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How to Find your UPI ID on your phone?

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Created on
February 17, 2023


What’s Inside

Gone are the days where you have to stand in long queues for all the banking needs.
Just a few clicks, and you can send and receive money from anywhere at anytime. With UPI coming to life, payments are so easy to make. Almost every store in the country has now got an UPI scanner — just scan and pay!

UPI: Definition

UPI (Unified Payments Interface), developed by NPCI (National Payments Corporation of India), is a real-time payment system in India that enables money transfers between bank accounts with just a UPI ID. You don't need no IFSC code, account number or net banking credentials — just an internet-enabled smartphone and a mobile app.

UPI ID is a unique identifier for a bank account on the UPI platform, acting as a virtual payment address. Usually, it's a combination of a person's name and a unique identifier, such as a phone number, with the format "name@bank". 

For example, Neha Sharma's UPI ID with Axis Bank could be neha.sharma@axisbank, or a variation of the account holder's name or number with the same bank name as the suffix.

Popularity of UPI in India

UPI transactions in India reached 7,404.45 Cr Cr in 2022, disproving sceptics who thought it would take a long time for our nation to adopt UPI. It translates to 2,348 transactions per second, demonstrating UPI's popularity across all tiers of cities and towns.

What are the Reasons for the Popularity of UPI?

Evidently, our population has understood the benefits of having a UPI ID, the key ones being:

  • Instant money transfer: UPI enables fast and easy transfer of funds from one bank account to another using a mobile app.
  • 24/7 availability: UPI is available round the clock, making it possible to transfer money anytime.
  • Bank details security: UPI eliminates the need to share bank account information with anyone, providing added security.
  • Link multiple bank accounts: UPI allows linking multiple bank accounts, making it easy to transfer money without switching between accounts.
  • Secure transactions: UPI uses two-factor authentication to ensure secure transactions.
  • Convenient bill payments and mobile recharge: UPI allows easy payment of bills and mobile recharges, reducing the need for physical payment modes.
  • Track history: UPI provides a complete record of all transactions, making it easy to keep track of all your spends.

What are the most popular UPI Apps in India?

While several UPI apps exist today, here are the top apps based on the frequency of usage (transaction count) in 2022. 

  • PhonePe
  • Google Pay
  • PayTM
  • Amazon Pay
  • BHIM

How to Find Your UPI ID?

Here's how you can find your UPI ID on the Fi app:

  1. Tap your profile picture on the top-left of the Home screen. 
  2. Now that you're in 'My Profile', you can see your UPI ID. It may look like: <name>@fbl

Disclaimer: While Fi Money is a Financial Management app, that partners with a licensed banking partner Federal Bank to provide a digital savings account, it does double up as a UPI payments platform too.


UPI has revolutionized payments in India, allowing for easy and instant money transfers with just a few clicks. Its popularity is evident from the significant increase in transactions, reaching 7,404.45 Cr Cr in 2022. UPI offers numerous benefits, including round-the-clock availability, enhanced security, and the convenience of linking multiple bank accounts. Top UPI apps like PhonePe, Google Pay, PayTM, Amazon Pay, and BHIM have further contributed to its widespread usage. Finding your UPI ID is simple and can be done within the Fi Money app.

Level Up Your Finance Game with Fi

Fi Money offers a zero-balance savings account in partnership with the licensed bank Federal Bank — you can easily sign-up for free & open a savings account online. This account provides a VISA Platinum, zero forex debit card with no hidden fees and also, all UPI features. You can use Fi to safely stash your savings in deposits, earn additional interest, send and receive payments instantly, analyse expenses, and budget smarter. If you upgrade to other account plans within Fi — you get access to premium features like Jump, US Stocks, Mutual Funds, etc. and not to mention — up to 4x rewards!

Frequently Asked Questions

1. Is Google Pay a UPI app?

Yes. Google Pay, a popular digital payment app in India, has millions of active users and as per reports, recorded over 2,250 Cr transactions worth 3₹9.51 Lakh Cr Jan-Nov 2022. Incidentally, the minds behind Google Pay are also the founders of Fi Money, Sujith Narayanan & Sumit Gwalani.

2. How to find a UPI ID with a phone number?

Go to the Pay section of any UPI app/financial app like Fi & enter your beneficiary's phone number — it will show you the UPI IDs linked to the number.

3. Can you know the UPI ID of a user using a phone number?

Due to security, only the recipient's name will be visible when transferring money using their phone number linked to UPI ID for the first time. This confirms you're sending it to the correct person.


Fi Money is not a bank; it offers banking services through licensed partners and investment services through epiFi Wealth Pvt. Ltd. and its partners. This post is for information only and is not professional financial advice.
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