What is VPA

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What is VPA?

VPA is referred to as  Virtual Payment Address. It is a unique identifier that helps in tracking UPI to a person’s account. VPA also acts as an ID independent of an applicant’s bank account number, details. To make and request payments, VPA can be used through the UPI-enabled app. There is no need to fill in the bank account details in the loop for making multiple payments.

Look at the typical VPA such as abc@bankname. For example: ‘123456789@ybl’ and  ‘anjeliene25@upi’ can be examples of a typical VPA. On the other hand, one can check the availability of a VPA according to their preference and create it.

What is VPA

Creating a VPA according to your Choice

Applicants can create a VPA according to their choice by following the below-mentioned steps.

Step 1: Firstly, An applicant should open the UPI app.

Step 2: You have to click on the ‘Profile’ tab on the home screen.

Step 3: Next, If an applicant has already set a VPA, it shows the primary VPA. In that case, click on the arrow on the right side.

Step 4: To create a VPA according to your choice just click on the ‘+’ mark.

Step 5: An option will be provided to choose the VPA’s first part, which appears before the ‘@’ symbol.

Step 6: At last, you should Click on ‘Submit’ and confirm the VPA. Now you are done with this!

Benefits and Uses of VPA

  • The first benefit of VPA is that money can be sent and received on weekends and bank holidays.
  • Secondly, you can transfer the funds from anywhere and anytime on a 24*7 basis.
  • There is no need to provide a bank account number and IFSC code for sending money. VPA is the only requirement.
  • It is easy to use and economical.
  • VPA is user-friendly and also saves time through speedy transactions.

How can one get a VPA?

To get a VPA, an applicant should follow the below mentioned process:

  • An applicant must Download the UPI app for linking the bank account with their registered mobile number.
  • Now just do the verification process carefully; after that, another verification round comes.
  • After the final authentication is done, you have to create a VPA for the account you provided.
  • Likewise, email address, you will be provided with your choice VPA if it is available otherwise, you have to try a different address.
  • After getting a unique VPA, you will get instant approval.

For more details, one can contact or visit the website of Dialabank.


If one doesn’t use their VPA, will it get expired?

No, It will not get expired even if it is not in use for a given period of time. One can use it without any difficulty.

What is VPA?

VPA is basically a Virtual Payment Address that acts as an identifier so that all transactions can be made via the UPI system, only possible through a mobile app.

Can we link multiple bank account with one VPA?

Yes, It is possible to link multiple bank account with one VPA. You can easily link the same VPA to different banks accounts.