Why Verification Matters When you switch to a new phone, most banks and payment apps treat it as a new device. From July 2026 onwards, UPI apps such as BHIM, Google Pay, PhonePe, and Paytm will require you to verify the SIM linked to your bank account before you can use them. This security step prevents unauthorised access and keeps your money safe.
Step‑by‑Step Setup on Your New Phone 1. **Insert the registered SIM** – Make sure the SIM card that is tied to your bank account is inserted in the new device so it can receive SMS‑based OTPs. 2. **Verify each app** – Open each UPI app, enter the OTP received on the SIM, and complete the device‑verification process. Enable biometric login (fingerprint or face) if the phone supports it. 3. **Check account links** – After activation, confirm that all your linked bank accounts appear and that a small test transaction (₹10–₹20) succeeds. 4. **Review notifications** – Enable transaction alerts, login notifications, and account‑update messages to stay informed of any suspicious activity.
Safeguarding Your Old Device Do not wipe your old phone immediately. Keep it for a few days to retrieve any pending OTPs or to recover access if a new‑device verification fails. When you are confident that all apps work on the new phone: - Sign out of every banking and payment app. - Delete stored passwords and clear app data. - Perform a factory reset to erase all personal information before disposing of or gifting the device.
Following these steps ensures a smooth transition, protects your financial data, and keeps your UPI payments uninterrupted.