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How to Get Bank Details from a UPI ID: A Comprehensive Guide

Unified Payments Interface (UPI) has revolutionized the way we handle financial transactions, making it easier to send and receive money using just a UPI ID. A UPI ID, often referred to as a Virtual Payment Address (VPA), serves as a unique identifier for your bank account in the UPI ecosystem. However, there might be instances when you need to obtain bank details associated with a UPI ID, such as the account number and IFSC code, for various reasons. In this blog post, we will guide you through the steps to retrieve bank details from a UPI ID, ensuring you can manage your transactions effectively and securely.

Understanding UPI IDs

A UPI ID is typically in the format of [username]@[bankname] or [mobilenumber]@[upi]. For example, a UPI ID might look like john.doe@icici or 9876543210@upi. This identifier is linked to your bank account and allows you to perform transactions without revealing your actual bank account details.

Why You Might Need Bank Details from a UPI ID

There are several reasons why you might need to obtain bank details from a UPI ID:

  • To verify the recipient before making a high-value transaction.
  • To set up direct bank transfers outside of the UPI framework.
  • To resolve disputes or verify payment recipients.
  • For record-keeping and accounting purposes.

Steps to Get Bank Details from a UPI ID

Here are some methods to help you retrieve bank details from a UPI ID:

Method 1: Contacting the Recipient

  1. Direct Communication: The simplest and most straightforward method is to ask the recipient directly for their bank details. This is particularly useful if you know the recipient personally or through a trustworthy source.
  2. Verify Identity: Ensure you are communicating with the correct person by verifying their identity through known channels.

Method 2: Using UPI Payment Apps

  1. Send a Small Amount: Send a small amount to the UPI ID using your preferred UPI app. This will help you verify if the UPI ID is valid and active.
  2. Check Transaction Details: Once the transaction is complete, check the transaction details in your UPI app. Some apps display the recipient’s name and partial bank account information, which can help you confirm the identity.

Method 3: Contacting Bank Customer Support

  1. Bank Inquiry: If you have a valid reason to obtain the bank details, contact the customer support of the bank associated with the UPI ID. Provide them with the UPI ID and explain your reason for the inquiry.
  2. Provide Necessary Information: Be ready to provide necessary information, such as your account details and transaction history, to prove the legitimacy of your request.

Method 4: Utilizing UPI App Features

  1. Request Money: Some UPI apps allow you to request money from a UPI ID. When the recipient approves the request, you may receive partial bank details in the transaction confirmation.
  2. Transaction History: Review your transaction history within the UPI app to find any previous transactions with the UPI ID. This may include partial bank details and recipient names.

Important Considerations

  • Privacy and Security: Always prioritize privacy and security when dealing with bank details. Ensure that any information obtained is used responsibly and securely.
  • Data Protection: Do not share or misuse bank details obtained through these methods. Respect the privacy of individuals and comply with data protection regulations.
  • Legitimate Requests: Only attempt to obtain bank details from a UPI ID for legitimate reasons. Misuse of this information can lead to legal consequences.

Frequently Asked Questions

Q1: Can I get the full bank account details directly from a UPI ID?
A1: No, UPI IDs are designed to protect user privacy and do not provide full bank account details directly. You can obtain partial information through legitimate methods, but full details typically require direct communication with the account holder or bank.

Q2: Is it safe to share my UPI ID with others?
A2: Yes, sharing your UPI ID is generally safe as it does not reveal your actual bank account number or IFSC code. However, be cautious about sharing it with unknown entities.

Q3: What should I do if I suspect fraudulent activity involving my UPI ID?
A3: If you suspect fraudulent activity, immediately contact your bank’s customer support and report the issue. You can also block your UPI ID and change your UPI PIN for added security.


Obtaining bank details from a UPI ID can be necessary for various legitimate reasons, but it’s important to approach this process with caution and respect for privacy. By following the methods outlined in this guide, you can safely and effectively retrieve the information you need while ensuring that you comply with privacy regulations and maintain the security of financial data. Always prioritize direct communication with the recipient or bank customer support for the most accurate and secure results.

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