UPI Safety Tips You Must Follow in 2025

Defend your Money against Scams, Fraud and Digital risks

UPI has fully transformed the digital payments of India. You can send money and receive it within a few seconds with a mobile number or QR code. Currently, over 12 billion UPI transactions occur each month, with popularity comes danger.

Cybercriminals are becoming cleverer and fraudulent activities through UPI are on a hike. You see, in pocketfinancetips.com we don t think digital convenience means digital insecurity.

These are then, 12 impossibly strong, usable, yet simple-to-practice UPI safety tips you need to start following in 2025 and remain safe.

🔐 1. Do not Share UPI PIN

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Your UPI PIN is similar to your ATM, it is classified and confidential thus no one is supposed to know it. Not with friends, even not with family unless one is absolutely trusted. Certainly not even with a person called via telephone and supposedly representing a bank or an app support.

Hint: UPI customer care would never request your PIN. Anybody who so does is a charlatan.

🚫 2. Do not Click on Unknown Payment Addresses

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SMS, WhatsApp or email messages with links, which are sent by fraudsters, have the following text in them:

You win 5000 Rs- Click to claim

Out teko: Pending refund -Check your account here

These are phishmails meant to capture your UPI information or to get spyware into your system.

Safe Practice: Never open any links because you are not one hundred percent sure of the sender. Only authoritative applications like BHIM, Google Pay, PhonePe or Paytm should always be used.

📵 3. Never scan QR Codes to get Money

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All you need to do is to share your UPI ID or mobile number to get the money and never a QR code. The scammers con victims into scanning QR codes with the promise of getting some money only to place a debit transaction instead.

Rule: You pay-to-scan, not receive-to-scan. Period.

🔍 4. Before transferring money, Double-Check the UPI Handle

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Most of these fraudsters adopt UPI IDs that look similar (such as sbi-care@okaxis or paytm-helpdesk@upi). Paying should be checked before payment is confirmed by the name always.

Pro tip: Majority of UPI apps now list out the full name of the receiver before doing a transaction. Stop and proofread it and then click on the Send button.

📲 5. Only Simple Original UPI Apps

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No copycat apps; they are done by unofficial parties. Apps Only download apps by:

Android/Google Play Store

App Apple (iOS)

Do not use third APKs or untrustworthy apps that have low points. Your safest bet will be verified apps such as BHIM, PhonePe, Paytm, GPay.

🔒 6. Biometric or password to Lock Your UPI App

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Your phone may be unlocked and if some person gets access to your phone, they can transact with your UPI. Beautify an app lock with the assistance of your finger print, PIN or face detection.

On such apps as Google Pay, access:

Go to settings > privacy > fingerprint lock ON.

🛑 7. Avoid Sharing Transaction Screenshots publicly

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UPI transaction screenshots may allow some of its scammers to misuse them as fake receipts or even impersonate you. Do not make screenshots of funds payments on social media or pub groups.

🚨 8. Warning Remote Access Applications (Anydesk / TeamViewer)

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In case someone makes you install applications such as Anydesk, TeamViewer, QuickSupport etc., then stop. Such applications make it possible to control your phone and read your messages, including OTP and UPI data.

Do not permit strangers even in the name of a reason to access screen-sharing.

🧠 9. Keep yourself Informed on Up to Date Scam Methods

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Subscribe to reputable financial blogs, such as the PocketFinanceTips, or the government awareness portals such as the Cyber Dost and the Twitter handle of the Reserve Bank of India. They always issue warnings on new forms of UPI frauds.

Examples of Scam in 2025:

Messaging of KYC Update Needed messages

False employment with registration refund money through UPI

Fake videos of star messages in advertisements of spoof links

📞 10. Know who to Report UPI Frauds

You suspect UPI fraud: report at once:

The Govt. Cyber Fraud Helpline 1930 (calls round the clock)

Grand complaint at https://cybercrime.gov.in

Immediately call your bank or the support of your UPI app

The time is essential the sooner you report the more likely you can freeze or recover assets.

🧾 11. It is setting enable UPI Transaction Alerts.

Ensure to get SMS and notification through apps each time you make a transaction. This assists you to know illegal transfers in real time.

In case you see a debit which you have not authorized report to your bank and block the UPI in the app or customer care of the bank.

🔐 12. Take advantage of Good mobile security

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Use a decent antivirus and do not use Wi-Fi in cafes and other places where strangers can access it when sending UPI transactions. Your data can be intercepted with the use of public connections.

Work on a locked up mobile environment:

Make sure your phone is in an updated state

Put as little apps as possible

Keeping off suspicious links in browser windows

In summary: UPI Safety Checklist

Action Safety Tip

The PIN of UPI Do not tell anyone

Only payments- never receiving QR Code

Suspicious Links Do not press on the links

Fake Apps Get them only on official stores

Biometric Lock Turn On UPI applications

Transaction Alerts SMS + notifications

Remote Access Apps Should never be installed on request of a stranger

Report Fraud 1930,1930 or cybercrime.gov.in

App Permissions Check on a regular basis

Consciousness Be aware of new scams

The Reason UPI Safety is a MUST in the year 2025

India is on the road to making a cashless economy, the epicenter of which is UPI. However, riding on this wave of convenience increases the dangers. You have to know and be aware.

Note: Scammers do not win with technology but through laxity.

With the help of the hints presented in this article, you won t be risking your money only, you will be securing your peace of mind as well.