NRIs with international number from select countries allowed to make UPI payments, check full list here (2024)

In the official circular, NPCI states that non-resident account types like NRE/NRO accounts having international mobile numbers shall be allowed to get on-boarded or transact using UPI.

NRIs with international number from select countries allowed to make UPI payments, check full list here (1)

New Delhi,UPDATED: Jan 12, 2023 13:22 IST

The National Payments Corporation of India (NPCI) has announced that Non-Resident Indians (NRIs) holding bank accounts in India, but using international mobile numbers, can now make UPI payments. In a circular, NPCI, which oversees UPI payments and developments, stated that account holders with international mobile numbers from ten countries would be able to transact. These include Singapore, Australia, Canada, Hong Kong, Oman, Qatar, the United States, Saudi Arabia, the United Arab Emirates, and the United Kingdom. The government body has asked UPI participants, such as Paytm, Google Pay, and more to put in place a mechanism by April 30.

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In the official circular, NPCI states, "Non-Resident account types like NRE/NRO accounts having international mobile numbers shall be allowed to get on-boarded/transact in UPI." The body says that NRIs will be allowed provided they do not violate "FEMA regulations" and member banks follow the guidelines of the Reserve Bank of India (RBI).

UPI payments for NRIs will extend to more countries in the "near future", NPCI adds.

NRIs with international number from select countries allowed to make UPI payments, check full list here (2)

The new development will benefit many NRIs who visit India but prefer using their international number in the country. PTI quoting Sarvatra Technologies Founder MD Mandar Agashe, notes that NRIs couldn't access the UPI network since SIM binding, which is an important security feature of UPI, was available only to Indian SIM card phones.

Since its launch nearly six years ago, UPI or Unified Payments Interface has benefited many Indians in facilitating quick digital payments. Users can create a UPI account using partner platforms such as Paytm, Google Pay, PhonePe, and more. A user can easily transfer money to another user's bank account with just a few clicks. On the other hand, sending money digitally through traditional methods such as RTGS or NEFT can be cumbersome and complicated, as the process of adding accounts can be complex. Partner banks create a unique UPI ID and users with that ID can receive or send money seamlessly.

To create a UPI ID, say on Google Pay, users need to provide bank account details and a ten-digit mobile number. UPI IDs in payment applications such as Paytm usually begin with the user's phone number@UPI, that is, XXXXXXXXXX@paytm. NCPI says that as of December 2022, it has 382 partner banks. Last month, payments through the UPI system touched a record high of Rs 12.82 lakh crore. The Department of Financial Services (DFS), in a tweet, said that 782 crore transactions in volume terms were done in December 2022.

NRIs with international number from select countries allowed to make UPI payments, check full list here (2024)

FAQs

NRIs with international number from select countries allowed to make UPI payments, check full list here? ›

Can NRIs use UPI for transactions in India using their overseas mobile number? Yes, NRIs can use UPI from their registered overseas mobile number from the approved geographies, i.e. Australia, Canada, Hong Kong, Oman, Qatar, Saudi Arabia, Singapore, UAE, UK, and USA for INR transactions in India.

Can UPI work with an international number? ›

Q2 Can I use an international phone number with UPI? Yes. If you're an NRI in the UK, USA, Saudi Arabia, UAE, Canada, Oman, Qatar, Australia, Singapore, or Hong Kong, you can use your global mobile number for UPI payments. Just make sure it's linked to an NRE/NRO account in India.

Which 10 countries have UPI for NRI? ›

ICICI Bank uses the worldwide framework built by the National Payments Corporation of India (NPCI) to provide simple access to UPI services in ten countries, including the United States, United Kingdom, UAE, Canada, Singapore, Australia, Hong Kong, Oman, Qatar, and Saudi Arabia.

How many countries is UPI allowed in? ›

NPCI International Payments Limited (NIPL) and Lyra announced UPI adoption in France. India's UPI has gained global traction with initiatives in Bhutan, UAE, Malaysia, Singapore, and others. UPI collaborations extend to regions like Europe, Japan, and the US, fostering cross-border transactions.

Can NRIs use Gpay in India? ›

As a Non-Resident Indian (NRI), you can use your international mobile number to make UPI payments instantly in India, thereby significantly enhancing your convenience of making everyday payments.

Does UPI work in the USA? ›

UPI enables ICICI Bank Account Holders to send and receive money from their smartphones with a single identifier i.e. Virtual Payment Address (VPA), using their registered Indian or overseas mobile number from select geographies, i.e. Australia, Canada, Hong Kong, Oman, Qatar, Saudi Arabia, Singapore, UAE, UK and USA.

Does UPI accept international transactions? ›

Step 1: Open the UPI app and go to the home screen. Step 2: Click on your profile picture. Step 3: Under the Payment Settings section, select UPI International. Step 4: Click the Activate button next to the bank account you wish to use for international UPI payments.

Can I use PhonePe in the USA? ›

Can PhonePe be used internationally? Yes! When activated for international use, you can use PhonePe to make QR code payments from your Indian bank account to select merchants abroad. Here's a guide to using PhonePe to make international payments when traveling abroad.

Is UPI available globally? ›

International mobile numbers of ICICI Bank's non-resident Indian clients can be used to make UPI payments in India. In ten nations—the United States, United Kingdom, United Arab Emirates, Canada, Singapore, Australia, Hong Kong, Oman, Qatar, and Saudi Arabia—the bank provides this service.

Which UPI app supports international numbers? ›

Which UPI app is used for international transactions? Wise is an UPI app that can be used for international transactions which allows users to create an account and sign up for free.

Can I use UPI with nro account? ›

Yes, NRIs can use UPI from their registered overseas mobile number from the approved geographies, i.e. Australia, Canada, France, Hong Kong, Malaysia, Oman, Qatar, Saudi Arabia, Singapore, UAE, UK and USA for INR transactions in India.

Will UPI work outside India? ›

Unified Payment Interface, commonly known as UPI, services are now available in multiple countries other than India. These include Sri Lanka, Mauritius, Bhutan, Oman, Nepal, France and UAE.

Can you do UPI from abroad? ›

Unified Payment Interface, commonly known as UPI, services are now available in multiple countries other than India. These include Sri Lanka, Mauritius, Bhutan, Oman, Nepal, France and UAE.

Can I use UPI without sim? ›

Once affixed, a dedicated app becomes accessible on your feature phone, allowing you to seamlessly engage in UPI payments without the necessity of acquiring a new SIM card. What UPI functionalities can i use from the feature phone? UPI Functionalities on Feature Phone application: Scan and Pay.

How to use UPI with UAE number? ›

NRIs must first check whether their non-resident account with their bank back home supports UPI transactions. Then using their UAE mobile number linked with their NRO or NRE account, they can download a UPI-enabled app of their choice from Apple's App Store or Google Play.

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