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Here are some hidden UPI tricks you should know—both for getting the most out of your UPI app and staying safe while using it:


✅ Useful UPI Tricks

1. Create a personalized UPI ID (instead of using your mobile number) — Some apps now let you pick a handle like yourname@bank so you don’t have to share your phone number when receiving payments.


2. Unlink your mobile number from receiving if you can — This prevents someone from sending money to your number when you don’t expect it.


3. Use multiple UPI IDs for different purposes — One for friends/family, one for business/clients. Helps keep things separate and clearer. (Reported by users)


4. Always check the receiver name and bank before you pay — Not just the UPI ID; make sure the name matches what you expect.


5. Enable alerts, review transactions often — UPI apps may help categorize expenses; regular review helps catch anything odd early.

⚠️ Hidden Risks & What To Watch

1. You don’t need to enter PIN when receiving money — If someone asks you to enter your UPI PIN when they’re supposedly sending you money, that’s a red flag.


2. Fake QR codes & “collect request” traps — Scanning an unknown QR or accepting a collect-request from a stranger can lead to money being debited.


3. Don’t download random apps or approve screen sharing — Some frauds ask you to install apps or share screen/OTP under the guise of help. Stay alert.

4. New rules are coming soon — From June 30, 2025, you’ll be able to see the actual identity of the payee before transfer. This helps reduce scams.