UPI payments outside of India

Making UPI payments outside of India depends on your specific situation:

For Indian citizens traveling abroad:

In countries with UPI support:

• Select countries: If you’re traveling to Singapore, Bhutan, Nepal, UAE, or Mauritius, you can use your existing UPI apps like PhonePe, Google Pay, Paytm, etc., in some merchants and for peer-to-peer transactions. However, not all merchants might accept it yet.
• Requirements: Ensure your app supports international transactions and you have activated it. You might need to update your app to the latest version.
• Process: The process is similar to making domestic UPI payments. Enter the recipient’s details (UPI ID or mobile number with linked bank account) and amount, authenticate with your PIN, and complete the transaction.

In countries without UPI support:

• Traditional methods: You’ll need to use alternative methods like international debit/credit cards, prepaid travel cards, or money transfer services.

For Non-Resident Indians (NRIs):

With an Indian mobile number:

• If you have an Indian mobile number linked to your bank account, you can set up and use UPI normally (if your bank and app support it).

With an international mobile number:

• Recently launched option: As of July 2023, NRIs with international mobile numbers linked to their NRE or NRO accounts can use UPI in 10 countries – Singapore, UAE, Australia, Canada, Hong Kong, Oman, Qatar, Saudi Arabia, United Kingdom, and United States.
• Requirements: Your bank needs to be part of this initiative. Check with your bank for eligibility and activation process.
• Process: Similar to using UPI with an Indian number, you’ll need a UPI app supporting international transactions.

Important notes:

• Always check with your bank and app about their specific offerings and eligibility criteria for international UPI usage.
• Currency conversion fees might apply depending on your bank and app.
• Be cautious about sharing your UPI PIN and other sensitive information.

UPI Payment Outside of India FAQ

General:

• Can I use UPI payments outside of India?
  • Yes, but only in limited countries: Singapore, Bhutan, Nepal, UAE, Mauritius, and for NRIs in 10 other countries (as of February 2024). Not all merchants within these countries support UPI yet.
• Do I need a special app or account?
  • No, but your usual UPI app needs to support international transactions (check with your app provider).
  • NRIs: If you have an international mobile number, ensure your bank participates in the NRI UPI initiative and enable it accordingly.
  • What are the fees involved?
    • Fees may apply for currency conversion and transactions, depending on your bank and app. Check with them for specific details.
  • Eligibility:
  • Who can use UPI payments outside of India?
    • Indian citizens: Anyone with a supported UPI app and bank account can use it in the 5 mentioned countries.
    • NRIs: Only those with an Indian bank account (NRE or NRO) linked to an international mobile number in the 10 listed countries can participate in the NRI UPI program.
    • What banks support international UPI payments?
      • Check with your bank directly for confirmation. Not all banks participate in this service yet.
    • Using UPI abroad:
    • How do I make a UPI payment outside of India?
      • The process is similar to domestic payments. Enter recipient details (UPI ID or mobile number with linked bank account), amount, and authenticate with your PIN.
      • Ensure the merchant accepts UPI payments and has the relevant QR code displayed.
      • Are there any limitations on amounts or frequency?
        • Yes, limits may vary depending on your bank, app, and the specific country. Check with your provider for details.
      • What happens if I encounter issues?
        • Contact your bank or app provider’s customer support for assistance.
      • Additional tips:
      • Always be cautious about sharing your UPI PIN and other sensitive information.
      • Keep your UPI app updated to the latest version for optimal functionality.
      • Consider alternative payment methods if UPI is not accepted where you need it.
      • I hope this comprehensive FAQ helps! Feel free to ask if you have any further questions.

I hope this clarifies your options. If you have any further questions or need more specific details, feel free to ask!