PhonePe is one of India’s most popular digital payment platforms, widely used for money transfers, bill payments, recharges, Loans, Free Credit Score Check, Insurance and more. However, there might be reasons why you want to deactivate or close your PhonePe account permanently—whether it’s due to switching to another app, privacy concerns, or inactivity. This guide will walk you through the process of deactivating your PhonePe account step-by-step and provide important information related to account closure. 

Can You Deactivate Your PhonePe Account? 

Currently, PhonePe does not provide a direct option to temporarily deactivate your account. You can either continue using it, log out if you want to stop temporarily, or request permanent account closure through the app’s help section. 

How to Deactivate PhonePe Account: Step-by-Step Process 

Follow these steps carefully to request permanent closure of your PhonePe account from the app: 

Step 1: Open the PhonePe app on your mobile device. 

Step 2: Log in by entering your phone screen lock pattern, PIN, password, or using fingerprint authentication. 

Step 3: Tap the question mark icon ( ? ) located at the top-right corner of the screen. 

Step 4: Scroll down to the "Help Topic" section and click on "View All" on the right side. 

Step 5: From the list of topics shown (such as Payment issues, Loan, Report a Fraud, etc.), select "Profile Setting". 

Step 6: Tap on "My PhonePe Profile". 

Step 7: Under "My PhonePe Profile", select "My PhonePe Account Details". 

Step 8: You will see options like changing or updating details, deactivating your PhonePe account, and blocking/unblocking your account. Select Deactivating PhonePe Account. 

Step 9: On the next screen, you will see two questions: 

  • Can I deactivate my PhonePe account temporarily? 

  • Can I close my account permanently? 

Step 10: 

  • If you want to deactivate your account temporarily, select the first question. The answer will say that temporary deactivation is currently not available, and you can simply log out if you wish to stop using the app temporarily.  

Step 11: 

  • If you want to close your account permanently, select the second question. You will then see options for the reason why you want to close your account, such as: 

    • I want to change my PhonePe mobile number 

    • I am surrendering my SIM card 

    • I have another PhonePe account 

    • I am not happy with PhonePe 

Step 12: Choose the reason that applies to you. 

Step 13: Read the guidelines carefully about what will happen after deactivation. 

Step 14: Tap the Deactivate PhonePe Account button to confirm and proceed with account closure. 

Important Steps to Take Before Deactivating Your PhonePe Account 

If you wish to deactivate your existing PhonePe account, you need to raise a formal request with PhonePe customer support. However, before initiating the deactivation process, it’s crucial to complete a few important tasks to ensure a smooth and hassle-free closure of your account. These steps help prevent any loss of funds or disruption in ongoing services linked to your account. 

1. Remove or Cancel All Active AutoPay Mandates 

PhonePe allows you to set up AutoPay for recurring payments like utility bills, subscriptions, EMI payments, and more. Before deactivating your account, make sure to review and cancel all active AutoPay authorizations linked to your PhonePe account. This prevents automatic deductions from your linked bank account or wallet after account closure. 

2. Utilize or Withdraw Your PhonePe Wallet Balance 

If you have a balance remaining in your PhonePe Wallet, it’s important to either use it for payments or withdraw the amount back to your bank account. Leaving money unused may lead to loss since the wallet will no longer be accessible once your account is deactivated. 

  • For Full-KYC Users: You can directly withdraw the wallet balance to your bank. 

  • For Min-KYC Users: If you hold a min-KYC account, you must first close your PhonePe Wallet to transfer the withdrawable balance to your bank. Note that to close your wallet, you must maintain a minimum balance of ₹1 in it before initiating the closure request. 

3. Settle Your Gold Purchases on PhonePe 

PhonePe also offers a gold purchase feature allowing users to buy, hold, or sell digital gold. If you have purchased gold via PhonePe: 

  • Either sell the gold and transfer the proceeds to your bank account, or 

  • Opt for physical delivery of the gold to your registered address. 

Make sure all gold holdings are settled, as you won’t be able to access or manage these assets once your account is deactivated. 

4. Close Your UPI Lite Facility 

UPI Lite is a feature that enables small-value transactions instantly without multiple authentication steps. If you have activated UPI Lite on your PhonePe account, ensure that you close or deactivate the UPI Lite facility before proceeding. This step prevents any transaction issues after your account is closed. 

5. Fully Use Your PhonePe Gift Card Balance 

If you have any active balance in your PhonePe Gift Cards, it’s important to completely utilize the gift card balance before deactivating your account. Once the account is closed, remaining gift card balances will become inaccessible. 

Final Words 

Deactivating your PhonePe account is a straightforward process when you follow the steps carefully. Always ensure you take necessary precautions like clearing wallet balance and unlinking bank accounts before closing your account to avoid complications. 

If you only want a break from using PhonePe, logging out or uninstalling the app is the safest way to pause your activity without losing your account. 

FAQs on How to Deactivate PhonePe Account

1. Can I temporarily deactivate my PhonePe account? 

No, PhonePe currently does not offer a temporary deactivation option. If you want to stop using the app temporarily, you can simply log out or uninstall the app from your device. 

2. How can I permanently deactivate or close my PhonePe account? 

You can request permanent account deactivation via the PhonePe app by navigating to Help > Profile Setting > My PhonePe Account Details > Deactivate PhonePe Account. You will need to select a reason and follow the instructions to confirm your request. 

3. What should I do before deactivating my PhonePe account? 
Before deactivation, make sure to: 

  • Cancel any active AutoPay mandates 

  • Use or withdraw your PhonePe Wallet balance 

  • Sell or deliver any gold purchased through PhonePe 

  • Close your UPI Lite facility if active 

  • Use any remaining balance on PhonePe Gift Cards 

4. Will I lose my transaction history after deactivating my PhonePe account? 

Yes, after permanent account closure, you will no longer have access to your transaction history through the app. 

5. Can I withdraw my PhonePe Wallet balance if I have a min-KYC account? 

Yes, but you must first close your PhonePe Wallet by maintaining a minimum balance of ₹1. After wallet closure, the withdrawable balance can be transferred to your bank account. 

 

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source before taking any choices or actions