

Google's help page describes exactly this path. If you don't see Manage UPI IDs, update the app and try again.

Find it in PhonePe, Paytm or BHIM

In most UPI apps, your UPI ID is shown right on the profile screen, just under your name or QR code. Tap your profile picture and look for a line ending in @ followed by a short bank or app name. Some apps also show it when you open the screen to receive a payment, next to your QR code. If you can't spot it, search the app's settings for UPI ID.

Bank apps work the same way. Look in the UPI section of your bank's mobile app, where it's often called a VPA, which stands for virtual payment address. A VPA and a UPI ID are the same thing.

Why you might have more than one

This is the bit that confuses people. You can have several UPI IDs for the same bank account. Google's help page says you can create up to 4 UPI IDs on Google Pay for each bank account. Each one is created through a partner bank, which is why a person banking with SBI can have an ID ending in @okhdfcbank or @okaxis.

Google explains the reason. Extra UPI IDs give the app another route when one bank's UPI server is slow or down, so your payment is more likely to go through. All of them still pay into, and out of, the same bank account.

Ending you might see	What it means	Where the funds go
@oksbi	Created through SBI as a payment partner	Your linked bank account
@okhdfcbank	Created through HDFC Bank	Your linked bank account
@okaxis	Created through Axis Bank	Your linked bank account
@okicici	Created through ICICI Bank	Your linked bank account

The catch: IDs from other apps don't carry over

Google's page says you can't use a UPI ID created in another UPI app or through net banking on Google Pay. Each app makes its own. So the UPI ID in PhonePe will be different from the one in Google Pay, even though both point to the same bank account. Either is fine to share. Pick the one from the app you check most, so you see the payment alert straight away.

Which UPI ID should you share?

• Share one ID consistently, so people save it once.
• For a small business, print the QR code instead. Scanning avoids typos completely.
• If you'd rather not share an ID at all, a UPI number linked to your mobile number lets people pay your phone number.
• Never share your UPI PIN or OTP. Your UPI ID is safe to share; those two are not.

Copy and share it the safe way

Typing a UPI ID by hand is where mistakes creep in. A single wrong letter can send a payment to a stranger, or fail altogether. Most UPI apps have a copy button next to your ID on the profile screen, and a share option that sends your QR code as an image. Use those. If you're sending your ID to a client or a payout app, paste it, then read it back character by character before you save it.

For anyone who pays you often, I'd send the QR code once and ask them to save you as a contact in their app. After that they pick your name from a list and never type your ID again. It's the simplest way to cut wrong payments to zero.

UPI ID vs account number and IFSC

Before UPI, people paid you with your bank account number and the branch IFSC code. That still works through net banking, but it's longer and easier to get wrong. A UPI ID replaces both with one short address, and it shows your bank-verified name to the payer before they confirm. That name check is the reason I'd always rather share a UPI ID than an account number.

Find someone else's UPI ID

The easy way is to ask them, or scan their QR code. In Google Pay, if their phone number is linked to UPI, searching the number under Pay Anyone shows a result with their bank-verified name. Always check that name before you pay. It's the best protection against paying the wrong person.

If your UPI ID has disappeared

If you logged out of Google Pay, Google says your bank accounts become inactive until you log back in and reactivate them. Your extra UPI IDs come back with them. If you deleted an ID, Google says you can only restore it with the same phone number, device, bank account and Google Account. Change any of those and you'll get a new ID instead.

My advice

Find your ID once, copy it into your phone's notes, and share that same one with anyone who pays you regularly. If you're collecting payouts from earning apps, check the ID twice before you save it in the app, because a typo there sends your payout to someone else. My guides on safe Paytm cash-out apps and Swagbucks in India cover setting up payouts without mistakes.

Frequently asked questions

Where is my UPI ID in Google Pay?

Tap your photo, then Bank account, pick the account and select Manage UPI IDs. Your UPI ID shows at the top.

Why are there several UPI IDs on my account?

Apps create IDs through partner banks, and Google Pay allows up to 4 per bank account so payments can take another route if one server is down.

Is a VPA the same as a UPI ID?

Yes. VPA means virtual payment address, which is another name for your UPI ID.

Is it safe to share my UPI ID?

Yes, people need it to pay you. Never share your UPI PIN or OTP.