UPI Payment: In today’s digital time, everyone likes to make UPI payment. Since its introduction, the hassle of carrying cash has ended to a great extent. We do many small and big transactions every day, but have you ever wondered whether it is right to link UPI everywhere to the bank account in which you have all your earnings as well as savings? On this matter, experts have advised that having a separate bank account for UPI payments is a necessary and wise step.

Keep a separate account for UPI

The biggest advantage of keeping a separate account for UPI is security. Because when you link your main account to every app and QR code, the risk of getting scammed increases. If your UPI PIN gets leaked or you become a victim of a phishing scam, your entire bank balance can be emptied. Therefore, the only wise thing is to be safe. Whereas if you keep a secondary account and keep limited money in it, then the loss will also be limited.

Budget and bank statement will be clear

If you make every transaction from the main payment account, then the bank statement gets filled with many small transactions, due to which it becomes difficult to track the expenses and understand the statement at the time of tax filing. By keeping a separate UPI account, you can transfer a fixed amount at the beginning of the month. With this you will have a clear idea of ​​how much you spent and where.

Will be protected from technical problems

Many times payment fails due to bank server being down. If you have two different bank accounts, then you can take the help of the other account and make payment very easily and also you can use any small private bank or digital bank for this.

How to start?

• It is quite easy to open another account for UPI.
• You can open Zero Balance Account in any bank.
• At the same time, many banks also provide the facility of opening accounts at home through Video KYC.