How to Link Multiple Bank Accounts to One UPI App

Introduction

Unified Payments Interface (UPI) has transformed how India transacts digitally. If you’re wondering how to link multiple bank accounts to one UPI app, you’re not alone. This capability is incredibly useful for those managing personal and business finances separately or simply juggling multiple bank accounts for savings, expenses, or income.

In this guide, we’ll show you step-by-step how to safely and easily add more than one bank account to your favorite UPI apps like Google Pay, PhonePe, Paytm, and BHIM, all in one place.

Why Link Multiple Bank Accounts to One UPI App?

Having multiple accounts linked to one app offers several advantages:

Simplified money transfers
Track spending across accounts
Choose preferred account per transaction
Receive payments in specific accounts
Avoid keeping multiple apps on your phone

Is It Safe to Link Multiple Bank Accounts?

Yes, UPI is developed by NPCI (National Payments Corporation of India) and follows strict RBI security protocols. Major UPI apps use multi-layered encryption, app-specific PINs, device binding, and biometric options to prevent unauthorized access.

Pro Tip: Always use apps with verified badges like Google Pay, PhonePe, BHIM, and Paytm, and keep your app updated.

Step-by-Step Guide: Linking Multiple Bank Accounts to a UPI App

Supported UPI Apps

Most popular UPI apps in India support linking multiple bank accounts:

Let’s take Google Pay as an example. The process is similar in other apps as well.

Step 1: Install & Set Up the UPI App

Download the app from Google Play Store or Apple App Store
Verify your mobile number linked to your bank account
Set up UPI PIN for the first account

Step 2: Add Additional Bank Accounts

Open the app
Tap your profile icon or settings
Select Bank accounts
Tap Add Bank Account
Choose the second bank from the list
Verify via SMS
Set or confirm UPI PIN

Repeat the same steps to add more accounts.

Step 3: Set a Primary Bank Account

In most apps, you can select your default account (for sending/receiving money).

Example (in Google Pay):

Settings → Bank Account → Tap the account → Set as Default

Note: You can change this anytime depending on the transaction.

Managing Transactions Between Accounts

Once you’ve linked accounts, here’s how you can manage them easily:

Switch Accounts for Payment

While sending money:

Tap the account selector
Choose the bank account you wish to debit from

While receiving money:

Share UPI ID or QR code linked to your preferred account

Things to Keep in Mind

All accounts must be linked to the same mobile number
UPI PINs are different for each bank account
Check SMS permissions and mobile network availability while linking
You can’t link the same account to two UPI IDs in the same app
Frequently Asked Questions (FAQs)
1. Can I link two accounts from the same bank?
Yes, as long as they have the same registered mobile number.
2. Do I need separate UPI PINs for each account?
Yes. Each bank account has its own UPI PIN for security reasons.
3. Will I receive money in all linked accounts?
No. Only the default account will receive payments through your UPI ID.
4. Can I remove a linked bank account?
Yes. Go to the UPI app’s bank account section and remove the one you no longer want.
Conclusion
Linking multiple bank accounts to one UPI app is not only possible—it’s smart. With just one app, you can manage personal and business accounts, optimize payments, and keep track of every rupee.
Make sure your app is secure, and always double-check the bank account selected before making a transaction. Stay updated, stay safe — and enjoy the power of UPI!
Also Read:
Useful External Resources
- NPCI Official UPI Page
- RBI UPI Guidelines
- Google Pay Help Center

How to Link Multiple Bank Accounts to One UPI App – Complete Guide

Introduction

Why Link Multiple Bank Accounts to One UPI App?

Is It Safe to Link Multiple Bank Accounts?