How to Fix PhonePe Unable to Fetch Bank Balance Problem?

PhonePe is one of the best UPI payment apps available. However, while using the app, you may encounter random issues, such as PhonePe’s inability to fetch your bank balance. As a result, you cannot check your account balance. However, you can always log in to Internet banking and check your balance. But apps like PhonePe are more convenient.

So the question is, how to fixPhonePe unable to fetch bank balance problem? Well, here are a few quick solutions that you can try out:

phonepe unable to fetch bank balance

How to Fix PhonePe Unable to Fetch Bank Balance Problem?

Bank Server Issues:

Before you start looking for a fix, you should know that PhonePe might be unable to fetch your bank balance details due to your server being down. If the problem lies with your bank server, then PhonePe won’t be able to fetch any details.

However, to confirm this, you can always log in to your phone’s internet banking or phone banking and see if you can access your account. Alternatively, you can also try using other UPI apps like Google Pay.

If you see the same error while using other apps, wait a while, and you should be able to use PhonePe to check your account balance.

Update PhonePe App:

If the other payment apps are working fine, the problem might be with the PhonePe app. The first option to fix this is to update the app. Sometimes, outdated apps cause glitches, and you may face random issues.

So go to the Play Store or App Store and check if an update is available for PhonePe. If yes, download the latest version and check if it fixes the issue.

Incorrect UPI Pin:

PhonePe also restricts you from accessing your account if you have entered an incorrect UPI PIN multiple times. So ensure you enter the correct UPI so PhonePe can verify your details and fetch account details.

However, if you have entered your UPI pin incorrectly too many times, you must reset it. To do so, follow these steps:

  • Launch the PhonePe app.
  • Tap on your Profile picture at the top-right.

go to profile and payments phonepe

  • Click on the Bank Accounts option there.

bank accounts phonepe

  • Tap on your primary bank account.

linked bank accounts - phonepe unable to fetch bank balance

  • Under UPI Pin, tap on the Reset button.

reset upi pin phonepe

  • Enter your Debit/ATM card details to reset your UPI PIN.
  • Once the PIN is reset, try again to check your account balance and see if it works.

Also Read: How to close Axis bank account without visiting branch?

Unlink and relink the bank account

You should also try unlinking and relinking your bank account. So it will be resolved if there is a glitch between your Bank and PhonePe. To do so, follow these steps:

  • First, launch the PhonePe app.
  • Tap on your profile picture > your bank account.
  • Scroll down and tap on Unlink Bank Account > Delete.

unlink bank account from phonepe

  • Once deleted, tap on Add Bank Account.
  • Select your Bank, and it will automatically search for your bank account.
  • Next, tap Proceed to add, and your bank account will be linked to PhonePe.
  • Finally, try fetching your bank details again and see if it works.


So those were a few ways to fix PhonePe unable to fetch bank balance details. The issue usually occurs because the bank server is down, so you must wait a while before taking any actions. However, If the above methods don’t work for you, you can always contact PhonePe for further information.

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