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How can NRIs use UPI?

#nriupi, #digitaltransactions, #upiservices

As of January 2023, the National Payments Corporation of India (NPCI) announced that Non-Resident Indians (NRIs) from select countries can access UPI services using their international mobile numbers linked to NRE (Non-Resident External) or NRO (Non-Resident Ordinary) accounts. This initiative aims to facilitate seamless digital transactions for NRIs.

Eligible Countries:

NRIs from the following countries can utilize UPI with their international numbers:

  • Singapore

  • Australia

  • Canada

  • Hong Kong

  • Oman

  • Qatar

  • USA

  • Saudi Arabia

  • United Arab Emirates

  • United Kingdom

#upiglobal, #nriupi, #eligiblecountries, #digitalbanking

Steps to Use UPI with an International Number:

  1. Maintain an NRE or NRO Account: Ensure you have an NRE or NRO account with a bank in India that supports UPI transactions.
  2. Link Your International Mobile Number: Register your international mobile number with your NRE or NRO account.
  3. Choose a UPI App: Select a UPI-enabled application that supports international numbers, such as PhonePe. Most people have found success with ONLY PhonePe
  4. Register on the UPI App:
    • Download and install the chosen UPI app.
    • Initiate the registration process using your international mobile number.
    • Complete the verification process as prompted.
  5. Link Your Bank Account: Connect your NRE or NRO account to the UPI app.
  6. Set a UPI PIN: Establish a UPI PIN to secure your transactions.

Important Considerations:

  • Bank Support: Not all banks may support UPI for international numbers. It’s advisable to confirm with your bank regarding this facility.
  • App Compatibility: Ensure the UPI app you choose supports registration with international numbers.
  • Transaction Limits and Charges: Be aware of any transaction limits or charges that may apply to UPI transactions conducted through NRE or NRO accounts.

By following these steps, NRIs can leverage UPI services using their international mobile numbers, enhancing their ability to perform digital transactions seamlessly.

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