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Fino UPI PIN - Create & Reset

Fino UPI (Unified Payments Interface) facility provides an easy and quick way to access your Fino account on your mobile and perform transactions from it. But in order to perform any financial transaction you need to create Fino UPI PIN for your account. This is a secure PIN which helps you safely perform transactions from your Fino account.


Fino UPI PIN can be created online and you don’t have to visit the branch or ATM for generating it. To create UPI PIN all you need is a debit or ATM card which is linked to your bank account. You can download our mobile app and then quickly create your Fino Payments Bank UPI PIN and start performing transactions from your bank account.


After generating your Fino UPI PIN you can perform following types of transactions:
  1. Check account balance
  2. Instant fund transfer to anyone in India in real-time. Transfer upto Rs. 1,00,000 per day
  3. Credit card bill payment
  4. Electricity bill payment
  5. Gas bill payment
  6. Mobile recharge & mobile post-paid bill payment
  7. DTH recharge
  8. Mediclaim (Health Insurance) premium payment
  9. Buy insurance
  10. Donate money
  11. Book fixed deposit

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How to create and reset your Fino UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your Fino account
  3. Select Fino for BHIM registration
  4. All your accounts will be registered and activated for Fino BHIM services
  5. Select Generate UPI PIN option
  6. Enter your debit card last 6 digits and expiry date
  7. You will get OTP from Fino for creating your UPI PIN
  8. Enter UPI PIN you want to set
  9. Confirm UPI PIN again
  10. Your UPI PIN will be registered with Fino and you can now use it to perform financial transactions on your mobile

After this step your Fino Payments Bank UPI registration process is over. You can then immediately start performing all your banking transactions on mobile such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

UPI PIN Features


Create Fino UPI PIN online

UPI PIN can be created online using our mobile app. This is the biggest advantage of UPI wherein the secure banking PIN can be generated directly on your mobile without visiting the branch or ATM.

Separate UPI PIN for each Fino account

If you have more than one account with Fino Payments Bank then you have to generate a separate UPI PIN for each account. This ensures that your Fino BHIM PIN remain fully safe and secure and no one can transact on your behalf.

Mandatory for any financial transaction

The biggest safety feature of Fino Payments Bank UPI PIN is that it is required for each transaction. Meaning, for performing any financial transaction you have to authenticate yourself with the help of Fino BHIM PIN. Without entering your Fino UPI PIN no transaction can go through. This ensures your Fino account remain 100% safe and only you perform transactions from it.

Easily regenerate UPI PIN if you forget your old PIN

If you ever forget your Fino Payments Bank UPI PIN then you can easily create a new UPI PIN using our app. You don’t have to register a new PIN request with Fino. By using our mobile app you can directly create a new UPI PIN and start performing transactions again.

Easily change UPI PIN

If you ever want to change your Fino Payments Bank BHIM PIN for any reason, you can easily do so using our mobile app. Without going to the branch or ATM you can easily change your UPI PIN. After changing your Fino BHIM PIN you have to use your new PIN while performing transactions.

Benefits of UPI PIN

One can enjoy multiple benefits from Fino UPI PIN service:

Time saving: As Fino UPI PIN can be generated on your mobile using our app, you can save a lot of time which otherwise would have gone in visiting the branch or ATM to generate a banking PIN. After creating your own Fino BHIM PIN you can immediately start performing transactions using UPI.

Security: All UPI transactions are 100% secure due to linking of your account on your mobile number and your Fino UPI PIN. Transactions are processed as success only if you enter your correct UPI PIN. If you enter incorrect Fino BHIM PIN then your transactions will fail.

Multi Purpose: Fino Payments Bank UPI allows you to perform multiple transactions such as balance check, fund transfer, recharge, bill payment, etc. so that in one single place you can manage your Fino account.

UPI PIN security

Fino UPI PIN service is fully secured in the following ways:

  1. UPI registration for your Fino accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. For using Fino Payments Bank BHIM services, you have to create a new UPI PIN using your debit card
  3. For performing any type of transaction you have to then use Fino Payments Bank UPI PIN. No transaction will go through without this secure UPI PIN
  4. For additional security, you can also set up app password so that no one can even open the app without knowing your app password
  5. For enhanced safety, you can also create a PIN or pattern lock for your phone so that no one can open your mobile

Timing of UPI PIN Generation Service

  • As banking is extremely crucial in day to day life, Fino UPI services can be used on all days, including Saturday and Sunday
  • Main benefit of Fino BHIM is that you can use it at night as well
  • For your convenience, Fino UPI facility is available even on bank holidays and public holidays
  • Fino BHIM services are available throughout the year

Eligibility for using UPI PIN Creation Service

To use Fino UPI PIN creation service you have to meet the following requirements:

  • You should have a savings or current account with Fino
  • Your mobile number should be registered with Fino
  • You should have a atm/debit card associated with your Fino Payments Bank account
  • You should have Android or iPhone mobile phone
  • You should have an internet connection either via SIM card or WiFi

Limitations of UPI PIN Generate Service

Following are the restrictions in Fino generate UPI PIN service:

  • Your mobile number must be registered with Fino
  • It requires an active Fino atm/debit card
  • It requires Android or iPhone mobile phone
  • It will not work without internet connection
  • Transfer upto Rs. 1,00,000 per day per Fino Payments Bank account are allowed under UPI facility

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