How to Delete PhonePe Account Permanently?
If you are looking for a way to delete your Phonepe account permanently, this article might be able to help you in many ways. In this article, we will discuss everything you need to know to delete your Phonepe account permanently.
In India, there are more than 40+ banks like Axis Bank, State Bank Of India, HDFC Bank, ICICI Bank, and many others that are present life on UPI Platforms. The best part about this app is that with it you will no longer have to go out to pay your bills, recharge your phone, or you can even go shopping cashless. PhonePe will provide you with full-on facilities for instant UPI payments which will be debited from your linked bank account.
But first, just in case if you don’t know what PhonePe is, let us start with the basics.
What is PhonePe?
Launched in 2015, PhonePe is a Flipkart-owned Unified Payments Interface (UPI) app that has changed the face of online payment modes in India. The app was launched by Sameer Nigam, Rahul Chari, and Burzin Engineer. This digital payment system allows you to send and receive money directly from your bank account which is linked to the app.
PhonePe is India’s top UPI application. It enables you to do recharges, pay bills of all kinds, shop, book tickets, without having to go anywhere. All of these can be done just with a few taps on our smartphones. Not only does this useful app saves our time and makes everything simple, but it also gives us rewards in the form of coupons and cashback after every transaction.
On PhonePe, all you have to do is create a UPI ID and link it with a bank account from which all the transactions will be made. Once you have a UPI-based bank account, all information and account details will be safely retrieved, automatically from the registered mobile number. All of this is done over a secured network, so you do not have to worry about the safety and privacy of your bank account.
The usefulness of this app is unmatched. Therefore, we never recommend deleting such amazing apps from your phone. However, owing to a lot of reasons you might have to delete your Phonepe account. Read the article further to know how to delete your phone account.
Best Ways To Delete a PhonePe Account Permanently?
There are multiple reasons which might cause you to delete your Phonepe account completely. Some of the reasons can be if you have more than one account, or if you have changed your UPI account-based phone number. Some people also choose to delete their accounts because of not receive proper offers and cashback from customer services.
You will see no direct option to delete your PhonePe account permanently. However, you can delete your account by directly contacting the support system of the company. You will find the option to delete your account permanently on the Android and iOS applications of Phonepe. Another way to delete your account is to go to the official site of Phonepe.
steps for deleting your PhonePe account permanently through Mobile Application?
The steps to delete your Phonepe account permanently are:
- Open the PhonePe application on your Android or iOS phone.
- Click on the “?” Question mark on the top section after opening the application.
- Scroll down and go to the Help section.
- Now, choose the option “My Account and KYC”.
- Select the option, “ My PhonePe Account Details”.
- Next, choose, “Delete my PhonePe Account”.
- Select the reason why you want to delete your account. You will be given a list of options to choose from, such as, “I want to create/I have another PhonePe account”, “Not happy with the services”, etc.
- Net you have to click on “Contact support”.
- Select the language in which you want the customer service to communicate with you.
- Answer all the problems you faced while using PhonePe.
- You will be contacted by the support team via phone within the next 24 hours, who will tend to your issues. Within the next 2-3 working days, your account deletion will be confirmed.
There is another way to delete your PhonePe Account permanently, which is through the website.
How To Deactivate/Delete PhonePe Account Permanently Through The Official Website?
Take a look at the steps you need to follow to delete your PhonePe account from the website.
- Open the official website of PhonePe.
- Log in with your credentials.
- Scroll down and select the option of “Contact Us”.
- Choose the mode of communication with the support team.
- There will be two options, Phone Call and Email. Select your preferable option from there, and the support team will reach you out with that platform.
- After you have selected your choice, the support team will reach out within the next 2 to 3 business days.
These were the amazingly simple steps to delete your PhonePe account.
How To Transfer PhonePe Wallet To Bank?
If you have money in your PhonePe wallet, you need to use that up or transfer it to your bank account before deleting the PhonePe account. PhonePe Wallet is a special feature of this application. It is like your personal cashless wallet, linked to your PhonePe Account. However, the problem is, you might not be able to transfer your PhonePe Wallet money back into your bank account. But, here are some ways by which you can transfer the money back to your bank account.
