If you want to use your debit card,
1. Tap your profile picture on the PhonePe app home screen.
2. Tap Bank Accounts and select the bank account for which you'd like to reset or change the UPI PIN.
3. Tap Reset/Set next to UPI PIN as shown below,
4. Enter your Debit/ATM card details for that account.
5. Enter the 6-digit OTP that you receive through SMS on your registered mobile number.
Note: If you have enabled SMS permissions, PhonePe will auto-fetch the OTP. You can enable PhonePe to auto-fetch your OTP in your Phone Settings >>Apps & Notifications >> PhonePe >> Permissions.
6. Enter the 4-digit ATM PIN for your Debit/ATM card.
7. Enter the new 4 or 6-digit UPI PIN.
8. Re-enter the UPI PIN to confirm.
9. Tap Confirm.
See also:
Why am I not receiving the OTP?
What if I don’t have a debit or ATM card?
What if I’ve forgotten my ATM PIN?