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Beware! Making UPI payments? ‘This’ one mistake can empty the bank account

Samira Vishwas | January 4, 2026 5:24 AM CST

Financial transactions are also easy due to mobile and internet
Making UPI payments very easy
One mistake can empty a bank account

In today’s era, mobile and internet have also made financial transactions easier. Apps like Paytm, PhonePe and GooglePay are used for transactions ranging from as little as 5 rupees to thousands. UPI Payment is very easy. But users are not aware of the frauds caused by it. Users of Paytm, PhonePe and Google Pay should keep several things in mind. One mistake can empty a bank account. Every day thousands of people fall victim to scams through fake links, fake QR codes or phone calls. So, know several things that people should keep in mind to avoid fraud…

Never share your UPI PIN

Never share your UPI PIN with anyone. Banks and other government agencies do not ask for your UPI PIN. Also, remember that a PIN is not required to get paid. Scammers ask for your UPI PIN through calls or messages to trick you and sharing it is the biggest mistake you can make. Never share your UPI PIN with anyone.

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Do not click on unknown links

Do not click on any unknown links that offer refunds or rewards. Avoid clicking on links received through WhatsApp or SMS. These are phishing links and clicking on them gives scammers access to your device and your UPI app.

Check before scanning the QR code

Sometimes, in a hurry one scans the QR code without looking at it. When scanning the QR code at the store, make sure the amount and the recipient’s name match. Fake QR codes can send money to the wrong account.

Set transaction limits

You can set a daily transaction limit in the UPI app. You can set a lower daily limit by going into the app’s settings. This will prevent anyone from transferring large amounts of money if they get hold of your account or device.

Do not trust calls from unknown numbers

Calls claiming digital arrests, KYC updates or lottery wins are often fake. Scammers can use these tricks to ask for your OTP or PIN. So, beware of such calls.

Download UPI apps from official stores

Always download UPI apps from official stores. Android users Google Play Apps like Google Pay, PhonePe and BHIM are advised to download from Store and Apple users are advised to download them from Apple App Store.

Call this number if you are a victim of fraud

If you are a victim of fraud, you should call 1930 immediately. Or you can also report at cybercrime.gov.in.