A UPI ID — technically a VPA, or Virtual Payment Address — is the simple address people use to send you money over UPI, without ever seeing your account number or IFSC. It looks like yourname@bank, for example priya@okhdfcbank or 9876543210@ybl.
Why a UPI ID exists
It is a privacy and convenience layer. The VPA maps to your real bank account behind the scenes, so you can receive money by sharing just the ID — no account number, no IFSC needed.
How to create a UPI ID
- 1. Install a UPI app (Google Pay, PhonePe, Paytm, BHIM or your bank’s app).
- 2. Register with the mobile number linked to your bank account.
- 3. Select your bank; the app verifies the account automatically.
- 4. Set your UPI PIN using your debit card details.
- 5. Your UPI ID is created automatically — you can usually customise the part before the @.
How to find your existing UPI ID
Open your UPI app and look under Profile or My QR / Payment details. Your VPA is shown there, and your QR code contains it too.
Can I have more than one?
Yes. You can create multiple VPAs (for example one per bank account) and even different IDs in different apps that point to the same account.
Keeping it safe
- Sharing your UPI ID to receive money is safe — it reveals no account details.
- Never enter your UPI PIN to receive money. A PIN is only ever needed to send. Anyone asking you to “enter PIN to receive” is trying to scam you.
Frequently asked questions
What is the difference between a UPI ID and a VPA?
They are the same thing. VPA (Virtual Payment Address) is the technical name; UPI ID is the everyday term. It looks like name@bank.
Do I need an account number to receive money on UPI?
No. Sharing your UPI ID or QR code is enough; it maps to your account internally, so no account number or IFSC is exposed.
Is it safe to share my UPI ID?
Yes, for receiving money. Never share your UPI PIN, and remember a PIN is only needed to send money, never to receive it.
Can I have multiple UPI IDs?
Yes, you can create several VPAs across apps and bank accounts.
Limits, charges and procedures are set by the RBI, NPCI and individual banks and can change. Always confirm current details in your own bank’s app before a transfer. Last updated June 2026.