A lot of users need to transfer their PhonePe wallet money into their bank account. When you get Phonepe cashback, the money is rewarded to your Phonepe wallet, which you might want to transfer, while many, need to send the added money back to their accounts.
There are two ways by which you can transfer your Wallet money back into your Bank account. Those are – Gold Trick and Deactivating PhonePe account.
Transfer PhonePe Wallet to Bank via Gold
This is one of the best ways to transfer your Wallet account into your bank. Though, with this process, you will not be able to transfer the money instantly. The completion of this process will take 24 hours at the least. You can use the Phonepe wallet money to buy gold at a certain time. You will be able to sell the gold after 24 hours. In this process, a 7% transaction amount will be charged to you. So, suppose you buy digital gold at ₹100 from PhonePe Wallet, you will receive up to ₹92 or ₹93 in your bank account after you sell the gold.
What are the steps to transfer wallet money to a Bank account?
- Open your PhonePe app on Android or iOS.
- Tap on “My Money”.
- Click “Gold” under “Wealth Management”.
- You will get two gold drivers – ” SafeGold” and “MMTC-PAMP”.
- Enter the amount of gold you are willing to purchase. On the “Amount” field, enter your entire PhonePe Wallet Balance.
- The app will recognize the quantity of gold you entered.
- Click on “Proceed to Payment”.
- Be very cautious and click on “Wallet and Gift Vouchers” Do not click on “Bank account”.
- Click the “Sell” button to proceed with the payment. Soon the amount will be credited to your bank account.
- You will receive the amount almost instantly in your bank account which is linked with the UPI Account.
Take note that you will be allowed to sell the gold only after 24 hours after buying the gold. So, this was the first way by which you can transfer PhonePe wallet money to your bank account. The next way is to Deactivate your PhonePe Wallet.
Transfer PhonePe Wallet money by Deactivating the account
Upon deactivating your PhonePe wallet, you will receive the full money instantly on your UPI-linked bank account. However, note that you won’t be able to get your Wallet back anymore. So, think before deactivating.
The steps to deactivate your PhonePe account are:
- Open your PhonePe account
- From the “My Money” page, go to PhonePe Wallet.
- Tap the “Close Wallet” Button.
- Click on “confirm and close wallet”.
- Click on the “Deactivate Wallet” Button.
Your PhonePe wallet will be deactivated and you will receive the Wallet money in your Bank account instantly.
Tips To Remember Before Deleting Your PhonePe Account Permanently
Here are some very important tips you should remember before deleting your PhonePe account.
- Use your Total Wallet Balance – Make sure you have no balance or gift vouchers left before deleting your account. Use it up either by selling gold or can deactivate your Wallet.
- Unlink or Remove your UPI-linked Bank account – To remove your bank account, all you have to do is go to “My Money” >> select “Bank Account” from the “Payment Method” section. Once you see the bank account or accounts on the screen, just tap to select. Tap on the Recycle Bin button. You will get a confirmation of deletion notification, confirm it and your bank account will be unlinked.
- Unlink or Remove Credit Card and Debit Card from PhonePe – To remove your credit or debit card, all you have to do is go to “My Money” >> choose “Credit Cards” or “Debit Cards”, whichever you want to remove from the “Payment Method” section. You will get a confirmation of deletion notification, confirm it and your credit card/debit card will be unlinked. Note that you will have to unlink your credit and debit cards separately.
Conclusion
PhonePe is one of the most useful apps for UPI and bank transfers. This safe, secure, and easy process has made our daily lives extremely simple. You can even connect one PhonePe account with several bank accounts and choose the transaction as per your choice. However, in case of any difficulty, if you have to delete your PhonePe account, we hope this comprehensive guide of how to delete your PhonePe account permanently will help you. Once you delete your PhonePe account, all your transaction history will be deleted as well. After deleting your account permanently you will not be able to recover it in any way. So, be very sure of your action.
