How you can use UPI in other countries, Check step by step process

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India’s Unified Payments Interface (UPI) has emerged as a highly favored digital payment method within the country, valued for its speed, convenience, and security. This system facilitates seamless transactions, enabling users to make payments to anyone using a UPI ID or bank account number. Originally designed for domestic usage, UPI has grown in popularity and is now the preferred mode of payment across India. As a result, there has been a mounting demand for its availability abroad.

In response to this demand, the Government of India has taken steps to extend UPI payments to several international countries, such as France and UAE. This move aims to make transactions smoother and more accessible for Indian citizens residing in foreign nations. Additionally, UPI has been made accessible to Non-Resident Indians (NRIs), allowing them to initiate international transactions conveniently and securely. This expansion of UPI’s reach is expected to facilitate seamless cross-border payments and enhance the overall digital payment experience for Indians globally.

List of countries where UPI payments are currently available

  • France
  • Bhutan
  • Nepal
  • Oman
  • UAE
  • Malaysia
  • Thailand
  • Philippines
  • Vietnam
  • Singapore
  • Cambodia
  • Hong Kong
  • Taiwan
  • South Korea
  • Japan
  • United Kingdom
  • Europe

How to use UPI apps in other countries

  • Step 1: Download or open your UPI-enabled mobile app such as PhonePe, Google Pay, or Paytm which allows international UPI transactions in the country.
  • Step 2: Register your Indian bank account with the app.
  • Step 3: Once your bank account is linked, you will need to provide the recipient’s details, including their bank account number, IBAN, and BIC, together with the transfer amount and currency.
  • Step 4: Once the transaction is complete, you will receive a confirmation message.
  • Notably, your transactions will still be subject to certain fees like conversion charges, foreign exchange fees, and more. Also, the system is rolling out gradually in foreign countries, so the system may not be available in all the listed countries.

How NRI can use UPI app?

  • Step 1: Download a UPI-enabled mobile app such as PhonePe, Google Pay, or Paytm.
  • Step 2: Register your NRE or NRO account with the app.
  • Step 3: You will need to provide your Indian mobile number and bank account details.
  • Step 4: Once your account is linked, you can start using UPI to make payments to anyone in India who has a UPI ID.
  • Step 5: You can also use UPI to pay for goods and services at merchant outlets in India.
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