Just like paper-based currency, an aware citizen must follow some basic rules and procedures to protect themselves from scams. Here are some common scams and guidelines to protect yourself from them:

1. Beware of phishing: always download legitimate UPI applications from the bank's official website, and be cautious before you download it from Play/App store.
1. 2. Keep strong passwords for your phone as well as for your UPI application.
2. 3. Do not share MPIN with anybody (not even with the bank), and be suspicious of unknown callers claiming to be from your bank.
3. 4. Use biometric authentication if possible.
4. 5. Update your mobile OS and applications as often as possible to be secure from vulnerabilities.
5. 6. It is advisable for users to enable encryption, remote wipe abilities and anti-virus software on the phone.
6. 7. Keep your SIM card locked with a pin to avoid misuse. In case of loss or theft of your mobile device, contact your SIM provider to block the subscription of the SIM card.
7. 8. Avoid connecting phones to unsecured wireless networks that do not need passwords to access.